In this guide, we’ll explore the most expensive cars to insure in 2025 and explain the factors driving up their insurance rates. Whether you’re in the market for a new car or just curious, understanding which vehicles are the priciest to insure can help you find the best car insurance at the lowest price.
What Makes Certain Cars Expensive to Insure?
Insurance companies charge different rates for specific vehicle makes and models. Rates are largely based on how risky the vehicle is to insure. Here are some of the primary factors that can lead to high insurance premiums on some cars:
Value: Cars with a high replacement value usually cost more to insure than ones with a low value. That’s why it typically costs more to insure a brand-new car than a used car that has already depreciated and lost value.
Repair costs: Insurance companies charge higher insurance premiums for cars with high repair costs. If your car is damaged in a covered claim and needs to be fixed or replaced, the insurer will have to provide a higher payout. To offset the risk of potential claims, insurance companies charge higher rates.
Performance: If you drive a high-performance vehicle, insurance companies might assume that you’ll speed or drive aggressively, which increases the risk of an accident. High-performance car insurance premiums are usually more expensive because of the higher likelihood of a claim.
Theft risk: Cars with high theft rates cost more to insure. If your vehicle gets stolen, your insurance company will have to provide a payout (if you carry comprehensive insurance), which exposes the carrier to financial risk.
The Most Expensive Cars to Insure in 2025
Based on industry data and insurance premium analysis, the following vehicles have the highest insurance premiums in 2025, with rates significantly above the US national average of $1,061 per year (Insurance Information Institute).
| Vehicle | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Maserati Quattroporte | $5,024 | $418 |
| Audi R8 | $4,568 | $380 |
| BMW i8 | $4,372 | $364 |
| Mercedes-AMG GT | $4,130 | $344 |
| Nissan GT-R | $4,064 | $338 |
| Maserati Ghibli | $4,018 | $334 |
| Mercedes-Benz S-Class | $3,742 | $311 |
| Porsche 911 | $3,734 | $311 |
| Tesla Model S | $3,620 | $301 |
| BMW 7-Series | $3,522 | $293 |
Note: Insurance rates are based on industry averages for a standard policy with comprehensive and collision coverage. Individual rates may vary based on location, driving history, and other factors.
Luxury Cars That Are Expensive to Insure
Some of the most expensive luxury cars to insure in 2025 are the BMW 7-Series and Mercedes-Benz S-Class. These cars have some of the priciest insurance premiums because of their high repair costs and expensive parts.
If you drive a luxury car and it gets damaged in a collision or other claim, the cost of repairing the car can be very expensive. Certain parts might need to be shipped from overseas, and the shop might have to use original equipment manufacturer (OEM) parts, which have a higher price tag than aftermarket versions.
Your insurance company has to provide much larger settlements if you file a physical damage claim on a luxury vehicle. To avoid losing money, the insurance carrier charges more expensive car insurance rates for these models.
Sports Cars and High-Performance Vehicles
If you drive a sports car, like a Porsche 911, Nissan GT-R, or Audi R8, you can expect to face high insurance premiums. High-performance vehicles often have expensive auto insurance rates because of their speed and increased accident risk.
From an insurance company’s perspective, people who drive a sports car are more likely to be thrill seekers. These cars are designed to be driven fast and have quick accelerations. The Audi R8, for example, can go from 0 to 60mph in just over three seconds. When you’re driving fast, accidents are more likely, and so is the risk of an insurance claim.
Insurance companies also charge higher premiums for sports cars because they’re expensive to fix. Like luxury cars, sports cars often have specialty parts that must be imported. Not to mention, totaling your sports car would put a massive financial burden on your car insurance company.
Insurance Costs for Electric and Hybrid Cars
Hybrid and electric vehicles (EVs) usually have higher insurance premiums than their gas-powered counterparts. If you drive a Tesla Model S, for example, your insurance premium will probably be higher than if you owned a gas-powered vehicle with a similar value.
EVs and hybrids are equipped with specialized parts that can be expensive to repair and replace. And for EVs in particular, not all mechanics can work on them. You might have to take your EV to a shop that is qualified to repair them, and they might charge more for labor.
