Luxury cars

10 most expensive luxury cars to insure – Forbes Advisor


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High power, Nappa leather seats with massage, premium audio systems. If you are in the market for a luxury vehicle, the associated premium insurance premiums probably won’t bother you. Here are the most expensive cars to insure based on an analysis of 320 models.

1. Maserati Quattroporte GTS GranLusso

4-Door Turbo Sedan
Average annual premium: $ 4,271
MSRP: $ 111,185
The Maserati Quattroporte GTS GranLusso 4-Door Sedan Turbo offers the pedigree of a racing car but the luxury of the most upscale of vehicles. With a maximum output of 530 horsepower and a top speed of over 190 mph, this stylish vehicle is packed with features such as four-zone climate control and heated seats, natural leather upholstery, race-inspired wheels and a comfortable suspension system developed by Maserati.

The Maserati Quattroporte GTS GranLusso 4-Door Turbo Sedan allows the driver to unleash their racing spirit while simultaneously enjoying executive-level amenities.

2. Porsche Taycan Turbo

4-door sedan
Average annual premium: $ 4,117
MSRP: $ 152,250
Put simply, the Porsche Taycan Turbo 4-Door Sedan is a refined automotive beast. With up to 670 horsepower, this top-of-the-line machine dominates the road. In addition to its pure muscles, the highlights include an advanced “cockpit” for the driver, thermal insulated glass, a pollen filter and a host of airbags. The Porsche Taycan Turbo 4-Door Sedan can get you where you want to go in a flash and in style.

3. Audi R8 5.2L V10 Quattro

Coupe 2-Door AWD
Average annual premium: $ 4,079
MSRP: $ 199,095
At 602 hp, the Audi R8 5.2L V10 Quattro 2-Door Coupé AWD delivers almost as much power as the Kentucky Derby. Driver and passenger can zoom in on this seven-speed beauty while lounging in premium 18-way Nappa leather seats; ride on 20-inch aluminum sport wheels; and jamming tunes pumped by a SiriusXM five-speaker, Bluetooth-enabled audio system. Thanks to the V10 engine, this Audi purrs like a tiger. And the chic interior should make driver and passenger purr with pleasure.

4. Mercedes-Benz S63 AMG 4MATIC

Convertible 2-Door Turbo AWD
Average annual premium: $ 3,948
MSRP: $ 185,400
The performance and style of the Mercedes-Benz S63 AMG 4MATIC 2-Door Convertible Turbo AWD could make your heart beat faster. The twin-turbo V8 engine peaks at 603 horsepower and sets the stage for a zero to 60 time of 3.4 seconds. This Mercedes-Benz goes beyond being a fast road warrior, however. The interior lives up to the price, with luxurious nappa leather seats throughout, 12-way power seats (with massage functions) up front, handcrafted wood accents and ambient lighting in the front. Three zone LEDs. It’s like your well-appointed living room is on wheels.

5. BMW i8

Convertible 2-Door Turbo Electric
Average annual premium: $ 3,934
MSRP: $ 147,500
The BMW i8 Convertible 2-Door Turbo Electric combines enviable power, exquisite style and substance, and energy savings. This plug-in hybrid can go from zero to 60 in an impressive 4.6 seconds and reach a top speed of 155 mph. Style and substance, this bad boy features a Harman Kardon sound system, Apple CarPlay functionality, and leather upholstery. And finally, the BMW i8 offers a miles per gallon (MPGe) equivalent of 69.

6. Mercedes-Benz AMG G 63 4MATIC

4-Door AWD Turbo Utility
Average annual premium: $ 3,933
MSRP: $ 157,500
The 577 hp biturbo V8 engine is the star of the Mercedes-Benz AMG G 63 4MATIC, an engine that helps propel this utility vehicle from zero to 100 km / h in just 3.9 seconds. But the co-stars are holding up, including the wireless smartphone charger, tri-zone air conditioning, 20-inch wheels, and heated front and rear seats. The Mercedes-Benz AMG G 63 4MATIC undoubtedly lends a unique character to the utility class.

7. Mercedes-Benz S 560

2-door convertible turbo
Average annual premium: $ 3,896
MSRP: $ 132,450
The Mercedes-Benz S 560 2-door convertible Turbo is both high-tech and high-end. On the high-tech side, this convertible offers perks like a 12.8-inch OLED infotainment screen, 3D dashboard and 360-degree camera. On the high-end side, it comes with 12-way power seats, three-zone LED mood lighting, nappa leather upholstery and a cabin air purification system. Not to be overlooked, the astonishing power of the convertible: two turbos allowing a power of 463 horsepower and an acceleration from zero to 60 in 4.5 seconds.

8. Nissan GT-R

2-Door Turbo Coupe
Average annual premium: $ 3,880
MSRP: $ 113,540
Getting into the driver’s seat of the Nissan GT-R 2-Door Coupé Turbo can feel like you’ve been transported straight to the racetrack. This sports car, nicknamed “Godzilla”, goes from zero to 60 in a breathtaking 2.9 seconds thanks to a twin-turbo engine that delivers an output of 565 horsepower. As a bonus, all-wheel drive is standard.

9. BMW M850i ​​xDrive

2-door convertible turbo
Average annual premium: $ 3,815
MSRP: $ 122,395
With 523 hp, the BMW M850i ​​xDrive 2-Door Cabriolet Turbo does not heckle. Along with the ability to go from zero to 60 in 3.3 seconds, this convertible immerses you in luxury with a 10.3-inch touchscreen, 14-way power heated front seats and rich leather throughout. passenger compartment. A highly desirable standard feature: all-wheel drive.

10. Audi RS7 Quattro

AWD Turbo 4-Door Sedan
Average annual premium: $ 3,800
MSRP: $ 116,000
The Audi RS7 Quattro 4-door Sedan AWD Turbo elevates the Audi range in beauty and power. This polished machine dazzles with highlights such as leather upholstery, a two-touchscreen infotainment system and a subscription Wi-Fi hotspot. Muscle wise, the 591bhp engine propels this sedan from zero to 60 in three seconds and allows the driver to press the pedal at up to 155mph.

Related: Most expensive and cheapest vehicles to insure among popular models

How Vehicles Affect Auto Insurance Rates

The claim history of the vehicle you are insuring can have a big impact on your auto insurance rates. If your insurer has received frequent and / or costly claims for this model, they will increase your own rate, even if you have an excellent driving record.

Plus, expensive vehicles that hold a high cash surrender value lead to expensive claims when they are totaled and collision or comprehensive insurance pays off. Note that this payment is based on the cash value of the vehicle at the time it is totaled, not the MSRP or the price you paid for it.

Compare, for example, the Maserati Quattroporte GTS GranLusso, with an average annual auto insurance rate of $ 4,271, with the popular Toyota RAV4 at around $ 1,700 per year for the same amount of coverage.


We used data from Quadrant Information Services, an insurance data and analytics provider. Rates are based on national averages for 2021 models for a 50-year-old driver with a clean criminal record with liability coverage of $ 100,000 in bodily injury per person, $ 300,000 per accident and $ 100,000 in third party liability property damage, uninsured motorist coverage and any other coverage required in a state. The rate also includes collision and full coverage.


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