The Most Expensive Vehicles to Insure in 2026

The most expensive cars to insure include the BMW M5 ($652/mo), Audi S8 ($589/mo), and Audi RS 7 ($589/mo).

Explore the full list below, or enter your ZIP code to start comparing car insurance rates from companies like GEICO, State Farm, Allstate, and more in minutes.

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Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.

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  • 5+ years in the Insurance Industry
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Meredith Gulledge

Data Insights Editor

Meredith started at The Zebra in 2020 as an insurance analyst and has worn many hats since. With over five years of experience in the insurance indus…

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Kristine Lee

Insurance Data Insights Analyst

Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…

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  • 6+ years of Experience in the Insurance Industry

What are the most expensive cars to insure?

The most expensive car to insure in 2026 is the BMW M5, which costs an average of $652 per month, 260% more than the national average for auto insurance. This is closely followed by the Audi S8 ($589/month) and Audi RS 7 ($589/month).

The Most Expensive Cars to Insure in 2026
RankVehicleAverage Monthly Premium% of MSRP
1 BMW M5 $652 6.54%
2 Audi S8 $589 5.87%
3 Audi RS 7 $589 5.49%
4 Mercedes-Benz S-Class $548 5.58%
5 Mercedes-Benz SL-Class $530 5.63%
6 BMW X6 M $519 4.90%
7 Mercedes-Benz AMG GT $506 5.97%
8 Lucid Air $503 8.64%
9 Porsche Panamera $483 5.70%
10 Mercedes-Benz G-Class $469 3.93%

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

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Why are some vehicles more expensive to insure than others?

Some vehicles are more expensive to insure because they’re more costly to repair or replace and more likely to lead to expensive claims. High-end cars—like luxury EVs or performance models—combine pricey parts, advanced tech, and higher performance, which drives up both repair costs and overall risk. Even some non-luxury cars can be expensive to insure if they’re frequently stolen, have costly-to-repair features, or are involved in more claims than average.

The Most Expensive Vehicles to Insure in 2026

1. BMW M5

The BMW M5 is a high-performance luxury sedan with the highest insurance costs on our list, averaging about $652 per month or $7,819 per year. With an MSRP of roughly $119,500, the M5 blends luxury and track-level performance — two factors that typically drive insurance costs higher. Among insurers we reviewed, Progressive offered the lowest rate at about $365 per month, while premiums can exceed $11,700 annually depending on driver profile and coverage choices.

Graphic of a BMW M5 luxury performance sedan with insurance details showing an average annual premium of $7,819 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

2. Audi S8

The Audi S8 is a full-size luxury performance sedan that costs about $589 per month or $7,069 per year to insure on average. With an MSRP around $120,500, its powerful engine and advanced technology contribute to higher premiums than standard luxury sedans. Nationwide had the lowest average rate at about $299 per month, though prices can climb significantly depending on coverage and driver risk factors.

Graphic of an Audi S8 luxury sedan with insurance details showing an average annual premium of $7,069 with Nationwide as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

3. Audi RS 7

The Audi RS 7 is a high-performance luxury sportback with an average insurance cost of $589 per month or $7,065 per year. With an MSRP of about $128,600, the RS 7’s powerful engine and premium components make it expensive to repair or replace after a claim. Progressive offered the lowest average rate at roughly $358 per month, while some policies can exceed $11,000 annually.

Graphic of an Audi RS 7 luxury sportback with insurance details showing an average annual premium of $7,065 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

4. Mercedes-Benz S-Class

The Mercedes-Benz S-Class is one of the most well-known luxury sedans on the road and costs about $548 per month or $6,574 per year to insure. With an MSRP near $117,750, the S-Class combines advanced technology, safety features and high repair costs — all factors insurers consider when calculating premiums. Progressive had the lowest rate at about $309 per month, though premiums can rise considerably for higher-risk drivers.

Graphic of a Mercedes-Benz S-Class luxury sedan with insurance details showing an average annual premium of $6,574 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

5. Mercedes-Benz SL-Class

The Mercedes-Benz SL-Class is a luxury roadster that averages $530 per month or $6,364 per year for auto insurance. With an MSRP around $113,100, the SL’s performance capabilities and premium parts contribute to above-average insurance costs. Progressive offered the lowest rate at about $241 per month, while some policies may exceed $8,800 annually depending on coverage levels.

