Insuring a McLaren costs about $10,589 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the 570S (~$6,960/yr), the priciest the 720S (~$10,589/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 2 McLarens that baseline spans $6,960 to $10,589 a year.
McLaren insurance cost by model
Estimated annual premium for every McLaren model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 2 of them, from the 570S up to the 720S.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| 570S | $6,960/yr | 484% of avg | Pricey |
| 720S | $10,589/yr | 736% of avg | Pricey |
Cheapest McLarens to insure
The McLaren models that cost the least to insure at the US average.
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McLaren insurance cost by state — all 50
Where you live moves a McLaren premium as much as which model you pick. A typical McLaren (index 736) runs about $14,680/yr in Florida but only $6,819/yr in Maine — a swing of over $7,861 on the same car.
Estimated annual premium for a typical McLaren in every state, priciest first.
| State | Typical McLaren / yr | vs US average |
|---|---|---|
| Florida | $14,680/yr | +39% vs US |
| Louisiana | $14,574/yr | +38% vs US |
| New York | $13,962/yr | +32% vs US |
| District of Columbia | $13,390/yr | +26% vs US |
| Georgia | $12,859/yr | +21% vs US |
| Texas | $12,717/yr | +20% vs US |
| Rhode Island | $12,590/yr | +19% vs US |
| New Jersey | $12,467/yr | +18% vs US |
| Colorado | $12,190/yr | +15% vs US |
| Maryland | $11,799/yr | +11% vs US |
| Nevada | $11,785/yr | +11% vs US |
| Michigan | $11,577/yr | +9% vs US |
| Delaware | $11,556/yr | +9% vs US |
| South Carolina | $11,168/yr | +5% vs US |
| Connecticut | $11,108/yr | +5% vs US |
| Arizona | $11,076/yr | +5% vs US |
| California | $10,432/yr | -1% vs US |
| Massachusetts | $10,409/yr | -2% vs US |
| Mississippi | $10,269/yr | -3% vs US |
| Oklahoma | $9,755/yr | -8% vs US |
| Missouri | $9,740/yr | -8% vs US |
| New Mexico | $9,581/yr | -10% vs US |
| Arkansas | $9,548/yr | -10% vs US |
| Utah | $9,460/yr | -11% vs US |
| Pennsylvania | $9,378/yr | -11% vs US |
| Alabama | $9,343/yr | -12% vs US |
| Oregon | $9,341/yr | -12% vs US |
| Alaska | $9,297/yr | -12% vs US |
| Illinois | $9,254/yr | -13% vs US |
| Virginia | $9,118/yr | -14% vs US |
| Washington | $9,092/yr | -14% vs US |
| West Virginia | $9,038/yr | -15% vs US |
| Minnesota | $9,009/yr | -15% vs US |
| Tennessee | $8,923/yr | -16% vs US |
| Kentucky | $8,898/yr | -16% vs US |
| Nebraska | $8,717/yr | -18% vs US |
| Montana | $8,717/yr | -18% vs US |
| Kansas | $8,702/yr | -18% vs US |
| Wyoming | $8,691/yr | -18% vs US |
| South Dakota | $8,524/yr | -20% vs US |
| North Carolina | $8,075/yr | -24% vs US |
| Ohio | $7,641/yr | -28% vs US |
| New Hampshire | $7,600/yr | -28% vs US |
| Indiana | $7,599/yr | -28% vs US |
| Iowa | $7,434/yr | -30% vs US |
| Wisconsin | $7,366/yr | -30% vs US |
| Hawaii | $7,350/yr | -31% vs US |
| Idaho | $7,225/yr | -32% vs US |
| North Dakota | $7,079/yr | -33% vs US |
| Vermont | $7,053/yr | -33% vs US |
| Maine | $6,819/yr | -36% vs US |
Estimate a specific McLaren model in your state →
McLaren insurance cost by year
A typical McLaren costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical McLaren premium by year (US average):
| Year | Typical McLaren / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every McLaren figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
McLaren insurance — frequently asked
Is McLaren expensive to insure?
McLaren is above average — pricier than most brands to insure — a typical model runs about $10,589/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $6,960 to $10,589.
What is the cheapest McLaren to insure?
The 570S is the cheapest McLaren to insure in our data — around $6,960/yr at the national average, about -384% below a typical car.
What is the most expensive McLaren to insure?
The 720S is the priciest McLaren to insure — roughly $10,589/yr, about 636% above the average car.
How much is insurance on a McLaren per month?
A typical McLaren costs about $882/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest McLaren runs about $580/month, the priciest $882.
How is this McLaren estimate calculated?
We combine each McLaren model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.