What car is most expensive to insure?


Editorial team Published on

The Maserati Quattroporte is the most expensive car to insure in 2026, with an average full-coverage annual premium of $7,090.

Top Most Expensive Cars to Insure

  • Maserati Quattroporte: $7,090 per year ($591/month)
  • BMW M8 Gran Coupe: $6,744 per year ($562/month)
  • BMW M5 Touring: $6,708 per year ($559/month)
  • BMW M5: $6,593 per year ($550/month)
  • Maserati Ghibli: $6,386 per year ($532/month)
  • Nissan GT-R: $6,215 per year ($518/month)

Most Expensive Insurance Brands

  • Dodge: $4,242 average annual premium
  • Lexus: $3,747 average annual premium
  • Tesla: $3,248 average annual premium

Why These Cars Cost More

  • High repair costs: Luxury and high-performance cars require specialized parts and certified technicians.
  • Speed and power: High horsepower increases the statistical risk of severe accidents.
  • Theft rates: Certain sports cars and high-end luxury models have higher target profiles for theft.