dodge viper

Ten Most Expensive Cars to Insure

It feels pretty good to own a new sports car or luxury sedan, but those vehicles don’t come cheap. Even after the purchase price, you need to take into account the cost of insurance every year, and that can add up.

An annual study from Insure.com found the ten most expensive vehicles in the US to insure, and the data showed that things get pricey if you want to combine the ultimate in comfort and performance. To compile the list, the company looks at quotes from Allstate, Farmers, Geico, Nationwide, Progressive and State Farm for 10 ZIP codes per state. It includes over 2,300 models but doesn’t have enough info for some exotics.

The study bases the rates on full coverage for a single 40-year-old male with a clean record, good credit, and 12-mile daily commute. The policy includes $100,000 for injury liability for one person, $300,000 for all injuries, $50,000 for property damage in an accident, a $500 deductible for collisions, and uninsured motorist coverage.

porsche 911 gt3 rs

10. Porsche 911 Carrera GT3 RS

Average annual insurance rate: $3,212

Porsche 911 GT3 RS buyers will either keep this track-honed coupe locked away in hopes of it appreciating in value or drive the car very hard. We have a feeling the latter group and these models' rarity puts them in tenth place on this year’s list. 

Research the 2016 Porsche 911
audi rs7

9. Audi RS7 Quattro Prestige

Average annual insurance rate: $3,229

Audi's RS7 costs just a few more dollars per year than the Porsche. Again, this is a vehicle that begs drivers to enjoy it and isn’t cheap to repair if there's an accident. 

Research the Audi
land rover range rover sv autobiogaphy

8. Land Rover Range Rover SVAutobiography Black LWB

Average annual insurance rate: $3,245

When you need lots of room and just as much luxury, a long-wheel base Range Rover can definitely provide it, especially in the opulent Autobiography trim. If you can afford a vehicle like this, hopefully the insurance doesn’t break the bank.

The most expensive vehicle on this list costs almost $800 more per year. 

Research the 2015 Land Rover Range Rover
BMW M6 Gran Coupe

7. BMW M6 Gran Coupe

Average annual insurance rate: $3,309

The M6 Gran Coupe combines serious performance with the ability easily to load friends in the back seat. However, that convenience comes with a steep insurance bill each year.

Research the 2015 BMW m6
Nissan GT-R Nismo

6. Nissan GT-R Nismo

Average annual insurance rate: $3,476

Various Nissan GT-R trims topped this list for the last two years, according to Insure.com. However, this Japanese supercar is no longer the king and falls to sixth place.

Research the 2015 Nissan GT-R
porsche panamera

5. Porsche Panamera S Executive

Average annual insurance rate: $3,484

There continues to be a trend on this list each year that imported vehicles with high performance cost more to insure. That's exactly the case with this Porsche Panamera.

However, the car in the top spot this year actually comes from the US. 

Research the 2015 Porsche Panamera
mercedes s63 amg

4. Mercedes-Benz S63 AMG 4Matic

Average annual insurance rate: $3,513

The Mercedes-Benz S63 AMG is the first of several models from the German luxury automaker on this list. The high-performance sedan is made to eat up the miles at a rapid pace. However if someone hits you, repairing the car’s tech isn’t cheap.

Research the Mercedes-Benz
mercedes-benz s600

3. Mercedes-Benz S600

Average annual insurance rate: $3,539

The S600 is a very similar vehicle to the S63 AMG, but this version of the sedan is even more opulent. It's also a little more expensive to insure. However, there are still two more vehicles that cost even more. 

Research the Mercedes-Benz
mercedes sl65 amg

2. Mercedes-Benz SL65 AMG

Average annual insurance rate: $3,797

Rounding out the Mercedes trio on this list is the company’s ultimate roadster – the SL65 AMG. It's a sports car with a six-figure price and a twin-turbo V12 engine. The combo is enough to make the droptop nearly the most expensive vehicle to insure in the US. But not quite.

Research the Mercedes-Benz
dodge viper

1. Dodge Viper GT

Average annual insurance rate: $4,048

After so many exotic vehicles, you might be surprised to see the Dodge Viper in the top spot. In fact, it has the lowest purchase price of any vehicle on this list.

As Insure.com points out, Viper drivers want to enjoy the coupe’s V10 performance. Most people don’t get one just to cruise around cautiously, and that behavior makes the Viper the most expensive car to insure in the US.

Research the 2015 Dodge Viper


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