Luxury Cars with the Highest Insurance Costs in the United States in 2026
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| Luxury Cars |
AutoReviewUS - Luxury cars offer extraordinary performance, advanced technology, premium materials, and prestige. But in the United States, that ownership experience can come with a surprisingly large insurance bill.
For some high-performance luxury vehicles, annual full-coverage insurance can exceed $6,000, while certain exotic cars can cost considerably more depending on the insurer, state, driver profile, and coverage limits.
Recent 2026 insurance data puts vehicles such as the BMW M8 Gran Coupe, BMW M5, Audi RS models, Porsche 911, Mercedes-AMG models, Maserati Quattroporte, and other high-performance luxury cars among the vehicles that can be particularly expensive to insure.
The reason is not simply that these cars have high sticker prices. Insurers also look at collision frequency, repair severity, replacement-part costs, theft exposure, horsepower, vehicle technology, historical insurance losses, and the cost of replacing a totaled vehicle.
The Insurance Information Institute and National Association of Insurance Commissioners both emphasize that the make and model of a vehicle can materially affect premiums. NAIC specifically notes that luxury and sports cars tend to generate higher claim frequencies.
This guide examines the luxury cars that can carry some of the highest insurance costs in America and explains what buyers should consider before purchasing one.
The Most Expensive Luxury Cars to Insure in 2026
There is no single universal ranking because insurance companies use different underwriting models and quotes vary by driver and location.
For example, Compare.com reports that the BMW M4 averages around $319 per month for full coverage in its latest data, while another 2026 analysis from CarInsurance.com places the BMW M8 Gran Coupe at approximately $6,744 per year, or about $562 per month.
Insurance.com, using its own quote methodology, ranks the Maserati Quattroporte at approximately $7,090 per year, followed by the Maserati Ghibli and several BMW and Audi performance models.
Examples of Luxury and Performance Cars With High Insurance Costs
| Vehicle | Approx. Annual Full-Coverage Cost* | Why Insurance Can Be Expensive |
|---|---|---|
| Maserati Quattroporte | ~$7,090 | High repair and replacement costs |
| BMW M8 Gran Coupe | ~$6,000–$6,700+ | High performance, expensive parts |
| BMW M5 | ~$6,500+ | Performance and repair severity |
| Maserati Ghibli | ~$6,300+ | Luxury components and repair costs |
| Audi RS7 | ~$5,700–$8,000+ | Performance and technology |
| Porsche 911 GT3 | ~$5,000+ | High performance and replacement costs |
| Mercedes-AMG GT | ~$5,000+ | Performance and expensive components |
| Mercedes-AMG G63 | ~$5,000+ | Luxury SUV, high replacement value |
| Porsche 911 Turbo | ~$5,000+ | Performance and repair costs |
| BMW i7 | ~$5,000–$6,000+ | EV technology and high vehicle value |
*These are illustrative industry estimates rather than guaranteed quotes. Actual premiums can differ substantially by state, driver, insurer, deductible, annual mileage, coverage limits, claims history, and other underwriting factors.
CarInsurance.com's 2026 analysis places the BMW M8 Gran Coupe at the top of its list at approximately $6,744 annually, followed by the BMW M5 Touring, BMW M5, BMW M8, and Audi e-tron GT.
1. BMW M8 Gran Coupe
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| BMW M8 Gran Coupe |
The BMW M8 Gran Coupe is one of the clearest examples of how luxury, performance, and insurance risk can intersect.
CarInsurance.com estimates average annual insurance costs of approximately $6,744 for the M8 Gran Coupe in 2026.
Why is the M8 expensive to insure?
The M8 combines:
High horsepower
High purchase value
Advanced electronics
Expensive body components
Performance-oriented tires and brakes
Sophisticated driver-assistance systems
Expensive replacement parts
Higher potential collision severity
From an insurance perspective, a minor crash can become expensive very quickly.
