Insurance companies determine car insurance rates using several factors, some of which are beyond your control. However, certain cars have more expensive auto insurance rates than others.
Today, we’ll take a look at cars with the most expensive auto insurance rates. Some of the models listed here cost nearly four times to insure than the least expensive car. Hence, car buyers must be aware of how much money they need to set aside every month to drive the car of their dreams. Let’s take a look:
10. Audi RS7 Quattro
MSRP: 116,000
Average annual premium: $3,900
The 2022 Audi RS7 is a super-high-performance hatchback with a bold design and a luxurious, tech-filled interior. Featuring Audi’s famous boxed wheel arches and a massive twin-turbo V8, the RS7 Quattro produces 591 horsepower. That’s enough for a 0-60mph sprint three seconds! Naturally, insurance companies deem a car this fast and powerful risky to insure. Hence, it costs an average of $3,900 for insuring the RSY Quattro with a full coverage policy.
Curious about the cars with the least expensive insurance rates in the country? Head here.
9. BMW M850i xDrive
MSRP: $122,395
Avg. annual premium: $3,915
The next most expensive car to insure on this list comes from Audi’s biggest rival, BMW. The 2022 BMW 8-Series M850i xDrive sits on top of its portfolio, making it one of the most desirable cars ever. It features an aggressive design that’s sure to make heads turn, which may not always be a good thing when you are on the road! Powered by a twin-turbo V8, the M850i xDrive packs 523 horsepower and sprints to 60mph in 3.3 seconds. It even has all the modern luxuries you could think of, including heated front seats wrapped in leather. Other highlights include a 10.3-inch touchscreen and all-wheel drive.
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8. Nissan GT-R
MSRP: $113,540
Avg. annual premium: $3,980
This supercar slayer from GT-R has a stellar reputation among the tuning community, which is probably why it on of the most expensive cars for auto insurance. Nicknamed the “Godzilla,” this sports car dashes from 0-60mph in under 3 seconds, making it one of the quickest vehicles on the road! Powered by a twin-turbocharged V6 engine, the Nissan GT-R features an all-wheel drive system to put its 565 horses on the road.
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7. Mercedes-Benz S560
MSRP: $132,450
Avg. annual premium: $3,996
Often referred to as the “Best Car in the World,” the Mercedes-Benz S-Class costs a pretty penny to insure. After all, it has enough technology and gadgets to make you feel like an oligarch. Hence, it can get pretty expensive to replace these components in the event of an accident. The 2-door convertible version of the S-Class, the S 560, is the most expensive of the lot as it boasts features such as a 12.8-inch OLED touchscreen, Nappa leather upholstery, and a cabin air purification system! Powered by a twin-turbo V8, the S 560 puts out 463 horsepower and sprints from 0-60mph in 4.5 seconds.
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6. Mercedes-Benz AMG G63
MSRP: $157,500
Avg. annual premium: $4,007
The mammoth G63 from Mercedes-Benz has been a favorite among celebrities for ages now. Not only does it look imposing on the road, but it also packs several luxuries such as massaging seats and three-zone climate control. Powered by a twin-turbo V8, the G63 SUV puts out 577 horsepower and does 0-60mph in just 3.9 seconds!
5. BMW i8
MSRP: $147,500
Avg. annual premium: $4,034
One of the most fuel-efficient sports cars globally, the BMW i8 comes equipped with a premium Harman Kardon sound system, Apple CarPlay, and luxurious leather seats. The i8 is available as both a coupe and a convertible, with the latter being more expensive to insure. The i8 is equipped with a plug-in hybrid engine, letting it hit 60mph in just 4.6 seconds and reach a maximum speed of 155mph.
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4. Mercedes-Benz S63 AMG
MSRP: $185,400
Avg. annual premium: $4,056
The sportier version of the S 560 above, the S63 features a massive twin-turbocharged V8 engine helping it hit 60mph in 3.4 seconds. However, this Mercedes-Benz is more than just a fast cruiser. The cabin is lavish, with Nappa leather seats throughout, 12-way powered seats in the front (with massage functions), handcrafted wood trim, and three-zone LED ambient lighting. It’s as if your opulent living room were mounted on wheels.
3. Audi R8 V10 Quattro
MSRP: $199,095
Avg. annual premium: $4,167
The R8 was Audi’s first stab at the supercar segment. Now in its second generation, the new R8 continues to feature a V10 motor known for its stonking performance. Developing 602 horsepower, the R8 can hit 60mph in under 3 seconds! However, equipment such as 18-way power-adjustable seats wrapped in Nappa leather and 20-inch aluminum wheels puts it in a category of cars that have the most expensive auto insurance.
2. Porsche Taycan Turbo
The only pure electric car on this list, the Taycan Turbo from Porsche, has set new benchmarks for EV performance. Developing 670 horsepower and equipped with all-wheel drive, the Taycan Turbo is rapid. A modern driver’s “cockpit,” thermally insulated glass, multiple airbags, and a pollen filter contribute to making it one of the most expensive cars to insure in the country.
1. Maserati Quattroporte GTS GranLusso
MSRP: $111,185
Avg. annual premium: $4,308
By far the car with the most expensive auto insurance rate in the country, the Quattroporte from Maserati is infamous for its maintenance costs. The Quattroporte GTS GranLusso sedan combines a race car engine with the most luxurious interior designed in Italy. Producing 530 horsepower, the Quattroporte can hit a top speed of 190mph. It features heated seats, four-zone climate control, natural leather upholstery, and one of the finest suspension systems ever fitted to a car.
How do the make and model affect car insurance rates?
Your auto insurance rates are heavily influenced by the claims history of the vehicle you’re insuring. Even if you have a perfect driving record, your rate will go up if your insurer has received numerous and/or expensive claims for that model.
Furthermore, when a high-value car is totaled, and collision or comprehensive insurance pays out, it results in high-cost claims. It’s important to note that this payout is based on the vehicle’s cash worth when it’s totaled, not the MSRP or amount you paid for it. To get the best car insurance rates for your vehicle, tap the banner above to use our car insurance tool. You can get quotes from several car insurance companies, compare rates and choose a policy that best fits your needs using our tool. So, hurry up and get clicking!
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