Insurance quotes for performance and luxury cars can rival a monthly car payment, and the rankings rarely agree on a single winner. Studies from The Zebra, CarInsurance.com, CarEdge, Insurance.com and Compare.com each put different models at the top. Here are twelve cars that keep appearing near the expensive end.
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1. BMW M5: Zebra’s Top Pick
The Zebra’s 2026 ranking puts the BMW M5 first, at an average of $7,819 a year for full coverage, according to The Zebra’s 2026 ranking.
Different studies use different driver profiles, so the M5’s rank may shift elsewhere. Owners and buyers should still get several quotes, since rates vary with age, location and record. Quotes are specific to each driver, so any published average serves only as a starting point for budgeting.
2. Audi S8: Second on the List
The Audi S8 averages $7,069 a year to insure, which puts it second on Zebra’s expensive-car list.
A near-$7,000 premium is a large part of ownership cost for a full-size performance sedan. Shoppers should price coverage before signing, not after. Compared with the gap between insurers, the gap between a sedan and a coupe is often smaller than shoppers expect, so shopping around matters. Shoppers weighing it against rivals should request identical coverage limits, so the comparison reflects the car and not the policy.
3. Mercedes-Benz S-Class: Priciest Non-Performance Sedan
The Mercedes-Benz S-Class averages $6,574 a year to insure, making it the priciest non-performance luxury sedan in Zebra insurance study.
The S-Class shows that a premium does not require a track-focused badge. Replacement cost and repair complexity are plausible reasons, though the study itself does not spell them out. Anyone leasing or financing should remember that lenders typically require full coverage, which is the basis for this kind of ranking.
4. BMW M8 Gran Coupe: Top Trim, Top Rate
CarInsurance.com’s 2026 study puts the BMW M8 Gran Coupe at $6,744 a year in its most expensive trim, per CarInsurance.com study.
The figure applies to the top version, so lower trims may quote differently. Comparing quotes by exact trim level matters when budgeting. Dropping to a lower trim of the same model can sometimes change the quote, so asking an agent about alternatives is worthwhile. Because insurers price by body style and horsepower, a high-output coupe-styled sedan lands in a costly class for reasons beyond sticker price.
5. Audi e-tron GT: Costliest Electric Car
The Audi e-tron GT is the most expensive electric car in CarInsurance.com’s study, at $6,291 a year for the RS performance version, as shown in electric-car ranking.
Electric cars are not automatically cheaper to cover. Buyers eyeing a high-output EV should request a quote early in the process. Higher repair costs on specialized battery and drive components are one commonly cited reason, though the study does not break this out.
6. BMW i7: The Headline Number
CarEdge lists the BMW i7 at an $8,702 average annual premium for a 40-year-old good driver with full coverage, the highest figure in CarEdge ranking.
That puts the i7 above the M5’s figure from The Zebra, though the two rankings use different methods and cannot be compared directly. Quotes for an individual driver may land well above or below. Bundling policies or adjusting deductibles are common ways drivers try to bring a high premium down, within the limits of their lenders.
7. Maserati Quattroporte: Most Expensive Here
Insurance.com lists the Maserati Quattroporte at $7,090 a year, the most expensive vehicle on Insurance.com list.
A rare Italian sedan can be harder to repair or replace, which may help explain the rate. Owners should confirm what a policy covers before relying on it. Rare cars often have fewer repair shops and costly parts, which tends to push insurers to price in extra risk. Asking about discounts for limited mileage, safety features or a long claim-free history can narrow the gap on a car like this.
8. Nissan GT-R: Priciest Japanese Car
The Nissan GT-R costs $5,637 a year to insure on Insurance.com’s list, the priciest Japanese car in Insurance.com ranking.
The GT-R’s rate reflects its supercar-level performance reputation. Drivers with clean records may still find quotes vary by company. Garage storage, mileage limits and a clean record are commonly rewarded by insurers, so those details are worth raising with an agent. Younger drivers in particular should expect quotes to differ sharply from a published average, so an individual estimate comes first.
9. Audi RS 6: Wagon With a Big Premium
Insurance.com puts the Audi RS 6 at $5,516 a year in average premium, according to Insurance.com figure.
A fast wagon can still carry a sports-car rate. Shoppers should compare insurers, since the gap between the highest and lowest quote can be substantial. Wagons share their engines and body panels with pricier performance cars, and a quote usually reflects that cost of repair. Reviewing the declarations page each renewal also helps, since coverage and pricing can both drift over time.
10. BMW M4: Newest Models Rated
Compare.com says the BMW M4 costs $6,380 a year to insure, the most expensive 2025 or 2026 model, based on Compare.com study.
New-model pricing tends to reflect repair costs and theft or crash experience. Asking an agent for a quote before visiting a dealer avoids surprises. A buyer comparing two used or new options can ask insurers for a quote on each before settling on a trade-in or lease. Anyone considering the model should also confirm how a lender or leasing company requires the car to be insured.
11. Cadillac CT4-V: America’s Entry
The Cadillac CT4-V costs $5,542 a year to insure on Compare.com’s list, the only American car in its top two, as reported in Compare.com list.
The CT4-V shows that domestic performance sedans can also draw hefty premiums. Buyers should treat insurance as part of the purchase decision. An American badge does not guarantee a lower rate, which is a useful reminder for shoppers who assume domestic means cheaper. Comparing an equivalent European rival’s quote side by side shows whether the domestic badge actually saves anything in practice.
12. Bentley Continental GT: Grand Touring Price
CarEdge lists the Bentley Continental GT at $7,613 a year in insurance, according to CarEdge luxury ranking.
That figure sits among the highest on this list. Owners of high-value cars should also consider agreed-value coverage options, which a broker can explain. Ultra-luxury cars may call for specialist coverage, so a conversation with an agent who writes high-value policies can be useful. A written quote, rather than an online estimate, gives the most reliable basis for deciding whether the premium fits a household budget.
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