A damaged bumper on an ordinary sedan may involve relatively inexpensive components. On a high-end BMW, however, the same accident may involve sensors, cameras, radar systems, lighting assemblies, aluminum or composite components, calibration and specialized labor.
This is an increasingly important issue across the automotive market.
IIHS-HLDI reported in August 2026 that crash-avoidance technology can simultaneously reduce crashes while increasing repair costs because sensors and other advanced systems are expensive to replace.
Reader perspective
A common concern among luxury-car shoppers is that the purchase price is only the beginning. The real ownership cost includes insurance, tires, brakes, scheduled maintenance, depreciation and unexpected repairs.
For an M8 buyer, obtaining insurance quotes before purchasing the car is therefore much more important than simply comparing monthly financing payments.
2. BMW M5 and M5 Touring
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| BMW M5 and M5 Touring |
The BMW M5 is another vehicle where performance dramatically changes the insurance equation.
CarInsurance.com's 2026 data estimates approximately:
BMW M5 Touring: $6,708/year
BMW M5: $6,593/year
These figures place both among the most expensive new vehicles to insure in its analysis.
The M5 is particularly interesting because it looks like a luxury executive sedan but has the performance characteristics of a serious sports car.
That combination can create a higher insurance risk than a conventional BMW 5 Series.
Automotive analysis
The major insurance factors include:
Performance: More horsepower can translate into higher accident severity.
Vehicle value: A more expensive vehicle produces a larger potential comprehensive or collision claim.
Repair complexity: Advanced electronics and sophisticated mechanical components increase repair costs.
Tires and brakes: Performance-oriented components are generally more expensive than ordinary passenger-car components.
Driver profile: Performance vehicles can attract drivers who use their vehicles more aggressively.
NAIC specifically identifies make/model, vehicle use, driving history, geographic territory and other factors as important elements in auto insurance pricing.
3. Maserati Quattroporte
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| Maserati Quattroporte |
The Maserati Quattroporte deserves special attention because several 2026 insurance datasets place it near the top of the expensive-to-insure rankings.
Insurance.com estimates an average annual premium of approximately $7,090, or roughly $591 per month.
However, individual insurer quotes can be much higher. Insurance.com reports an Allstate example of approximately $10,737 per year for the Quattroporte in its rate dataset.
That difference illustrates an important point:
There is no universal "Maserati insurance price."
Two drivers with identical cars can receive dramatically different quotes.
Why can the Quattroporte be expensive?
The Quattroporte combines:
Luxury construction
High vehicle value
Specialized components
Performance-oriented hardware
Expensive replacement parts
Limited repair networks compared with mainstream vehicles
For an American buyer, the availability of qualified repair facilities is particularly important.
A luxury vehicle that requires specialized parts or technicians can generate higher claims severity.
4. Maserati Ghibli
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| Maserati Ghibli |
The Maserati Ghibli is another luxury sedan that frequently appears near the top of expensive-to-insure rankings.
Insurance.com lists an estimated average premium of approximately $6,386 per year.
The Ghibli demonstrates why vehicle price alone does not determine insurance costs.
A less expensive luxury vehicle can sometimes cost more to insure than a significantly more expensive vehicle if its historical claims, repair costs, theft exposure, or driver risk are worse.
5. Audi RS7
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| Audi RS7 |
The Audi RS7 combines luxury-car comfort with high-performance engineering.
Insurance.com estimates approximately $5,792 per year, while other datasets can produce considerably higher figures depending on the carrier and methodology.
The RS7 can be expensive to insure because it has:
High performance
Expensive components
Advanced electronics
High replacement value
Performance tires
Sophisticated suspension and braking systems
The vehicle also illustrates an important difference between safety technology and insurance cost.
A car can be extremely advanced from a safety perspective and still be expensive to insure.
6. Porsche 911 Turbo and 911 GT3
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| Porsche 911 Turbo and 911 GT3 |
Porsche 911 models are iconic among American performance-car enthusiasts.
