Insurance premiums vary enormously by model, and the vehicles at the top of the cost tables often surprise buyers who focused only on the purchase price. Three separate rankings, from CarEdge, Insurance.com and Compare.com, point to the same cluster of luxury, performance and electric cars. The sections below walk through twelve models and the annual premium each one commands.
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1. BMW i7: Top Of The Table
The electric flagship sedan carries an average full-coverage premium of $8,702 a year, the highest figure among the 225 models CarEdge ranked. That places it at the very bottom of the affordability list and at the top of this one.
CarEdge based the number on a 40-year-old good driver covering 13,000 miles annually, so real quotes will move with driving record, location and mileage. Still, the gap between this sedan and the rest of the field makes it a fitting opener for a list built around insurance cost.
2. Bentley Continental GT: Coupe Cost Premium
The British grand tourer lands second in the same ranking, with an average premium of $7,613 a year. That is well above what most drivers spend on insurance for an entire family of vehicles.
Insurers price luxury coupes like this on replacement cost and repair complexity, and the CarEdge scope of full coverage for a good driver reflects that. A lower-risk profile would shave the figure, but the model would remain far from cheap to cover.
3. Mercedes-Benz EQS: Electric Luxury Tax
Mercedes-Benz’s electric flagship follows closely, with CarEdge listing an average premium of $7,326 a year for full coverage. Only a handful of models in the entire ranking cost more to keep insured.
Two electric luxury sedans appear near the top of the CarEdge table, a pattern consistent with high purchase prices and costly specialist repairs. Buyers weighing the model would do well to obtain a personal quote before signing, because the published average assumes a clean driving history.
4. Maserati Ghibli: Sports Sedan Surcharge
The Italian sports sedan comes in at $6,748 a year on CarEdge’s average full-coverage measure. That is a steep annual bill for a four-door that sits below the brand’s flagship in size and price.
The figure applies to a 40-year-old good driver covering 13,000 miles a year, so younger drivers or those with claims history should expect to pay more. For buyers drawn by the badge and the engine note, the premium is part of the ownership math that rarely appears on a showroom sticker.
5. Maserati Quattroporte: Priciest On The List
Insurance.com names the large Italian saloon the most expensive vehicle on its roundup, at $7,090 a year. The list was compiled to highlight cost extremes, and this model sits at the costly end.
A separate source ranked the smaller Ghibli at a lower figure, which suggests that size and price within one brand’s range move premiums in a predictable direction. Different methodologies produce different totals, so the two Maserati numbers should be read as signals about cost rather than directly comparable quotes.
6. Nissan GT-R: Japan’s Costly Exception
Insurance.com calls the supercar-fast coupe the priciest Japanese car on its list, with an average of $5,637 a year. Few vehicles from its home country come close to that level of cost.
High performance, a long-running reputation for tuning and expensive parts all tend to push rates upward for cars of this type. Owners looking to hold the cost down typically compare several carriers, since the spread between quotes on a specialist model can be wide.
7. BMW M8: Performance Coupe Bill
The high-performance grand tourer from BMW’s M division averages $5,552 a year to insure, according to Insurance.com. It is one of several German performance cars clustered on the costly side of the list.
Price, power and repair complexity all feed into premiums for cars of this kind. The average does not capture individual circumstances such as a garage, a clean record or bundled policies, each of which can pull an actual quote noticeably below the published number.
8. Audi RS 6: Wagon With A Price
Even a family-friendly body style does not protect a fast car from a high bill, as the Audi performance wagon shows with an average of $5,516 a year on Insurance.com’s list. Practical shape, in other words, offers no discount.
Insurers focus on horsepower, parts cost and theft or accident statistics rather than on cargo space. The listing places this model alongside other German performance models, suggesting that brand and engine output, more than body style, explain where it falls on the cost ladder.
9. BMW M4: Costliest Of The New
Compare.com identifies the coupe as the most expensive 2025/2026 model to insure, at $6,380 a year. That is the top spot among newly built vehicles, not just among a single manufacturer’s lineup.
The study measured full coverage across current model-year vehicles, where the national average sits at $2,879 a year. The M4 therefore costs more than double the typical newer car to cover, a reminder that performance variants carry a price long after the purchase is complete.
10. Cadillac CT4-V: American Contender
The compact sport sedan from Cadillac costs $5,542 a year to insure, Compare.com reports, and is the only American car in the top two spots. Most of the expensive models around it come from European brands.
That makes the sedan an unusual domestic entry among imported performance cars. The result suggests that a high-output variant of a mainstream model can attract the same kind of premium as a European rival, even when the badge sits lower on the traditional luxury ladder.
11. Mercedes-Benz G-Class: Boxy Icon Premium
The square-shouldered off-roader averages $5,501 a year for full coverage, Compare.com says, which is more than $2,600 above the $2,879 average for 2025/2026 models. The boxy SUV carries one of the larger gaps on the list.
A high sticker price, costly parts and similar factors are common explanations for premiums of this size, though the source does not break the figure down. Buyers should treat the average as a starting point and obtain a quote that reflects their own driving history.
12. BMW 7 Series: Big Sedan Baseline
The conventional flagship sedan closes out the list at $4,730 a year on average, according to Compare.com. That is still far above what typical new vehicles cost to insure.
It also rounds out a theme, because the electric i7 variant opens this collection at nearly double the figure. Sharing a nameplate with the most expensive model on the CarEdge table, this sedan still costs far less to cover, which shows how much the specific variant can matter.
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