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Most Expensive Sports Cars to Insure

The most expensive sports cars to insure, ranked from real HLDI insurance-loss data — the McLaren 720S is priciest at about $10,589/yr. 48 sports cars ranked, not a quote form.

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

The most expensive sports 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
$3,710
average for these sports cars
RANKED
48
sports cars with real data
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Most expensive Sports 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
2Ferrari 458 Italia$9,419/yr655% of avgPricey
3Aston Martin Vantage$8,281/yr576% of avgPricey
4Lamborghini Huracan$8,244/yr573% of avgPricey
5McLaren 570S$6,960/yr484% of avgPricey
6Audi R8$6,877/yr478% of avgPricey
7Ferrari Roma$6,705/yr466% of avgPricey
8Maserati Granturismo$6,547/yr455% of avgPricey
9Ferrari F8 Tributo$6,064/yr422% of avgPricey
10Ferrari 488 GTB$5,922/yr412% of avgPricey
11Nissan GT-R$5,906/yr411% of avgPricey
12Lotus Elise$5,417/yr377% of avgPricey
13Audi RS e-tron GT$5,375/yr374% of avgPricey
14Acura NSX$4,937/yr343% of avgPricey
15Mercedes-Benz AMG GT$4,770/yr332% of avgPricey
16Ferrari California T$4,679/yr325% of avgPricey
17Ferrari Portofino$4,570/yr318% of avgPricey
18Dodge Viper$4,070/yr283% of avgPricey
19Ferrari California$4,012/yr279% of avgPricey
20Porsche Panamera$3,532/yr246% of avgPricey
21Chevrolet Camaro$3,424/yr238% of avgPricey
22Audi TTS$2,783/yr194% of avgPricey
23Ferrari F430$2,747/yr191% of avgPricey
24Alfa Romeo 4C$2,725/yr190% of avgPricey
25Mercedes-Benz SL-Class$2,712/yr189% of avgPricey
26Aston Martin DB9$2,642/yr184% of avgPricey
27Honda S2000$2,330/yr162% of avgPricey
28Audi e-tron GT$2,325/yr162% of avgPricey
29Audi TT RS$2,261/yr157% of avgPricey
30Mercedes-Benz SLC-Class$2,235/yr155% of avgPricey
ROWS 30·SOURCE HLDI × NAIC
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Top 15 priciest sports cars to insure

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

FIG.02
01
McLaren 720S736% of avg$10,589
02
Ferrari 458 Italia655% of avg$9,419
03
Aston Martin Vantage576% of avg$8,281
04
Lamborghini Huracan573% of avg$8,244
05
McLaren 570S484% of avg$6,960
06
Audi R8478% of avg$6,877
07
Ferrari Roma466% of avg$6,705
08
Maserati Granturismo455% of avg$6,547
09
Ferrari F8 Tributo422% of avg$6,064
10
Ferrari 488 GTB412% of avg$5,922
11
Nissan GT-R411% of avg$5,906
12
Lotus Elise377% of avg$5,417
13
Audi RS e-tron GT374% of avg$5,375
14
Acura NSX343% of avg$4,937
15
Mercedes-Benz AMG GT332% of avg$4,770
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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What makes a sports 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 sports 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 Sports Cars to Insure — FAQ

What is the most expensive sports car to insure?
The McLaren 720S is the most expensive sports 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 sports 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 sports cars cheaper to insure than other cars?
The sports 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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