Graphic of a Mercedes-Benz SL-Class luxury convertible with insurance details showing an average annual premium of $6,364 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

6. BMW X6 M

The BMW X6 M is a high-performance luxury SUV with an average insurance cost of $519 per month or $6,233 per year. Its MSRP of about $127,200, combined with its powerful engine and expensive components, pushes premiums higher than many other SUVs. Progressive offered the lowest rate at around $243 per month, though premiums can reach nearly $10,900 annually for some drivers.

Graphic of a BMW X6 M luxury performance SUV with insurance details showing an average annual premium of $6,233 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

7. Mercedes-Benz AMG GT

The Mercedes-Benz AMG GT is a luxury sports car with an average insurance cost of $506 per month or $6,073 per year. With an MSRP of about $101,750, its high-performance design and costly repairs can lead to expensive premiums. Progressive provided the lowest rate at roughly $131 per month, though some drivers may see annual costs exceed $14,000 depending on coverage and risk factors.

Graphic of a Mercedes-Benz AMG GT sports car with insurance details showing an average annual premium of $6,073 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

8. Lucid Air

The Lucid Air is a luxury electric sedan with an average insurance premium of $503 per month or $6,040 per year. Despite a lower MSRP of about $69,900 compared to many vehicles on this list, advanced electric technology and specialized repairs can drive up insurance costs. Nationwide offered the lowest rate at about $229 per month, though some policies can reach nearly $15,000 annually.

Graphic of a Lucid Air electric luxury sedan with insurance details showing an average annual premium of $6,040 with Nationwide as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

9. Porsche Panamera

The Porsche Panamera is a luxury performance sedan that averages $483 per month or $5,791 per year for insurance coverage. With an MSRP of about $101,550, the Panamera’s high-performance components and luxury features increase repair costs, which insurers factor into pricing. Progressive offered the lowest rate at about $249 per month, while premiums may approach $9,800 annually for some drivers.

Graphic of a Porsche Panamera luxury performance sedan with insurance details showing an average annual premium of $5,791 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

10. Mercedes-Benz G-Class

The Mercedes-Benz G-Class is a luxury SUV with an average insurance cost of $469 per month or $5,623 per year. With an MSRP around $143,000, it’s one of the most expensive vehicles to purchase on this list, though its insurance costs are slightly lower than many high-performance cars. Progressive offered the lowest rate at about $192 per month, though premiums can climb above $8,500 annually depending on driver profile and coverage.

Graphic of a Mercedes-Benz G-Class luxury SUV with insurance details showing an average annual premium of $5,623 with Progressive as the least expensive insurer and Farmers as the most expensive insurer, with The Zebra logo.

No matter what you drive, don’t overpay for insurance—compare and save today!

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The most expensive vehicles to insure in previous years

The 10 Most Expensive Vehicles to Insure in 2021

The 10 Most Expensive Vehicles to Insure in 2021
RankVehicleAverage 6-Month Premium
1 Maserati Quattroporte $2,512
2 Audi R8 $2,284
3 BMW i8 $2,186
4 Mercedes-AMG GT $2,065
5 Nissan GT-R $2,032
6 Maserati Ghibli $2,009
7 Mercedes-Benz S-Class $1,871
8 Porsche 911 $1,867
9 Tesla Model S $1,810
10 BMW 7-Series $1,761

1. Maserati Quattroporte

The Maserati Quattroporte is a luxury sedan that typically costs over $2,500 per six-month policy period to insure, making this car the most expensive vehicle to purchase auto insurance for in 2021. In terms of price, the Quattroporte is the fifth most expensive car on our list with an MSRP of $102,190. In our survey of the cheapest insurance companies for this particular make and model, Auto-Owners had the most affordable rate at $895 for six months' coverage. Other fairly-priced insurers include Infinity ($1,058) and Nationwide ($1,115).

Graphic of a Maserati Quattroporte luxury sedan with insurance details showing an average annual premium of $1,555 with The Zebra logo.

2. Audi R8

Costing an average of $2,284 per six-month insurance policy (or $381 a month), the Audi R8 is the second priciest car to insure and has an MSRP of over $142,000. To find the best deal on car insurance for this luxury sports car, consider Alliance, which costs $176 per month or $1,054 for a six-month policy. Nationwide ($1,330) and Erie ($1,538) could also be good options for Audi R8 insurance. It's worth noting that 32% of The Zebra's visitors buying R8 insurance opt for high liability limits of 100/300/50 and add comprehensive and collision coverage with better towing, rental car benefits, and higher med pay/PIP benefits to protect their luxury vehicle.

