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Most Expensive Cars to Insure

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Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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nissan gt-r

A big chunk of your auto insurance premium is determined by what kind of car you drive, so we thought it’d be prudent to look at the “most expensive cars to insure.”

The geniuses at Forbes once again came up with the list, which is based on a 40-year old male driver who commutes 12 miles per day to work, has policy limits of $100,000 for injury liability for one person, $300,000 for total injuries, and $50,000 for property damage (learn more about auto insurance liability limits).

There is a $500 deductible for collision and comprehensive coverage, and the policy includes uninsured motorist coverage.

Keep in mind that these numbers must be taken with a grain of salt, because a number of factors contribute to how expensive or inexpensive your car insurance will be, aside from the value of the car itself (how are car insurance rates determined).

For example, your individual driving record may bump your rate considerably, as will your age and driving experience, and your location.

But all things being equal, let’s take a look at the most expensive cars to insure, by annual insurance premium, shall we:

1.    Nissan GT-R – $2,533
2.    Dodge Viper – $2,446
3.    BMW M6 – $2,236
4.    Ford Shelby GT500 – $2,186
5.    Mercedes-Benz G-Class – $2,088
6.     Audi S8 – $2,071
7.    BMW M5 – $2,020
8.    Hummer H2 – $1,912
9.    Lexus ISF – $1,881
10.    Porsche 911 – $1,819

(photo: mujitra)

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