+120 more)
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
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If you drive a high-performance sports car or luxury SUV, you’ll likely pay some of the highest auto insurance rates on the market.[1] While the national average full-coverage cost is $172 per month, you’ll likely pay closer to $300 per month if you drive certain luxury cars, sports coupes, or electric vehicles.
Your vehicle’s make and model can affect your car insurance costs by hundreds — or even thousands — of dollars per year.
Here’s what you need to know about wthe most expensive cars to insure and why they cost more. We also breakdown what you can do to keep your insurance costs down.
The most expensive cars to insure include high-performance models like the BMW M4 and Nissan GT-R, as well as luxury electric vehicles like the Tesla Model 3 and Tesla Model X.
Sports cars, luxury SUVs, and EVs consistently rank among the priciest to insure due to high repair costs, theft risk, and performance capabilities.
You can often lower your insurance premiums by shopping around, raising deductibles, and maintaining a clean driving record.
The three priciest vehicles to insure share one common trait: They’re built for performance. Topping the list is the BMW M4, followed closely by the Nissan GT-R and Toyota GR86 — all sports-oriented models designed for speed and handling.
Looking at the rest of the list reveals a clear trend in vehicle style: Performance cars and electric vehicles dominate the top spots.
The table below shows average monthly insurance premiums for the 10 most expensive cars to insure in 2026, according to Compare.com data.
Make and Model  | Vehicle Type | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium |
|---|---|---|---|
| BMW M4 | Sports coupe | $170 | $319 |
| Nissan GT-R | Supercar | $169 | $318 |
| Toyota GR86 | Sports coupe | $166 | $318 |
| Tesla Model 3 | Electric vehicle (EV) | $159 | $300 |
| Mercedes-Benz GLE Coupe | Luxury SUV | $159 | $299 |
| Tesla Model X | Luxury EV | $155 | $293 |
| GMC Hummer EV | Luxury EV | $159 | $288 |
| Tesla Model Y | Luxury EV | $153 | $288 |
| Toyota Supra | Sports coupe | $152 | $286 |
| Porsche Panamera | Sports sedan | $144 | $270 |
Keep in mind that average rates don’t tell the full story. Your actual car insurance rates will vary based on your driver profile, location, insurance coverage limits, deductible choices, and other factors.[2]
If you’re shopping for any of these models, compare rates from several insurers before signing a lease or loan. While cheap car insurance may be hard to find, differences between insurers can save you hundreds per year.
Comparing quotes can save you up to $867.
Certain vehicle categories consistently have higher car insurance premiums than others. Let’s look at the four vehicle types that cost the most to insure and why insurance companies charge more for them.
Luxury models like the Mercedes-Benz GLE Coupe, BMW X7, and Audi Q8 command some of the highest insurance premiums in the market. Insurance companies charge more for these vehicles because repairing or replacing high-end parts costs significantly more than for standard models.
For example, if you own a luxury vehicle, you might pay $200 or more per month for insurance coverage. In comparison, if you drive a standard vehicle, you’ll pay an average of $136 per month, according to Compare.com data.
Here are the average monthly premiums for several common luxury models in the table below, according to Compare.com data.
Make and Model | Average Monthly Premium |
|---|---|
| Mercedes-Benz GLE Coupe | $239 |
| Infiniti Q60 | $218 |
| BMW X7 | $207 |
| Audi Q8 | $203 |
| Range Rover Velar | $203 |
| Genesis G70 | $203 |
| BMW 7 Series | $201 |
Popular EVs like the Tesla Model 3, Tesla Model X, and GMC Hummer EV rank among the priciest to insure. Insurers charge higher rates for electric vehicles because specialized battery repairs and replacement parts cost more, and fewer mechanics have the training necessary to work on them.
For instance, if you own a Tesla owner, you might pay between $205 and $230 per month for insurance, compared to the $136 average for conventional vehicle owners.
See the table below to learn how much you can expect to pay each month to insure popular EV models, based on Compare.com data.
Make and Model | Average Monthly Premium |
|---|---|
| Tesla Model 3 | $230 |
| Tesla Model X | $224 |
| GMC Hummer EV | $223 |
| Tesla Model Y | $221 |
| Ford Mustang Mach-E | $206 |
| Tesla Model S | $205 |
| Hyundai Ioniq 5 | $205 |
| Honda Prologue | $205 |
Sports cars and performance models like the Toyota GR86, BMW M4, and Toyota Supra typically have significantly higher insurance costs compared to standard models. Insurance companies say these vehicles are a higher risk because drivers tend to drive them more aggressively, increasing the risk of accidents. They’re also more likely to be stolen.[3]
BMW M4 owners, for example, can expect to pay about $100 more per month for insurance than the national average of $136.
