Insurance premiums vary widely by model, and the cars at the top of the rankings can cost more to cover than many owners pay for a used car each year. The figures below come from four rate sources that each use their own basis, so each entry states its own. Here are twelve cars with the steepest insurance bills.
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1. BMW i7: Top of the Premium Pile
A 40-year-old good driver with full coverage pays an average of $8,702 a year to insure a BMW i7, according to CarEdge luxury rankings. That figure sits at the head of the list and sets the ceiling for this group of expensive-to-cover cars.
For a buyer, the number is a reminder that a flagship electric sedan carries a running cost well beyond the monthly payment. Quotes vary by driver and location, so the average is best treated as a benchmark when shopping for coverage rather than a promise.
2. Bentley Continental GT: Grand Touring Surcharge
The Bentley Continental GT averages $7,613 a year to insure, per CarEdge’s insurance ranking. That places the British grand tourer second on the same full-coverage basis used for the BMW i7 above it.
Owners of a car at this level should expect premiums to rival a small monthly bill of their own. Getting several quotes before signing the purchase paperwork is the practical step, since the spread between insurers can be wide for low-volume luxury models.
3. Maserati Ghibli: Italian Price of Admission
Maserati’s Ghibli comes in at $6,748 a year in the CarEdge premium data, the third-highest figure in that ranking. The sedan is the least costly of the three luxury models to insure on this list, though still far above a typical family car.
Buyers weighing a Ghibli should budget for coverage as a substantial line item alongside fuel and maintenance. Used examples may look affordable at purchase, but the premium can erase part of that saving.
4. BMW M4: Performance Coupe Premium
Full coverage on a BMW M4 costs $319 a month, according to Compare.com’s uninsurable cars list. The Nissan GT-R and Tesla Model 3 follow closely on the same page, with the Toyota Supra just behind them.
The monthly basis differs from the annual averages quoted for the luxury models earlier, so the numbers are not directly comparable. For context, the same source puts the cheapest car to insure, the Subaru Forester, at $100 a month.
5. Nissan GT-R: Supercar Rates, Monthly
The Nissan GT-R draws $318 a month for full coverage, based on Compare.com rate data. That is a single dollar below the BMW M4 and puts the long-running Japanese performance coupe near the top of the ranking.
Insurers tend to price high-output cars on repair costs and theft or crash risk, which keeps premiums elevated. Prospective owners can compare that figure with the $100 a month listed for the Subaru Forester to gauge the gap.
6. Tesla Model 3: Mainstream EV, Pricey Cover
The Tesla Model 3 is priced at $300 a month for full coverage in the Compare.com ranking. The sedan is a high-volume model rather than a low-production exotic, which makes the figure stand out in this group.
A monthly premium of that size puts the electric sedan in the same conversation as far pricier performance cars. Shoppers can request quotes on a specific trim and compare carriers before committing to a purchase.
7. Toyota Supra: Sports Car Staple
Insuring a Toyota Supra costs $286 a month with full coverage, per Compare.com’s monthly figures. The sports coupe rounds out the four models from that source on this list.
At that rate, a year of coverage adds up to a sizeable sum on top of the purchase price. Anyone considering the car should compare it against the $100 a month shown for the Subaru Forester, the cheapest option in the same dataset.
8. Tesla Model S: Electric Flagship Cost
The Tesla Model S averages $5,074 a year to insure, according to Insure.com figures reported by MoneyLion in 2026. The number comes from a ranking of electric vehicles with the highest insurance costs.
Because this list uses a different dataset from the CarEdge and Compare.com numbers, comparisons across sections should be made carefully. Owners of the electric sedan should still expect premiums that run into the thousands of dollars each year, so quotes are worth gathering early.
9. Porsche Taycan: A Dollar Behind the Model S
Porsche’s Taycan averages $5,073 a year to insure, one dollar less than the Tesla Model S in the same Insure.com electric vehicle ranking. The near tie shows how closely the two electric sedans are priced by insurers.
The figure applies to the electric sports sedan as a whole, so premiums on a specific trim may land higher or lower. Buyers should gather quotes from several carriers, because rates for performance EVs can differ noticeably between companies.
10. Audi R8: Mid-Engine Insurance Bill
A Lemonade analysis of costly cars puts the average annual premium for an Audi R8 at $4,568. The mid-engine supercar is the first model on this list taken from that source.
The basis again differs from the earlier groups, so the figure should be read on its own terms. For owners and prospective buyers, it indicates that a supercar adds thousands of dollars a year to the cost of ownership.
11. Mercedes-Benz S-Class: Luxury Sedan Standard
Lemonade lists the Mercedes-Benz S-Class at $3,742 a year to insure, as shown in its most expensive cars to insure guide. The German flagship sedan sits well below the top of this gallery yet far above ordinary premiums.
Buyers of a large luxury sedan should plan for the premium as part of the overall cost. Comparing it with the Porsche 911 just below, the two are separated by only a few dollars on this source’s basis.
12. Porsche 911: Sports Car Icon, Modest Rank
The Porsche 911 averages $3,734 a year to insure, according to Lemonade’s cost ranking. That is only $8 less than the Mercedes-Benz S-Class on the same list.
Even the last entry in this gallery costs far more to cover than the $100 a month quoted by Compare.com for a Subaru Forester. A buyer should treat the average as a starting point and ask several insurers for rates tied to the exact model and driver.
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