The 10 Most Expensive Cars to Insure in 2018

The Zebra
Sept. 18, 2018

The cost of insurance isn't always a consideration when purchasing a new car, despite the fact insurance is Americans' fourth-largest expense. You might be able to afford the monthly car payments, but car insurance premiums for a new model can cost hundreds — or even thousands — of dollars per year.

High-performance and luxury cars often cost more to insure. Factors like driver age, past tickets or accidents, bad credit, or even state laws, can exacerbate rate hikes, making it important to consider the insurance cost consequences when shopping for a new car.

As the nation’s leading car insurance search engine, The Zebra has access to millions of rates from across the United States. Using our proprietary quote engine, we found the top 10 most expensive cars to insure (more on our methodology).

 

The most expensive cars to insure in 2018

 

1. Mercedes-Benz E-Class

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

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

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

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

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

Lexus ES

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

 

7. Cadillac SRX

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

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

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

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

 

 


 

Does insurance get cheaper as cars age?

One of the easiest ways to save on car insurance is to spend less up front. Vehicles with higher MSRPs are usually more expensive: their parts tend to be pricier and more difficult to easily replace. Opting for a used model is another potential source of savings, as a used car often costs less than its brand new counterpart.

Compare rate depreciation for the top 10 most expensive vehicles to insure and decide if you're willing to sacrifice that new car smell for auto insurance savings:

 

INSURANCE RATES — NEW vs. USED MODELS
Model New 1Y rate 5Y rate
Mercedes-Benz E-Class $2,173 $2,063 $1,714
Mercedes-Benz C-Class $1,934 $1,871 $1,638
BMW X5 $1,830 $1,789 $1,515
BMW 3-Series $1,762 $1,704 $1,503
Audi Q5 $1,712 $1,672 $1,511
Lexus ES $1,709 $1,667 $1,515
Cadillac SRX $1,699 $1,699 $1,557
Lexus RX $1,637 $1,569 $1,365
Acura MDX $1,627 $1,551 $1,276
Nissan LEAF $1,608 $1,551 $1,497

 

Methodology

Between September and December 2017, The Zebra conducted comprehensive car insurance pricing analysis using its proprietary quote engine. This comprised data from insurance rating platforms and public rate filings.

Analysis used a single insured driver profile: a 30-year-old single male with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident, with a $500 deductible for comprehensive and collision, driving a 2013 Honda Accord EX.

For coverage-level data, optional coverage — that must be rejected in writing — is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses info comes from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report. Some data may vary slightly throughout report due to rounding.

Vehicle make and model analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales, according to Goodcarbadcar.net’s automakers’ data.

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