A recent report from Mitchell, a collision repair management software company, found that the average repair cost for a Tesla was $5,552 in Q3 of 2023. During the same period, the average cost for non-Tesla EVs was $4,474, and the average for gas-powered cars was $4,205.
While car insurance for electric vehicles and hybrids tends to be more expensive, the cost of your insurance will depend on the specific make and model you have. For example, you will likely pay a much higher premium on a Tesla Model S versus a Toyota Prius.
Comparing Expensive and Affordable Cars to Insure
If you’re shopping for a new car, the sticker price is probably one of your biggest considerations. However, it’s also important to compare some of the cheapest cars to insure vs. expensive cars for insurance. Choosing a car that’s more affordable to insure can help you manage your car ownership costs.
The Honda CR-V is one of the cheapest vehicles to insure, with an average annual insurance cost of $1,249. Other popular Honda models, like the HR-V and Pilot, also stand out for having affordable rates. These vehicles have lower repair costs and value than high-end sports cars or luxury models.
Other vehicles with affordable insurance premiums include the Subaru Forester, Mazda CX-5, and Ford Escape. These models feature standard parts that are readily available and cost-effective to replace, without the high-performance components found in luxury vehicles. Their moderate Manufacturer's Suggested Retail Prices (MSRPs) also mean lower potential payouts for insurers, resulting in reduced premiums for owners.
Not only are these cars cheaper to repair, but they’re also equipped with advanced safety features that some high-end models lack, like pre-collision braking, lane departure warnings, and automatic emergency steering.
Insurance companies often charge lower premiums for vehicles with safety technology. You might also qualify for a discount if your car has these safety features or an anti-theft device.
Tips for Reducing Insurance Costs on Expensive Cars
If you want an affordable car insurance premium, choosing the right car is essential. But if you have an expensive car and want to reduce your insurance costs, there are a few things you can do. Here are some tips for getting a lower car insurance premium:
1. Drive safely: Drivers with a clean record, free of accidents, tickets, and claims, usually pay the lowest car insurance premiums because they’re the least risky to insure. Many insurance companies also offer a safe driver discount for customers who haven’t had an at-fault accident or traffic violation within the last few years.
2. Improve your credit score: In most states, car insurance companies consider your credit-based insurance score when you apply for an auto policy. Drivers with strong credit scores typically pay the lowest rates, so improving your score could help you lock in a cheaper premium.
3. Look for discounts: The best car insurance companies offer a good selection of driver discounts. You can often find savings for safe drivers, good students, taking a defensive driving course, paying your annual premium in full, and enrolling in autopay. Many insurers also offer a telematics-based programs that monitor driving habits. Safe driving behaviors can lead to substantial discounts, sometimes up to 40%
4. Choose a higher deductible: For car insurance policies that require a deductible, like collision insurance and comprehensive insurance, selecting a higher deductible can reduce your monthly premium. But before you raise your deductibles, make sure you can afford to pay a higher amount out-of-pocket in the event of a claim.
5. Bundle your policies: If you have an expensive vehicle, one of the best ways to save money on car insurance is to bundle your policies. Purchasing multiple insurance policies from the same carrier, like auto insurance with homeowners or renters insurance, can often lead to significant savings.
6. Install an anti-theft device: Vehicles with high theft rates are more expensive to insure. However, you might be able to reduce your car insurance premium by installing an anti-theft device. Ask your car insurance provider if it offers an anti-theft device discount and how much it could help you save.
7. Shop around: The cost of car insurance is different for every driver, and your vehicle is just one factor that impacts your rate. It’s a good idea to shop around and compare personalized quotes from several insurance companies. Comparing quotes will help you find the best policy at the most affordable price.
Bottom Line
The type of vehicle you drive can have a big impact on the cost of your car insurance. Luxury car insurance premiums and sports car insurance premiums tend to be much higher than rates for economy cars. And while an electric vehicle or hybrid can help you save on gas, they tend to cost more to insure than gas-powered models.
The main reason why car insurance companies charge higher rates for certain vehicles is risk. If you drive a car that’s expensive to repair, has a very high value, or is often targeted by theft, you can expect to pay a higher rate for your coverage. Understanding these factors can help you make the best decisions when purchasing a vehicle and getting insurance.
