The premium charges often vary from one car to another. Some cars are far more expensive to insure than others. Although your insurer will consider the buying price of your car while calculating premiums, it’s only relevant to a lesser extent.
For instance, someone owning a more expensive car might be paying less in premiums than you. On the other hand, you can decide to go for a cheaper car than the one you have, but end up paying more insurance. Here are the most expensive cars to insure. For car insurance, click here.
BMW M760i xDrive
The BMW M is among the top ten most expensive cars to insure. The car has an incredibly high performance and power, and it’s mostly built for aggressive drivers. Its power and luxury nature are factors that insurance providers find costly to replace in case you damage the car. That’s why you’ll pay more in premiums if you own a BMW M760i xDrive.
Audi R8 5.2L V10 SPYDER Quattro
Audi R8 perfectly fits our list for the most expensive cars to insure, costing $4,568 annual premiums. In addition, it costs more than $211,000 in the purchase, has a 602 HP engine, and can drive up to 205mph. The convertible has an aluminum body structure that is very expensive to repair. Also, insurers consider convertibles easy to vandalize or steal because their roof is hardly solid enough to offer the needed protection.
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Maserati Levante GTS
The Maserati Levante GTS costs $3,803 annually in premiums. The GTS has a powerful twin-turbo 3.8-liter V-8 and provides a relatively impressive interior quality. Its driving experience is considered by most as exotic. Most of the car parts are expensive to replace, while the car often attracts aggressive drivers. When calculating premiums, insurers factored in such factors, making the car among the most expensive to insure.
Mercedes-AMG GT costs $4,130 annually in premiums. It’s coupled with a high-power twin-turbo V-8, show-stopping styling, and a high-performance luxury sports car. The car has a superb built quality from the interiors, its materials contributing to the car’s high sticker price. These car models range from $131,695 to $201,000 in the sticker price.
The Porsche 911 costs $3,734 annually in premiums. It’s almost a flawless car packed with twin-turbo flat-six engines that can make 379-473 horsepower. The car is relatively expensive, and if you’re among the few enthusiasts, you enjoy its highly versatile two-plus-two-seater. Its parts are more costly to repair, and the car replacement cost for the insurer is relatively high. That fits it as an expensive-to-insure automobile.
Mercedes Benz S-Class
Mercedes Benz S-Class costs $3,742 annual premiums and is among the most expensive to insure cars. It comes with high-end features from engine transmission and performance to interior comfort, boosting its purchasing and maintaining costs. It is unique in its driver-assistant technology, such as self-parking and collision-prevention capabilities.
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Nissan GT-R COST $4,064 annual premiums, making it among the most expensive cars to insure. The GT-R has exceptional accelerating capabilities and packs a pretty lithe driving demeanor. Although it’s hard to tell with a single look, the car packs up to 600 horsepower, giving it the much-admired power and smooth handling nature. Its high-end design and unique parts translate to an overwhelmingly high charge in insurance.
Tesla Model S
Tesla Model S costs $3,620 annual premiums. It’s among the high-end makes and fastest cars existing. Its readily noticeable features are its 1020-hp plaid version, all-wheel drive with dedicated electric motors, and various versions. It can run from zero to 60 mph in just 2.4s, given its immediate power delivery. These, among other factors, make the Tesla Model S an expensive car—both in purchasing costs and premiums.
BMW i8 costs $4,372 in annual premiums. The i8 is a hybrid sports car with outstanding features. It packs an all-wheel drive, has heated front seats, leather upholstery, a Kardon sound system, and the list goes. But what makes the i8 stand out most is the engine transmission capabilities. It has two electric motors capable of producing 369 horsepower. It often attracts aggressive drivers. And from an insurer’s standpoint, this can boost chances for damages. Nevertheless, its parts are expensive to replace.
Maserati Ghibli costs $4,018 in annual premiums. The car has a great—eye-catching—design and packs a gutsy twin-turbo engine. Its twin-turbo can produce up to 345 horsepower. What’s more, its driving thrill beats most of its rivals. The car has a seemingly high starting price, with most mid-sized sedans going for $55,000. Its pricing and outstanding features account for high annual premiums, placing it among the most expensive cars to insure.