Here’s a look at average monthly insurance premiums for performance models, according to Compare.com data.
Make and Model | Average Monthly Premium |
|---|---|
| Toyota GR86 | $240 |
| BMW M4 | $245 |
| Toyota Supra | $219 |
| Dodge Charger | $203 |
| Dodge Challenger | $199 |
| Hyundai Elantra N | $197 |
| Subaru BRZ | $189 |
| Chevrolet Camaro | $177 |
| Ford Mustang | $176 |
Elite performance vehicles like the Nissan GT-R, Maserati Ghibli, and Porsche Panamera have some of the highest premiums. Insurers charge higher rates for these models due to their high performance, expensive parts, and the likelihood that drivers will push them to their limits.[4]
That said, some sports cars have more affordable auto insurance premiums. For example, the Porsche 911 costs about $166 per month to insure, compared to the $136 national average.
The table below shows average monthly premiums for high-end sports cars and supercars, according to Compare.com data.
Make and Model | Average Monthly Premium |
|---|---|
| Nissan GT-R | $243 |
| Maserati Ghibli | $239 |
| Porsche Panamera | $207 |
| Jaguar F-Type | $182 |
| Porsche Cayman | $181 |
| Porsche 911 | $166 |
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As we’ve seen, performance capabilities, luxury features, specialized parts, and electric powertrains all push insurance premiums higher. When a vehicle checks multiple boxes — like a Tesla Model 3, which is both an electric vehicle and a high-performance car — you’ll pay even more.
The BMW M4 is the most expensive model to insure, with full coverage costing about $319 per month, according to our data. In comparison, the national average cost for a full-coverage policy is $172 per month.
Beyond the vehicle itself, your coverage limits, deductible amount, age, gender, credit history, and driving record all affect your auto insurance rates.[5] If you’re insuring an expensive vehicle, maintaining a clean driving history can help keep premiums in check.
Whether you already own one of the most expensive cars to insure or are planning to buy one, sky-high premiums aren’t inevitable. The following strategies can help you get cheaper car insurance.
Auto insurance rates vary widely between insurers, sometimes by hundreds of dollars for the same coverage on a new car.
Increasing your deductible can significantly reduce your monthly insurance premiums, but make your can afford to pay if you file a claim.[6]
Many insurers offer discounts when you combine auto and home insurance.
Savings earned through safe driver discounts, good student discounts, and vehicle safety feature discounts can add up.
Drivers with a good credit history may pay less for car insurance.[7]
Check quotes from 120+ top insurance companies
Not every vehicle comes with a hefty insurance bill. Practical family vehicles from Honda and Subaru consistently rank among the cheapest cars to insure, thanks to excellent safety ratings and affordable repair costs.
The following are the 10 cheapest models to insure, according to Compare.com data.
Make and Model | Average Monthly Premium |
|---|---|
| Subaru Forester | $100 |
| Subaru Outback | $101 |
| Subaru Crosstrek | $108 |
| Subaru Ascent | $109 |
| Honda Passport | $112 |
| Honda CR-V | $112 |
| Honda Ridgeline | $113 |
| Hyundai Santa Cruz | $113 |
| Chrysler Voyager | $113 |
| Ford Ranger | $113 |
For more information about insuring high-cost vehicles, see the answers to the most commonly asked questions below.
The BMW M4 is the most expensive vehicle to insure, with an average monthly full-coverage premium of $319, according to Compare.com data. The Nissan GT-R and the Toyota GR86 are close behind, with full coverage averaging $318 per month.
Among the luxury vehicles in our analysis, the BMW 7 Series has relatively affordable premiums, at $201 per month. But this still exceeds the national average price of $136 per month for all vehicles.
Not always. While more expensive vehicles tend to be more expensive to insure, sticker price alone doesn’t determine insurance costs. In addition to your vehicle’s value, insurers also focus on repair costs, theft rates, and safety data, among other factors.
One of the best ways to estimate insurance costs is to use an insurance comparison website, which lets you get quotes from several insurers at once to compare pricing side by side. Requesting quotes from multiple companies is crucial to finding the car insurance policy that best fits your coverage needs and budget.
Generally, yes. Full coverage protects your investment if you total your expensive vehicle or if someone steals or damages it.[8] The higher your car’s value, the more financial risk you face if you file an insurance claim. And if you finance or lease your vehicle, your lender will require you to have a full-coverage policy.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.