Graphic of an Audi R8 sports car with insurance details showing an average annual premium of $4,584 with The Zebra logo.

3. BMW i8

The second most expensive vehicle to buy on our list, the BMW i8 comes with the third most expensive auto insurance costs. The i8 is a sports car and a hybrid vehicle, and both of these factors make insurance pricey compared to sedans or SUVs. It costs an average of $364 per month to insure, but Nationwide could be the cheapest insurer at $203 per month or $1,219 per six-month policy. Other affordable companies include Farmers ($1,489) and Erie ($1,542).

The majority (29%) of The Zebra's customers buying i8 insurance upgrade 100/300/50 liability limits and add comprehensive and collision coverage. Additionally, they enhance their policy by adding better towing services, rental car benefits, and higher medical payment/personal injury protection benefits to provide comprehensive protection for their luxury vehicles.

Graphic of a BMW i8 hybrid sports car with insurance details showing an average annual premium of $4,372 with The Zebra logo.

4. Mercedes-AMG GT

The Mercedes-AMG GT is a luxury sports car and runs about $2,065 to insure every six months. At $1,007 per six-month policy, Nationwide could be the most budget-friendly car insurance company and potentially offer over $1,000 in savings. Farmers ($1,264) and Country Financial ($1,353) could also offer similar savings for this make and model.

The majority of The Zebra's customers who purchase insurance for their Mercedes-AMG GT opt for moderately high liability limits of 40/100/50, comprehensive and collision insurance, and towing and rental car benefits.

Graphic of a Mercedes-AMG GT sports car with insurance details showing an average annual premium of $4,130 with The Zebra logo.

5. Nissan GT-R

Insurance costs are midrange for a vehicle that costs nearly $114,000 — the Nissan GT-R. With an average monthly cost of $334 per month or $2,032 per six-months' coverage, this high-performance sports car costs over $2,500 in extra premium yearly compared to the average rate in the U.S. The cheapest insurance providers for the Nissan GT-R were State Farm ($661), Nationwide ($1,083) and Erie ($1,318).

Around 33% The Zebra's customers who purchase Nissan GT-R insurance choose the "better" option which includes moderately high liability limits of 40/100/50 as well as comprehensive and collision insurance with towing and rental car benefits.

Graphic of a Nissan GT-R sports car with insurance details showing an average annual premium of $4,054 with The Zebra logo.

6. Maserati Ghibli

The Maserati Ghibli costs $2,009 every six months to insure and has the second-lowest MSRP in our list at $72,190 — still over well the cost of an average vehicle. We found that Auto-Owners has the best-priced coverage at $895 per six-month policy, while Nationwide and Erie are slightly more expensive at $974 and $1,039, respectively.

Graphic of a Nissan GT-R sports car with insurance details showing an average annual premium of $4,018 with The Zebra logo.

7. Mercedes-Benz S-Class

With an average six-month rate of $1,871 (or $312 per month), the Mercedes S-Class is expensive to own — among all of the vehicles on our list, it commands the highest list price at over $173,000. To land the best deal on Mercedes S-Class auto insurance, consider starting your search with Auto-Owners. This company had the lowest rate at $910 per six-month policy. Other providers worth looking into are Nationwide ($1,014) and State Farm ($1,280).

Surprisingly, around 31% of our customers choose the minimum coverage legally required by the state. We recommend at least adding comprehensive and collision coverage and considering increased med pay/PIP benefits as well as GAP insurance depending upon your circumstances.

Graphic of a Mercedes-Benz S-Class luxury sedan with insurance details showing an average annual premium of $3,742 with The Zebra logo.

8. Porsche 911

The Porsche 911 is a high-performance sports car that costs nearly $100,000 to buy and runs an average of $1,867 for a six-month policy ($311 per month) to insure. Nationwide could furnish the most savings at $748 or $124 a month, while Auto-Owners ($859) and Travelers ($1,067) are the second and third cheapest insurers, respectively, for the Porsche 911.

40% of our customers insuring their Porsche 911s wisely choose high liability limits of 100/300/50 in addition to comprehensive and collision coverage, higher medical payment/personal injury protection benefits, and better towing and rental car benefits.

Graphic of a Porsche 911 sports car with insurance details showing an average annual premium of $3,734 with The Zebra logo.

9. Tesla Model S

The all-electric Tesla Model S has the lowest-priced MSRP in our list and the ninth most expensive average insurance premium at $1,810 every six months. Nationwide, American Family and Erie proved to be the most wallet-friendly companies for the Model S; rates from these insurers range from $818-986 per six-month policy.

