Top 10 Most Expensive Cars to Insure in 2019

by | Apr 3, 2019 | Auto & Home

We recently published a blog post featuring the Top 10 Cheapest Cars to Insure in 2019, and due to its popularity, we decided to post an article featuring the most expensive cars to cover. We think you might be surprised at the findings!  Keep in mind, this is not a list of “supercars,” but based on somewhat more realistic auto purchases.

For example, insurance costs for a Bugatti Veyron will run you about $50,000 per year. Being that the median household income in the U.S. is approximately $60,000 per year, that would be a bit unrealistic, to say the least! Interestingly enough, certain vehicles are historically associated with high insurance prices, and some of the results are rather surprising.

Without further ado, this is our list of The Top 10 Most Expensive Cars to Insure in 2019. (Prices are based on annual rates and individuals with a good driving record).

Mercedes-Benz AMG-GT-S

10: Mercedes-Benz AMG GT S: $3,500

With an average car insurance price of around $3,500, the Mercedes-Benz AMG GT is one of the top 10 most expensive cars in America to insure in 2019. The car is prized for its 515 horsepower and 4.0L AMG V8 biturbo engine, but many drivers will get sticker shock when they see the cost of car insurance. Fortunately, most drivers don’t spend $132,000 on a vehicle and expect to get a great deal on car insurance.


9: BMW i8: $3,560

The BMW i8 is a plug-in hybrid sports car that strongly resembles the BMW M1 Homage concept car. The car is also one of the most expensive vehicles in America to insure. Again, with an MSRP of $150,000, you may not have been expecting to get a great deal on your i8’s car insurance. Still, with an average annual premium of around $3,550, the BMW i8 is one of the most expensive cars to insure in the United States..


8: Audi R8: $3,580

The Audi R8 is a popular two-seater sportscar made since 2006. The 2018 and 2019 Audi R8 models are among the most expensive cars in the country to insure. With an MSRP of around $164,900, the high insurance prices are to be expected. In fact, the base model of the R8 has the highest starting price among luxury sportscars, costing tens of thousands of dollars more than many of its in-class rivals. Of course, some drivers are willing to pay the premium for going 0 to 60 miles per hour in 3.3 seconds.

BMW Alpina B7-XDrive

7. BMW Alpina B7 XDrive: $3,585

You’ll notice certain car manufacturers tend to appear on this list more often than others. BMW and Mercedes-Benz frequently appear on the list of the most expensive cars in America to insure. The Alpina B7 XDrive starts life as a BMW 750i with 445 horsepower and 480 pound-feet of torque coming from the 4.4 liter twin-turbocharged V8 engine.

BMW-M6 Gran Coup

6: BMW M6 Gran Coup: $3,590

With similar insurance premiums to the Alpina B7 XDrive, the M6 Gran Coup has pricey insurance that matches its $119,900 MSRP on the 2019 model. Many M6 Gran Coup drivers, however, are willing to pay a premium for a luxury sedan with exceptional power, a comfortable interior, and a more elegant experience than the M5 on which it’s based.

Porsche Panamera-S

5: Porsche Panamera S: $3,590

With an MSRP of $129,180, the Porsche Panamera is a speedy four-seater that combines the performance of a supercar with the features of a luxury vehicle. You might not get the same handling as a similarly-priced sportscar, but it’s a luxurious experience for drivers and passengers alike. However, this experience is going to cost you at your insurance company: expect to pay an average of around $3,600 to insure your Porsche Panamera S in 2019.

Mercedes-Maybach S650

4: Mercedes-Maybach S650: $3,700

The Mercedes-Maybach S650 is a luxury sedan with an MXRP of $198,700. The 621 horsepower engine can take you from 0 to 60 miles per hour in 4.6 seconds. The 2018 model was prized for its handcrafted 6.0L V12 biturbo engine, ECO start/stop system, and 7G-TRONIC automatic transmission. As you might expect, the Mercedes-Maybach S650 is one of the most expensive cars in the United States to insure, with an average insurance price of around $3,700.

Mercedes S63-AMG

3: Mercedes S63 AMG: $3,800

The top of our list is dominated by two Mercedes sedans, including the S63 and S65, both of which are infamous for their lofty insurance prices. Both vehicles have catapult-like acceleration powered by a long racing legacy. The 2019 Mercedes S63 has an MXRP of $168,000, so the high insurance prices aren’t a total shock. However, the only major vehicle with higher insurance prices than the S63 is its close relative, the S65.

Nissan GT-R Nismo

2: Nissan GT-R Nismo: $3,850

Nissan’s GT-R NISMO is a 600 horsepower vehicle sold in limited numbers across North America in 2018. Today, the car remains one of the most expensive cars in the United States to insure – which isn’t surprising given its $175,000 price tag. Billed as the most expensive Nissan ever sold, the GT-R NISMO is prized for its excellent acceleration, handling, and braking, but you’ll pay a hefty car insurance premium.

Mercedes S65-AMG

1: Mercedes S65 AMG: $3,900

The S65 is significantly more powerful than the S63. The 2018 model had an MXRP of $229,500, and the 2019 model comes with a similar price tag. With a 621 horsepower engine inside, you can expect to pay as much as $4,000 per year for insurance on your Mercedes-Benz AMG S65. Drivers willing to absorb the high insurance premiums can enjoy benefits like a handcrafted AMG 6.0L V12 biturbo engine, the EO start/stop system, and the 7G-TRONIC 7-speed automatic transmission with shift paddles.

Article References:  Forbes,, USA Today, Edmunds, NerdWallet

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