However, the 911 Turbo and GT3 can carry substantial insurance costs.
CarInsurance.com estimates approximately:
Porsche 911 Turbo: $3,200 for six months
Porsche 911 GT3: $3,018 for six months
That translates to approximately $6,400 and $6,036 annually before considering individual policy differences.
Forbes Advisor's 2026 luxury-car analysis also places Porsche 911 variants among expensive luxury vehicles to insure.
Automotive analysis
The GT3 is particularly interesting because it is designed around performance.
Its ownership economics can be very different from a normal luxury sedan.
Potential insurance-cost drivers include:
High replacement value
Performance tires
Expensive brakes
Specialized components
Higher repair complexity
Potentially higher collision severity
For enthusiasts, this means the purchase decision should include an insurance quote, tire replacement budget and brake replacement budget.
7. Mercedes-AMG GT
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| Mercedes-AMG GT |
The Mercedes-AMG GT is another example of a luxury performance vehicle that can generate high insurance premiums.
CarInsurance.com estimates approximately $3,002 for six months, or about $6,004 annually.
Forbes Advisor's 2026 data puts the Mercedes-AMG GT at approximately $4,913 annually, demonstrating again how different datasets can produce different results.
The difference does not necessarily mean one dataset is "wrong."
Insurance pricing changes based on:
Driver profile
State
Coverage
Insurer
Deductible
Data period
Vehicle configuration
Claims history
This is why consumers should use published rankings as a screening tool rather than as a personal quote.
8. Mercedes-AMG G63
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| Mercedes-AMG G63 |
The Mercedes-AMG G63 combines SUV practicality with extremely high performance and luxury.
CarInsurance.com places the G63 at approximately $3,127 for six months, or around $6,254 annually.
Other datasets show different results.
The vehicle's insurance economics are influenced by its:
High purchase price
Powerful engine
Luxury interior
Expensive body components
High replacement cost
Advanced technology
Performance characteristics
For buyers considering a G63 as a daily driver, insurance can represent a significant percentage of the annual cost of ownership.
9. Audi e-tron GT
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| Audi e-tron GT |
Luxury EVs create another interesting category.
The Audi e-tron GT appears near the top of several 2026 expensive-to-insure rankings.
CarInsurance.com estimates the Audi e-tron GT at approximately $6,291 annually for its highest-cost configuration in the analysis.
Why can luxury EV insurance be expensive?
The issue is not necessarily the electric powertrain itself.
Potential insurance-cost drivers include:
Expensive battery systems
High vehicle value
Specialized repair procedures
Advanced sensors
High-voltage components
Aluminum and composite structures
Expensive electronics
Limited availability of specialized repair facilities
This is an important distinction for consumers.
EV does not automatically mean expensive insurance.
Rather, the combination of EV technology, vehicle value, repair complexity and claims history can influence premiums.
10. BMW i7
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| BMW i7 |
The BMW i7 is BMW's flagship electric luxury sedan and another vehicle that demonstrates how premium technology can influence insurance costs.
CarInsurance.com estimates approximately $3,046 for six months, or about $6,092 annually.
Insurance.com also lists a BMW i7 quote of approximately $6,335 annually in its carrier-specific dataset.
For buyers, the important question isn't simply:
"Is the i7 electric?"
A better question is:
"How expensive would it be to repair the vehicle after a collision?"
That is much closer to the economics insurers care about.
Why Are Luxury Cars So Expensive to Insure?
1. Higher Repair Costs
This is one of the most important factors.
The Bureau of Labor Statistics reported that motor-vehicle maintenance and repair prices were up 6.6% year over year in July 2026, while motor-vehicle repair prices increased 6.2%.
For luxury vehicles, the financial impact can be even greater because replacement parts and specialized labor are often more expensive.