Roughly 41% of our customers driving a Model S choose high liability limits of 100/300/50 and include comprehensive and collision coverage. They also add better towing, rental car benefits, and higher medical payment/personal injury protection for their luxury vehicle.

Graphic of a Tesla Model S electric luxury sedan with insurance details showing an average annual premium of $3,620 with The Zebra logo.

10. BMW 7-Series

The BMW 7-Series is a luxury sedan that costs $1,761 per six-month policy to insure, making it the tenth most expensive vehicle in terms of auto insurance expenses. American Family could potentially provide the most savings at $891 for six months or $149 per month. Nationwide doesn't cost all that much more ($946) while Mercury is more expensive ($1,256) but still lower than the overall average insurance cost of the 7-Series.

When buying insurance from The Zebra, around 30% of 7-Series drivers opt for minimum liability coverage plus comprehensive and collision insurance. Typically, The Zebra recommends increased liability limits and higher med pay/PIP benefits to luxury drivers to insure they are properly covered.

Graphic of a BMW 7-Series luxury sedan with insurance details showing an average annual premium of $3,522 with The Zebra logo.

The most expensive vehicles to insure in 2020

1. BMW i8

The BMW i8 is the country's most expensive vehicle to insure. As a high-performance vehicle, the manufacturer suggested retail price (MSRP) is $147,500, and its average annual insurance costs amount to $4,303. If you're seeking the cheapest car insurance rate for your BMW i8, start with Grange, which offers average insurance premiums of only $1,269 per year for the i8. According to our data, the priciest company with which to insure the i8 is Infinity.

 

2. Maserati Quattroporte

The Maserati Quattroporte is one of the most expensive cars to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $99,490, in addition to an average annual insurance cost of $4,062. If you're looking for cheap auto insurance for your Maserati Quattroporte, consider Grange, offering average insurance costs of just $1,143 per year. According to The Zebra's data, the priciest company for Quattroporte insurance is Hanover.

 

3. Nissan GT-R

Budget-minded insurance shoppers beware: the Nissan GT-R is America's third-most expensive vehicle to insure. Due to the model's high-end specs, the manufacturer suggested retail price (MSRP) is $113,540, in addition to an average yearly insurance rate of $3,864. If you're seeking the cheapest auto insurance rate for your Nissan GT-R, consider Grange, which offers average annual insurance costs of only $1,262. According to The Zebra's data, the priciest company for GT-R insurance is Infinity.

 

4. Maserati GranTurismo

The Maserati GranTurismo is the nation's fourth-most expensive vehicle to insure. Due to the model's performance-oriented specs, its manufacturer-suggested retail price (MSRP) is $150,380, in addition to an average annual insurance rate of $3,735. If you're looking to get the cheapest insurance rate for the Maserati GranTurismo, start with IMT, which offers average car insurance rates of only $471 per year. According to our data, the priciest insurance provider for GranTurismo insurance is Safeway.

 

5. Mercedes-Benz S-Class

Budget-focused buyers beware: the Mercedes-Benz S-Class is America's fifth-most expensive vehicle to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $94,250, in addition to an average yearly insurance cost of $3,684. If you're trying to save on insurance for the Mercedes-Benz S-Class, start with Grange, offering average insurance rates of only $991. According to our data, the most expensive insurance provider for Mercedes-Benz S-Class insurance is Infinity.

 

6. Mercedes-AMG GT

The Mercedes-AMG GT is the country's sixth-most expensive vehicle to insure. As a luxury vehicle, the MSRP is $99,950, in addition to an average yearly insurance cost of $3,678. If you're trying to save on insurance for your Mercedes-AMG GT, consider Grange, which offers average insurance rates of only $1,098 per year. According to The Zebra's data, the priciest insurance provider for GT insurance is Infinity.

 

7. BMW X6

The BMW X6 is the nation's seventh-most expensive vehicle to insure. As a high-end vehicle, the manufacturer suggested retail price (MSRP) is $64,300, and its average annual insurance costs amount to $3,535. If you're seeking the cheapest car insurance rate for your BMW X6, start with Grange, offering average insurance rates of only $1,092 per year. According to insurance rate data from The Zebra, the most expensive company with which to insure the X6 is Infinity.

