8 cars that cost the most to insure in 2026

Sticker price is only the down payment on owning a car; the premium that follows can add thousands more each year. Fresh 2026 data from Compare.com, Insurify and ValuePenguin ranks the models insurers charge the most to cover, from track-ready coupes to electric pickups. Here are eight cars that cost the most to insure right now.

1. BMW M4: Priciest Premium On The Road

Full-coverage insurance on the BMW M4 averages $319 a month, about $3,828 a year, the highest premium of any vehicle in Compare.com’s 2026 insurance rate data, a ranking built from tens of millions of real policy quotes rather than sticker prices alone.

Insurers weigh the twin-turbo six-cylinder engine, steep body and parts repair costs, and a claims history typical of a high-performance coupe, all of which push the M4’s premium well past what a comparable sedan owner would pay to cover a similarly priced car. Buyers shopping the M4 on horsepower alone often discover the true cost of ownership only after the first renewal notice arrives, once the monthly premium is added to the loan payment, fuel and routine upkeep a performance car demands.

2. Nissan GT-R: A Close Second Place

The Nissan GT-R is not far behind, averaging $318 a month in full coverage, about $3,816 a year, according to Compare.com’s 2026 rate data, just a dollar a month under the M4 atop the list.

A supercar-grade drivetrain, limited production numbers and expensive specialty parts all factor into the quote, since insurers price a policy around what a claim would actually cost to settle, not just what the car sold for new. Parts scarcity and the specialized labor a twin-turbo all-wheel-drive platform requires mean even a routine bumper repair can run far higher than on a mainstream sedan, and insurers build that expectation into the monthly rate they quote.

3. GMC Hummer EV: Electric Heft, Premium Rates

Insuring a GMC Hummer EV runs about $288 a month, or $3,456 a year, according to Compare.com’s 2026 ranking of the priciest vehicles to cover.

The Hummer’s curb weight, battery repair costs and low production volume all factor into that number, a reminder that electric trucks can carry insurance bills closer to a sports car’s than to those of a gas-powered pickup of similar size. A crash that damages the battery pack or the truck’s motors can cost far more to fix than sheet-metal work on a conventional truck, and insurers price that repair risk into every quote they issue.

4. Toyota GR 86: A Sports Car Surprise

Insurify data cited by Kiplinger puts the Toyota GR 86’s average annual full-coverage premium at $3,757, among the highest of any 2026 model despite its relatively modest sticker price, per Insurify’s 2026 data.

A rear-wheel-drive sports coupe aimed at younger, less experienced drivers tends to draw higher rates, since insurers factor in driver age and accident frequency alongside the car itself, so the GR 86’s affordable purchase price hides a steeper yearly bill. Shoppers comparing the coupe to a similarly priced commuter car should weigh that premium gap before signing, since the insurance line item can erase much of the savings the lower sticker price appeared to offer.

5. Maserati Ghibli: Luxury Sedan Steep Premium

The Maserati Ghibli averages $3,741 a year to insure, per Insurify data reported by Kiplinger, keeping the Italian sedan near the top of the list alongside far sportier machines.

Imported parts, specialized mechanics and a smaller pool of comparable claims all raise the cost of covering a low-volume luxury sedan, so buyers drawn to the Ghibli’s badge and styling should expect the premium to track closer to a sports car’s than a mainstream sedan’s. Because fewer of these sedans are on the road, insurers have less claims history to draw on and often price in extra caution, passing that uncertainty along as a higher monthly rate for owners.

6. Tesla Model 3: Priciest Mainstream Sedan

Insurify’s data puts the Tesla Model 3’s average annual full-coverage premium at $3,602, among the priciest mainstream sedans to insure, according to the same Kiplinger insurance report.

Advanced driver-assistance hardware and pricier sensor and battery repairs after even a minor collision keep quotes high, so a Model 3 owner shopping for coverage can end up paying more than the driver of a comparably priced gas sedan. That gap tends to surprise first-time electric-car buyers who expected lower running costs overall, since fuel savings at the pump do not always carry over to what an insurer charges to cover the car each month.

7. Rivian R1S: Priciest EV On The Books

ValuePenguin’s 2026 data shows the Rivian R1S carries the highest rate among electric vehicles it tracks, at $477 a month, about $5,724 a year, per its state-of-auto-insurance report.

A large battery pack, an aluminum and composite body that costs more to repair, and the R1S’s newer, less common parts supply all push its premium above every other EV in the study, a gap buyers should budget for well before signing the loan. As a newer entrant with a smaller service network, the three-row SUV also gives insurers less repair-cost history to draw on, which tends to push quotes higher until claims data catches up with more established models.

8. Tesla Model Y: The Single Most Expensive

ValuePenguin calls the Tesla Model Y the single most expensive new car to insure in 2026, averaging $354 a month, about $4,248 a year, in its 2026 auto insurance report.

As the best-selling model on the list, the Model Y’s sheer sales volume means more claims data and more of its costly sensors and battery packs needing repair, so its position atop the ranking reflects both its popularity and its repair bills. Because it sells in such high numbers, the crossover’s rate carries more weight in the overall study than a rarer model’s would, making its top spot a useful signal of what electric-vehicle ownership costs beyond the sticker price.