A small collision can involve:
Radar sensors
Cameras
LED or laser lighting
Parking sensors
Aluminum panels
Carbon-fiber components
Air suspension
ADAS calibration
Specialized wheels
Performance brakes
The insurance company ultimately has to pay for covered losses, so higher claim severity can translate into higher premiums.
2. Higher Replacement Value
If a $30,000 vehicle is totaled, the insurer's potential payout is fundamentally different from a $150,000 luxury vehicle.
Comprehensive coverage can also become expensive because theft, vandalism, weather damage and other noncollision losses may result in larger claims.
IIHS-HLDI states that comprehensive losses tend to be highest among very large luxury vehicles because they are expensive to repair or replace.
3. Performance and Horsepower
Performance matters.
High-performance vehicles can have:
More horsepower
Higher acceleration
Higher top speeds
More expensive brakes
Specialized tires
Performance suspension
Insurers do not simply ask whether a car is fast.
They analyze historical loss experience associated with vehicle models and categories.
This is why a relatively expensive luxury sedan can sometimes have lower insurance costs than a cheaper sports car.
4. Theft Risk
Comprehensive insurance covers theft-related losses.
A vehicle with high theft frequency, expensive parts or attractive components can therefore generate higher comprehensive losses.
The National Insurance Crime Bureau and other industry organizations track vehicle theft trends, while insurers use their own claims data in underwriting.
Consumers should therefore check theft trends before buying a luxury vehicle, especially if the car will be parked outdoors.
5. Advanced Technology
Modern luxury vehicles are essentially computers on wheels.
A collision involving the front bumper can potentially damage:
Radar
Cameras
Parking sensors
Grille-mounted technology
Lighting
Wiring
Driver-assistance modules
IIHS-HLDI reported in 2026 that crash-avoidance systems can increase repair costs even while preventing crashes.
This creates an interesting insurance paradox:
Better technology can reduce accident frequency but increase the cost of repairing an accident.
6. Expensive Tires and Wheels
Luxury performance cars often use large wheels and specialized tires.
For example, replacing a set of performance tires can cost substantially more than replacing tires on an ordinary sedan.
The same applies to:
Carbon-ceramic brakes
Performance brake rotors
Lightweight wheels
Specialized suspension components
These expenses matter when insurers calculate the severity of physical-damage claims.
7. Specialized Repair Facilities
A mainstream vehicle may have thousands of repair facilities capable of servicing it.
An exotic or high-performance luxury vehicle may have a much smaller pool of qualified technicians.
This can increase:
Labor costs
Repair time
Parts logistics
Calibration costs
Rental-car expenses
These costs eventually become part of the insurance-loss equation.
Safety Does Not Always Mean Cheap Insurance
One of the most misunderstood aspects of luxury-car insurance is the relationship between safety and premiums.
A vehicle with excellent crash-test performance does not automatically receive cheap insurance.
IIHS evaluates both crashworthiness and crash avoidance/mitigation.
For 2026, for example, the Audi A6 received an IIHS Top Safety Pick+ designation in the large luxury-car category.
Yet a luxury vehicle can still have expensive insurance because insurance pricing incorporates much more than occupant protection.
The insurer is also concerned about:
How often does the vehicle generate claims?
How expensive are those claims?
How expensive is the vehicle to replace?
How expensive are its components?
Therefore:
A safe luxury car can still be an expensive car to insure.
What American Readers Should Look For Before Buying a Luxury Car
Based on the concerns commonly encountered by American luxury-car shoppers, the biggest mistake is focusing exclusively on the monthly car payment.
A better calculation is:
Total Annual Ownership Cost
Insurance + Fuel/Electricity + Maintenance + Tires + Repairs + Registration + Depreciation + Financing
For example, suppose a buyer purchases a high-performance luxury car with:
$2,000 monthly financing
$500 monthly insurance
$300 monthly fuel
$250 monthly maintenance reserve
The actual vehicle-related cash requirement is already approximately:
$3,050 per month
or:
$36,600 per year
And that excludes depreciation, registration, unexpected repairs and other expenses.