 

8. Tesla Model X

Budget-minded insurance shoppers should look elsewhere, as the Tesla Model X is America's eighth-most expensive vehicle to insure. As a high-performance vehicle, the manufacturer suggested retail price (MSRP) is $81,000‚ and its average annual insurance costs amount to $3,514. If you're seeking the cheapest insurance rate for the Tesla Model X, start by checking with Grange, offering average insurance rates of only $1,198 per year. According to our data, the most expensive company for Model X insurance is Safeway.

 

9. BMW 7 Series

The BMW 7 Series is the country's ninth-most expensive vehicle to insure. This luxury vehicle's manufacturer-suggested retail price (MSRP) is $86,450, in addition to an average annual insurance outlay of $3,492. If you're seeking the cheapest auto insurance rate for your BMW 7 Series, begin with Grange, which offers an average annual premium of just $1,023. Our data show the most expensive company with which to insure the 7 Series is Infinity.

 

10. Porsche Panamera

The Porsche Panamera is the nation's 10th-most expensive vehicle to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $87,200, in addition to an average annual insurance cost of $3,386. If you're seeking the cheapest car insurance rate for the Porsche Panamera, start with Grange, providing average insurance rates of just $1,081. The Zebra's insurance rate data show the priciest company for Porsche Panamera insurance is Infinity.

RankVehicleAverage 6-Month Premium
1 BMW i8 $2,152
2 Maserati Quattroporte $2,031
3 Nissan GT-R $1,932
4 Maserati GranTurismo $1,868
5 Mercedes-Benz S-Class $1,842
6 Mercedes-AMG GT $1,839
7 BMW X6 $1,768
8 Tesla Model X $1,757
9 BMW 7 Series $1,746
10 Porsche Panamera $1,693

The most expensive vehicles to insure in 2019

1. Audi R8

From 2017 to 2018, the average insurance cost for an Audi R8 increased by almost 150%. As a high-performance vehicle, the manufacturer suggested retail price (MSRP) is $138,700. If you’re looking to get the cheapest insurance rate for an Audi R8, start with Nationwide, offering an average annual premium of only $965. Our data shows the most expensive company for Audi R8 insurance is GEICO, with average annual costs of $2,391.

 

2. BMW i8

Data from our 2018 State of Auto Insurance shows the costliest company for insuring a BMW i8 is 21st Century, with an average annual premium of $4,265. Because it’s a luxury vehicle, the car insurance coverage cost will be 2.73% of the MSRP. Year-over-year, the average annual premium for a BMW i8 increased from $2,522 to $4,032, making this model one of the more expensive vehicles to insure.

 

3. Dodge Viper

Shopping for car insurance for Dodge Viper can be a difficult process, primarily because it’s one of the most expensive cars to insure. As a luxury car, the annual car insurance premium is about 4.21% of this vehicle’s MSRP. In the past year, the average annual premium for a Dodge Viper went up significantly, to $3,921. So if you’re looking to save as much money as possible, consider shopping with Indiana Farmers Mutual, which covers the Viper for the cheapest rates. Try to avoid Auto Club Enterprises, the most expensive insurance company for the Dodge Viper.

 

4. Nissan GT-R

From 2017 to 2018, the average annual premium for a Nissan GT-R increased by almost 42%. The GT-R's MSRP is $99,990. If you’re looking to get the most affordable insurance rates for a Nissan GT-R, start with Quincy Mutual, with average annual premiums of $1,163. The most expensive company for Nissan GT-R insurance is Allstate, with an average cost of $6,344.

 

5. Porsche 911

Our 2019 State of Auto Insurance report shows the priciest company for Porsche 911 insurance is GEICO, offering average annual rates of $2,142 per year. The cost of insurance on a Porsche 911 is 3.69% of the MSRP. Year-over-year, the average annual premium for a Porsche 911 increased from $1,469 to $3,403, making this model one of the most expensive vehicles to insure.

 

6. BMW X6

Shopping for cheap car insurance for BMW X6 can be a long process, primarily because it’s one of the most expensive cars to insure. The annual insurance premium on an X6 is about 5.31% of the MSRP. In the past year, the average annual premium for a BMW X6 increased by about 42%, from $2,389 to $3,395. So if you’re looking to save as much money as possible, consider shopping with Progressive, which offers relatively cheap insurance for the BMW X6. Try to avoid 21st Century, which offers expensive X6 auto insurance.

 

7. Tesla Model S

From 2017 to 2018, the average annual premium for a Tesla Model S increased by almost 330%. If you’re looking to get the cheapest rate on your Tesla Model S, we suggest shopping with Progressive. Our data shows the most expensive company through which to insure a Tesla Model S is Allmerica.

