Top 10 Most Expensive 2025 and 2026 Vehicle Models to Insure
Though a person’s age, gender, driving record, credit history, and location affect auto insurance costs, the insured vehicle itself also factors into premiums. Insurers consider things like a vehicle’s replacement cost, likelihood of theft, repair costs, engine safety, and overall safety record when setting premiums, according to the Insurance Information Institute (Triple-I).[1]
The top 10 new vehicles with the highest full-coverage car insurance premiums have above-average MSRPs, according to Kelley Blue Book (KBB).[2] Most haven’t received safety ratings from the Insurance Institute for Highway Safety (IIHS), and all of them have worse-than-average past loss histories for 2022–2024 model years, especially for collision claims, according to the Highway Loss Data Institute (HLDI).[3] [4]
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1. BMW M4
Average annual cost of full coverage: $6,380
2026 BMW M4 starting MSRP: $83,550
Vehicle type: Compact luxury coupe
The high-performance BMW M4 is a prime example of what keeps people coming back to the German automaker. It’s sleek and sporty, and the entry-level trim boasts a 473-horsepower engine. It also has three “competition” trims with even more powerful engines, including a convertible.
But it’s still a reliable car for everyday life. The M4 comes with standard safety features, including forward-collision warning with automatic braking and blind-spot monitoring.
Its high insurance premiums reflect its pricey MSRP, advanced features, and high-performance engine. Past model years also have a substantially worse-than-average loss history, which insurers consider when setting rates. The M4’s combined collision claim frequency and severity rate is 210% higher than average, and its comprehensive loss rate is 184% higher than average, according to the HLDI.
2. Cadillac CT4-V
Average annual cost of full coverage: $5,542
2026 Cadillac CT4-V starting MSRP: $50,600
Vehicle type: Compact luxury sedan
The Cadillac CT4-V has the most affordable starting price on this list, but its popular Blackwing trim adds more than $10,000 to the MSRP. High-performance trims can raise insurance costs because powerful engines and advanced tech increase claims risk and repair costs. For example, the Blackwing packs a 472-horsepower engine — on par with the M4 — plus four wheels equipped with performance-oriented Brembo brakes.
The IIHS hasn’t published a safety rating for the CT4-V, but the vehicle comes standard with safety features like collision warning, lane-departure warning, and parental controls. Past model years have worse-than-average loss histories, too: 64% higher than average for collision losses and 78% higher than average for comprehensive losses, according to the HLDI.
3. Mercedes-Benz G-Class
Average annual cost of full coverage: $5,501
2026 Mercedes-Benz G-Class starting MSRP: $153,900
Vehicle type: Luxury SUV
The Mercedes-Benz G-Class SUV is the most expensive model on this list. A 2026 G-Class starts at $153,900, and its all-electric variant starts at $163,200. That alone can drive up premiums by increasing the cost of a total loss claim.
Both models have high-performance engines and a new safety feature called Guard 360, which notifies the owner if someone damages the vehicle or attempts to steal it while parked.
Past models have experienced higher-than-average losses, according to the HLDI. In particular, the comprehensive loss history for past model years is 236% higher than average.
4. Audi S5
Average annual cost of full coverage: $4,937
2026 Audi S5 starting MSRP: $64,595
Vehicle type: Midsize luxury sedan
The sporty Audi S5 is another vehicle that balances the thrill of a high-performance engine with everyday practicality, all tied up in a sleek design. Its higher insurance premiums reflect its luxury status and the costs that come with that. Luxury vehicles often require original equipment manufacturer (OEM) repairs, certified mechanics, and specialized equipment or materials, which can drive up the cost of even relatively simple claims.
The S5 also comes equipped with advanced driver assistance systems (ADAS), such as adaptive cruise assist and lane guidance. Though these are becoming increasingly standard in all new cars, the calibration they require if damaged in an accident can also lead insurers to pay out more expensive claims.
5. BMW i5
Average annual cost of full coverage: $4,920
2026 BMW i5 starting MSRP: $68,275
Vehicle type: All-electric midsize luxury sedan
The BMW i5 is the automaker’s all-electric version of its popular 5 Series. Besides being a sleek, luxury EV with a 310-mile range, it’s also equipped with tons of tech, like an integrated video gaming platform. Drivers can also add the driving assistance professional package, which includes hands-free driving, evasive steering, and lane-changing assistance, as well as side-collision protection and front cross-traffic warning.