This is why insurance should be checked before signing the purchase agreement.
How to Reduce Insurance Costs on a Luxury Car
Luxury-car owners don't necessarily have to accept the first insurance quote.
1. Compare Multiple Insurers
The difference between insurers can be enormous.
For example, Insurance.com shows that a Maserati Quattroporte can have substantially different premiums depending on the carrier.
Never assume that your current insurer is automatically the cheapest option.
2. Increase the Deductible Carefully
A higher comprehensive or collision deductible can reduce premiums.
But the deductible should be an amount you can comfortably pay after an accident.
For a $150,000 vehicle, having a very high deductible without sufficient cash reserves can create a serious financial problem.
3. Maintain a Clean Driving Record
Your driving history is one of the most important factors insurers consider.
Avoid:
Speeding violations
DUI/DWI
At-fault accidents
Reckless driving
Frequent claims
A clean driving record can significantly improve the economics of owning a high-performance vehicle.
4. Ask About Anti-Theft Discounts
Luxury vehicles can benefit from:
Factory immobilizers
Tracking systems
Garage parking
Alarm systems
Approved anti-theft devices
Ask the insurer whether these features qualify for discounts.
5. Consider Low-Mileage Policies
If the vehicle is a weekend car rather than a daily commuter, ask insurers about low-mileage programs.
Reducing annual mileage can reduce exposure to accidents.
6. Consider Specialty Insurance for Exotic Cars
A conventional insurance policy may not always be the best fit for an exotic or collectible vehicle.
Owners of Ferrari, Lamborghini, McLaren, Bentley or similar vehicles should investigate specialty coverage options.
Important features can include:
Agreed-value coverage
Specialized repair networks
Roadside assistance
Limited-use policies
Higher liability limits
Original-equipment parts provisions
The right policy depends on how the vehicle is used.
Should You Buy a Luxury Car With Extremely High Insurance Costs?
The answer depends on your financial situation and how you use the vehicle.
It may make sense if:
You have substantial disposable income.
You can comfortably afford insurance.
You maintain an emergency repair fund.
You drive relatively few miles.
You understand depreciation.
You have access to a qualified repair facility.
You are buying the car for performance or enjoyment rather than simply transportation.
It may not make sense if:
Insurance consumes a large percentage of your income.
You are financing the vehicle with little cash reserve.
You cannot afford a major deductible.
You depend on the car for inexpensive daily transportation.
You have a poor driving record.
You live in an area with unusually high insurance rates.
The Most Important Financial Lesson
The biggest lesson from the 2026 luxury-car insurance market is simple:
The price you pay at the dealership is not the true cost of the vehicle.
A $100,000 luxury vehicle with relatively inexpensive insurance can potentially be cheaper to own than an $80,000 performance car with extremely high insurance and maintenance expenses.
The best buyer therefore evaluates the total cost of ownership, not just MSRP.
This is particularly important because U.S. vehicle repair costs remain elevated. BLS data showed motor-vehicle maintenance and repair prices rising 6.6% year over year in July 2026.
Final Ranking: Luxury Cars That Can Be Expensive to Insure
There is no single definitive national ranking because insurers use different models, but the following vehicles consistently illustrate the high-cost end of the market:
BMW M8 Gran Coupe
BMW M5 / M5 Touring
Maserati Quattroporte
Maserati Ghibli
Audi RS7
Audi RS6
Porsche 911 Turbo
Porsche 911 GT3
Mercedes-AMG GT
Mercedes-AMG G63
Audi e-tron GT
BMW i7
Mercedes-Benz S-Class
Mercedes-Maybach S-Class
Porsche Taycan
Different 2026 datasets produce different rankings. For example, CarInsurance.com places the BMW M8 Gran Coupe at the top, while Insurance.com places the Maserati Quattroporte first.