 

8. Mercedes-Benz G-Class

Data from our 2018 State of Auto Insurance shows that the costliest company to insure your Mercedes-Benz G-Class with is Safeco, where your annual premium might be $4,551. For the G-Class, the average insurance coverage cost is 2.71% of the MSRP. Year-over-year, the average annual premium for a Mercedes-Benz G-Class increased from $1,319 to $3,379, making this model one of the more expensive vehicles to insure.

 

9. Mercedes-AMG GT

Shopping for car insurance for a Mercedes-AMG GT can be a difficult process, primarily because it’s one of the most expensive cars to insure. As a high-performance car, the annual car insurance premium is about 2.95% of this vehicle’s MSRP. In the past year, the average annual premium for a Mercedes-AMG GT went up about 69%, from $1,985 to $3,350. So if you’re looking to save as much money as possible, consider Progressive, which insures the Mercedes-AMG GT at the lowest cost. Try to avoid Safeco, which provides the most expensive coverage.

 

10. BMW 7-Series

From 2017 to 2018, the average annual premium for the BMW 7-Series increased by almost 193%. If you’re looking to get the cheapest rate on your BMW 7-Series, we suggest shopping with USAA, where the average annual premium is only $619 per year. Our data shows that the most expensive company through which to insure your BMW 7-Series is Nationwide, with annual premiums of $1,401 a year.

The most expensive vehicles to insure in 2018

1. Mercedes-Benz E-Class

  • Average annual premium: $2,173
  • Type: Luxury midsize
  • MSRP: $58,900
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Safeco

 

2. Mercedes-Benz C-Class

  • Average annual premium: $1,934
  • Type: Luxury sedan
  • MSRP: $40,250
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Safeco

 

3. BMW X5

  • Average annual premium: $1,830
  • Type: Luxury SUV
  • MSRP: $57,200
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Amica

 

4. BMW 3 Series

  • Average annual premium: $1,762
  • Type: Luxury midsize
  • MSRP: $45,000
  • Cheapest insurance company: USAA
  • Most expensive insurance company: Farmers

 

5. Audi Q5

  • Average annual premium: $1,712
  • Type: Luxury SUV
  • MSRP: $41,500
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Allstate

 

6. Lexus ES

  • Average annual premium: $1,709
  • Type: Luxury
  • MSRP: $38,950
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: ALFA

 

7. Cadillac SRX

  • Average annual premium: $1,699
  • Type: Luxury midsize
  • MSRP: $37,605
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Amica

 

8. Lexus RX

  • Average annual premium: $1,637
  • Type: Luxury midsize
  • MSRP: $43,470
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: ALFA

 

9. Acura MDX

  • Average annual premium: $1,627
  • Type: Luxury midsize
  • MSRP: $44,330
  • Cheapest insurance company: Geico
  • Most expensive insurance company: ALFA

 

10. Nissan LEAF

  • Average annual premium: $1,608
  • Type: 5-door hatchback
  • MSRP: $29,990
  • Cheapest insurance company: Plymouth Rock Insurance
  • Most expensive insurance company: Allstate

 


Wondering how other vehicles compare?

Add vehicles to see how their insurance costs stack up against the most expensive cars to insure.

2025 BMW M5 Vehicle Image
2025 BMW M5
Av. Cost Per Year$7,819
Av. Per Month$652

Cheapest Companies

Progressive$365/m
Erie$413/m
Nationwide$482/m

Does auto insurance get cheaper as cars age?

Yes—insurance costs may decrease slightly as vehicles age, but high-value cars tend to remain expensive to insure regardless of their age. Why?

  • Replacement parts are often made from premium materials and produced in smaller quantities than those for more common vehicles
  • Proprietary technology and high-performance components may require specialized training to repair, which can increase labor costs.

If you're considering one of these premium vehicles, buying used can be one of the easiest ways to reduce insurance costs. A used model typically has a lower purchase price and may also cost less to insure.

 

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Frequently asked questions

According to The Zebra's data, the most expensive car to insure is the BMW M5, which costs an average of $652 per month, 260% more than the national average for auto insurance.

To find cheap insurance for an expensive car, it's crucial to compare rates from multiple insurers. You can also lower costs by maximizing discounts and maintaining a clean driving record, and while a higher deductible can reduce your premium, it only makes sense if you can comfortably afford it after a claim.

Insurance costs for older luxury and high-performance vehicles are generally less than those for brand-new models; however, they still tend to be higher than most mainstream car models thanks to higher parts and labor costs for repairs.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.