All that technology, plus its long-range battery, is expensive to repair and recalibrate, leading to higher insurance premiums. Electric vehicles (EVs) are typically more expensive to insure than gas-powered cars, but the i5 is expensive even by EV standards. The average cost of insuring a new EV is $3,293 per year, according to an EV report from Insurify.
6. BMW 8 Series
Average annual cost of full coverage: $4,839
2026 BMW 8 Series starting MSRP: $96,050
Vehicle type: Luxury coupe/sedan
The high-performance engine and luxurious design of the BMW 8 Series contribute to its nearly $100,000 price tag and high insurance premiums. The 2026 model comes standard with a full-color heads-up display and a 16-speaker surround-sound system, according to KBB. Its top trim packs a 523-horsepower engine.
The technology may be advanced, but its risk of needing repairs is high, contributing to elevated premiums. Past 8 Series model years have a worse-than-average loss history: 157% higher than average for collision loss and 291% higher than average for comprehensive loss, according to the HLDI.
For admirers or enthusiasts, this is the last chance to get a new BMW 8 Series. The automaker announced in April that it was discontinuing the model.[5]
7. BMW M440i
Average annual cost of full coverage: $4,817
2026 BMW M440i starting MSRP: $68,450
Vehicle type: Luxury coupe/sedan
The M440i is BMW’s performance-focused version of the 4 Series, though its average insurance cost is below the BMW M4, which tops this list. The M440i features 386 horsepower, high-performance brakes, stunning interior design, three body styles, and lots of tech options, according to KBB. As with the M4, the M440i’s luxury build and high-tech features translate into higher repair costs and a higher risk of claims, which insurers pass along to drivers in higher premiums.
Like most models on this list, the M440i doesn’t have an IIHS safety rating, though it does come with standard safety technology. The driving assistance professional package is also available for M440i drivers and includes features such as lane-change assist and adaptive cruise control with steering assistance.
8. BMW M3
Average annual cost of full coverage: $4,811
2026 BMW M3 starting MSRP: $80,475
Vehicle type: Luxury compact sedan
The M3 is another high-performance, sporty, range-topping BMW model, continuing a trend on this list. Like the M4, it has a powerful engine and strong brakes that will thrill driving enthusiasts, yet it still offers a comfortable, spacious interior for everyday use, according to KBB. The M3 also has a specialized carbon package, which includes carbon-ceramic brakes and carbon-fiber sports seats. Carbon components are extremely expensive, and damage usually means replacement, not just repair.[6]
Past M3 model years also have a substantially worse-than-average loss history: 255% higher than average for collision claims and 146% higher than average for comprehensive claims, according to the HLDI. The higher repair costs associated with M3 features can drive up claim severity and auto insurance premiums.
9. BMW 7 Series
Average annual cost of full coverage: $4,730
2026 BMW 7 Series starting MSRP: $100,850
Vehicle type: Large luxury sedan
The 7 Series provides the same luxury experience as the other BMWs on this list, but in a larger vehicle. But even though it’s more car, the 7 Series comes with standard air suspension, making for a smooth, comfortable ride.
Air suspensions, a key component in many luxury vehicles, are often costly to maintain and repair, according to suspension experts Strutmasters.[7] One crash could require mechanical repair, leak testing, ride-height calibration, or replacement of multiple components. That kind of specialized system, paired with the 7 Series’ substantially worse-than-average loss history for prior model years, can contribute to higher insurance premiums. Its collision loss history is 305% higher than average, according to the HLDI.
10. Mercedes-Benz AMG GT
Average annual cost of full coverage: $4,713
2026 Mercedes-Benz AMG GT starting MSRP: $106,500
Vehicle type: High-performance coupe
Nearly every feature of the AMG GT demonstrates why it’s expensive to insure. One Mercedes-Benz technician hand-assembles each AMG GT engine; every trim has a high-performance engine (with one reaching 805 horsepower), several have carbon-ceramic brakes, and the range-topping 2026 trim has an MSRP of $202,200. Plus, past model years have worse-than-average loss histories, which drive up claims risk and lead to higher premiums.
Mercedes-Benz’s excellent reputation for safety innovation may temper those higher rates. For example, forward-collision warning, automatic emergency braking, blind-spot monitoring, and even a 360-degree camera are all standard in the AMG GT.
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