Most expensive luxury cars to insure
The most expensive luxury cars to insure share a clear profile: high power, costly repairs and higher theft or injury losses. On our data the Bentley Continental is priciest — about $9,988/yr at the US average, roughly 595% 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
Continental
priciest ($9,988/yr)
PER YEAR
$9,988
priciest est. premium
GROUP AVG
$2,286
average for these luxury cars
RANKED
174
luxury cars with real data
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Most expensive Luxury 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
| # | Vehicle | Est. premium | vs average | Verdict |
|---|---|---|---|---|
| 1 | Bentley Continental | $9,988/yr | 695% of avg | Pricey |
| 2 | BMW i8 | $8,865/yr | 617% of avg | Pricey |
| 3 | Bentley Flying Spur | $7,711/yr | 536% of avg | Pricey |
| 4 | BMW 850i | $5,298/yr | 368% of avg | Pricey |
| 5 | Maserati Quattroporte | $5,135/yr | 357% of avg | Pricey |
| 6 | BMW M760i | $5,039/yr | 350% of avg | Pricey |
| 7 | BMW M6 | $5,003/yr | 348% of avg | Pricey |
| 8 | BMW 740Li | $4,458/yr | 310% of avg | Pricey |
| 9 | BMW 740i | $4,458/yr | 310% of avg | Pricey |
| 10 | BMW 750Li | $4,458/yr | 310% of avg | Pricey |
| 11 | BMW 750e | $4,458/yr | 310% of avg | Pricey |
| 12 | BMW 750i | $4,458/yr | 310% of avg | Pricey |
| 13 | BMW 760Li | $4,458/yr | 310% of avg | Pricey |
| 14 | BMW 760i | $4,458/yr | 310% of avg | Pricey |
| 15 | BMW M8 | $4,380/yr | 305% of avg | Pricey |
| 16 | BMW 640i | $4,189/yr | 291% of avg | Pricey |
| 17 | BMW 650i | $4,189/yr | 291% of avg | Pricey |
| 18 | Audi S8 | $4,123/yr | 287% of avg | Pricey |
| 19 | Lucid Air | $4,013/yr | 279% of avg | Pricey |
| 20 | Audi RS 7 | $3,693/yr | 257% of avg | Pricey |
| 21 | BMW M5 | $3,658/yr | 254% of avg | Pricey |
| 22 | Maserati Ghibli | $3,479/yr | 242% of avg | Pricey |
| 23 | Mercedes-Benz S-Class | $3,375/yr | 235% of avg | Pricey |
| 24 | BMW i7 | $3,359/yr | 234% of avg | Pricey |
| 25 | BMW M3 | $3,230/yr | 225% of avg | Pricey |
| 26 | Kia K900 | $3,214/yr | 224% of avg | Pricey |
| 27 | Audi A8 L | $3,169/yr | 220% of avg | Pricey |
| 28 | Audi RS 5 | $3,169/yr | 220% of avg | Pricey |
| 29 | Audi A8 | $3,154/yr | 219% of avg | Pricey |
| 30 | Audi S7 | $3,131/yr | 218% of avg | Pricey |
ROWS 30·SOURCE HLDI × NAIC
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Top 15 priciest luxury cars to insure
Estimated annual premium at the US average — the most expensive luxury cars to insure.
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What makes a luxury 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 luxury 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 Luxury Cars to Insure — FAQ
What is the most expensive luxury car to insure?
The Bentley Continental is the most expensive luxury car to insure in our data — about $9,988/yr at the US average, roughly 595% above a typical car.
How is this ranking calculated?
We rank luxury 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 luxury cars cheaper to insure than other cars?
The luxury 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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