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Most Expensive Cars to Insure

The most expensive cars to insure, ranked from real HLDI insurance-loss data — the McLaren 720S is priciest at about $10,589/yr. 645 cars ranked, not a quote form.

By ForCar Research · Loss data HLDI · Premiums NAIC
Most expensive cars to insure

The most expensive cars to insure share a clear profile: high power, costly repairs and higher theft or injury losses. On our data the McLaren 720S is priciest — about $10,589/yr at the US average, roughly 636% above a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.

PRICIEST
720S
priciest ($10,589/yr)
PER YEAR
$10,589
priciest est. premium
GROUP AVG
$1,927
average for these cars
RANKED
645
cars with real data
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Most expensive Cars to insure — full ranking

Estimated annual premium at the US average, priciest first — real HLDI insurance-loss index. Click a model for its full page.

FIG.01
#VehicleEst. premiumvs averageVerdict
1McLaren 720S$10,589/yr736% of avgPricey
2Bentley Continental$9,988/yr695% of avgPricey
3Ferrari 458 Italia$9,419/yr655% of avgPricey
4BMW i8$8,865/yr617% of avgPricey
5Aston Martin DBX$8,468/yr589% of avgPricey
6Aston Martin Vantage$8,281/yr576% of avgPricey
7Lamborghini Huracan$8,244/yr573% of avgPricey
8Bentley Flying Spur$7,711/yr536% of avgPricey
9McLaren 570S$6,960/yr484% of avgPricey
10Audi R8$6,877/yr478% of avgPricey
11Ferrari Roma$6,705/yr466% of avgPricey
12Maserati Granturismo$6,547/yr455% of avgPricey
13Bentley Bentayga$6,392/yr445% of avgPricey
14BMW Alpina$6,307/yr439% of avgPricey
15Ferrari F8 Tributo$6,064/yr422% of avgPricey
16Ferrari 488 GTB$5,922/yr412% of avgPricey
17Nissan GT-R$5,906/yr411% of avgPricey
18Lamborghini URUS$5,500/yr383% of avgPricey
19Lotus Elise$5,417/yr377% of avgPricey
20Audi RS e-tron GT$5,375/yr374% of avgPricey
21BMW 850i$5,298/yr368% of avgPricey
22Maserati Quattroporte$5,135/yr357% of avgPricey
23BMW M760i$5,039/yr350% of avgPricey
24BMW XM$5,004/yr348% of avgPricey
25BMW M6$5,003/yr348% of avgPricey
26Acura NSX$4,937/yr343% of avgPricey
27Mercedes-Benz AMG GT$4,770/yr332% of avgPricey
28Ferrari California T$4,679/yr325% of avgPricey
29Dodge Charger$4,627/yr322% of avgPricey
30Ferrari Portofino$4,570/yr318% of avgPricey
ROWS 30·SOURCE HLDI × NAIC
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Top 15 priciest cars to insure

Estimated annual premium at the US average — the most expensive cars to insure.

FIG.02
01
McLaren 720S736% of avg$10,589
02
Bentley Continental695% of avg$9,988
03
Ferrari 458 Italia655% of avg$9,419
04
BMW i8617% of avg$8,865
05
Aston Martin DBX589% of avg$8,468
06
Aston Martin Vantage576% of avg$8,281
07
Lamborghini Huracan573% of avg$8,244
08
Bentley Flying Spur536% of avg$7,711
09
McLaren 570S484% of avg$6,960
10
Audi R8478% of avg$6,877
11
Ferrari Roma466% of avg$6,705
12
Maserati Granturismo455% of avg$6,547
13
Bentley Bentayga445% of avg$6,392
14
BMW Alpina439% of avg$6,307
15
Ferrari F8 Tributo422% of avg$6,064
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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What makes a car expensive to insure

Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:

Repair costExpensive parts, aluminium bodies and complex tech make repairs costly.
Theft rateFrequently-stolen models drive comprehensive claims up.
Power & speedHigh horsepower means more, and more severe, crashes.
SafetyCars driven fast or with weak occupant protection cost more.
Who drives itFamily-oriented cars are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.

Check any car in your state

This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.

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Most Expensive Cars to Insure — FAQ

What is the most expensive car to insure?
The McLaren 720S is the most expensive car to insure in our data — about $10,589/yr at the US average, roughly 636% above a typical car.
How is this ranking calculated?
We rank cars by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.
Are cars cheaper to insure than other cars?
The cars here run above the average car — high power, repair cost and theft push their premiums up.
Does the state I live in change this?
Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.
Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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