That difference is actually useful for consumers: there is no universal insurance price for a vehicle.
Frequently Asked Questions
What is the most expensive luxury car to insure in the USA?
It depends on the dataset and driver profile. In 2026, the BMW M8 Gran Coupe and Maserati Quattroporte are among the vehicles appearing at the top of major insurance-cost rankings. CarInsurance.com estimates about $6,744 annually for the BMW M8 Gran Coupe, while Insurance.com estimates approximately $7,090 for the Maserati Quattroporte.
Are BMWs expensive to insure?
Some BMWs are. High-performance M models such as the M8, M5 and M4 can be particularly expensive because of performance, repair costs, vehicle value and historical loss experience.
Is a Porsche 911 expensive to insure?
Yes, some Porsche 911 variants can be expensive to insure, particularly Turbo and GT3 models. However, the exact premium depends heavily on the driver, insurer, state and coverage.
Are luxury EVs expensive to insure?
Some are. Vehicles such as the Audi e-tron GT, BMW i7 and Porsche Taycan can have high premiums because they combine expensive vehicles with advanced electronic and electric systems.
Does a luxury car's safety rating reduce insurance costs?
Safety can help reduce certain losses, but it does not guarantee low premiums. Insurers also consider repair costs, theft, vehicle value, claim frequency, performance and many driver-specific factors.
How can I find out the insurance cost before buying?
Get quotes using the exact year, make, model and trim before purchasing the vehicle. Ideally, obtain quotes from several insurers using the same liability limits, comprehensive/collision deductibles and other coverage selections.
You can also check safety and recall information before purchase. NHTSA provides a VIN-based recall lookup for U.S. vehicles.
Bottom Line
Luxury cars with the highest insurance costs in the United States are usually not expensive for just one reason.
The combination of high vehicle value, performance, expensive parts, sophisticated electronics, repair complexity, theft exposure and historical insurance losses can push premiums dramatically higher.
For 2026, BMW M-series models, Maserati luxury cars, Audi RS vehicles, Porsche performance models and Mercedes-AMG products are particularly important examples.
For buyers, the smartest approach is not to ask:
"Can I afford the monthly car payment?"
Instead, ask:
"Can I comfortably afford the complete annual cost of owning this vehicle?"
That calculation should include insurance, maintenance, tires, repairs, fuel or electricity, financing, depreciation and unexpected expenses.
For an American luxury-car buyer, obtaining insurance quotes before buying the vehicle may be one of the most financially valuable steps in the entire purchasing process.
Primary Sources and Credible References
National Association of Insurance Commissioners (NAIC) — consumer information on auto-insurance rating factors and vehicle make/model.
Insurance Institute for Highway Safety / Highway Loss Data Institute (IIHS-HLDI) — vehicle safety testing and insurance-loss research.
National Highway Traffic Safety Administration (NHTSA) — recalls and vehicle safety information.
U.S. Bureau of Labor Statistics (BLS) — consumer-price data for motor-vehicle maintenance, repair and insurance.
Compare.com, Insurance.com and CarInsurance.com — 2026 consumer insurance-rate datasets used for comparative examples.
The key takeaway is straightforward: a luxury car may be affordable to buy but expensive to insure, repair and operate. Smart luxury-car ownership starts with calculating the entire cost—not just the sticker price.
About the Author
David Mulyana is the founder and editor of AutoReviewUS, an independent automotive publication dedicated to delivering reliable reviews, industry news, buying guides, and expert insights. His work focuses on cars, motorcycles, electric vehicles (EVs), automotive technology, maintenance, and market trends in the United States and around the world.
With a strong passion for the automotive industry and digital publishing, David creates content that helps readers make informed decisions when buying, maintaining, or comparing vehicles. Every article is researched using trusted manufacturer information, industry reports, and reputable automotive sources to ensure accuracy and relevance.
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