Luxury & High-Risk Vehicles Explained
When it comes to buying a luxury or high-performance car, most people focus on price, horsepower, or style. But one major cost often slips under the radar until it’s too late: car insurance.
Car insurance for high-end vehicles can be shockingly expensive. And while it might seem unfair that your dream car could also bring a hefty annual premium, there’s a good reason behind it.
In this guide, we’ll walk you through the top 10 most expensive cars to insure in 2025, explain why they cost so much, and share practical tips to help you lower your premiums—even if you drive one of these luxury beasts.
💡 Why Are Some Cars More Expensive to Insure?
Not all vehicles are created equal in the eyes of insurance companies. When setting your premium, insurers consider a wide range of risk factors—not just your driving history or age, but also the vehicle itself.
Here’s why certain cars are much pricier to insure:
1. High Repair & Replacement Costs
Luxury and exotic cars often use imported or specialty parts that are more expensive to replace. Labour costs for these repairs are also higher due to specialized equipment and expertise.
2. Power and Performance
High-performance cars can go faster—and that increases the chances of speed-related accidents. The faster the car, the higher the risk (and the higher the premium).
3. Higher Theft Rates
Luxury cars are popular targets for thieves, especially in large cities. Models with a reputation for being stolen frequently will automatically raise a red flag with insurers.
4. Safety Ratings and Crash History
Vehicles with poor crash-test performance or a history of frequent claims cost more to insure—even if they’re packed with high-tech safety features.
🏆 Top 10 Most Expensive Cars to Insure in 2025
Now that we’ve covered the “why,” let’s get to the “what.” Based on insurance data, repair costs, and vehicle risk profiles, these are the most expensive cars to insure this year.
💬 Note: Insurance premiums vary by location, driver history, age, and coverage options. These figures represent national averages in the U.S.
1. Porsche 911 Turbo S
Average Annual Premium: $4,000+
This iconic sports car isn’t just fast—it’s blazingly fast, hitting 0–60 mph in under 3 seconds. The price of performance comes with high repair costs and a powerful engine that insurers associate with greater accident risk.
Why It’s Expensive:
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Exotic parts
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High-speed performance
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Steep repair bills
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2. Tesla Model S Plaid
Average Annual Premium: $3,500–$4,000
With jaw-dropping acceleration and futuristic tech, the Plaid is one of the fastest production cars ever. But electric vehicles like Teslas come with high repair costs—especially for battery and electronics issues.
Why It’s Expensive:
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Specialized EV repairs
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Limited repair facilities
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High MSRP
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3. BMW M8 Competition
Average Annual Premium: $3,800+
The M8 Competition offers serious power and performance wrapped in a sleek luxury design. Insurers consider it both fast and costly to fix—two red flags for higher premiums.
Why It’s Expensive:
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Powerful V8 engine
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Expensive performance components
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High accident risk
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4. Audi RS e-Tron GT
Average Annual Premium: $3,600+
Audi’s flagship electric sports car combines luxury with high-performance tech. While its all-electric drivetrain is innovative, that also makes it more complex and costly to repair.
Why It’s Expensive:
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Advanced EV technology
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Costly battery repairs
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Premium parts availability
5. Mercedes-Benz S-Class AMG
Average Annual Premium: $3,500+
The S-Class AMG is the ultimate in luxury performance. With a host of advanced systems and a powerful engine, repair bills can skyrocket—pushing insurance premiums up with them.
Why It’s Expensive:
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Complex electronics
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High replacement costs
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Premium interior and components
6. Dodge Challenger SRT Hellcat
Average Annual Premium: $3,200–$3,800
This muscle car is famous for its 700+ horsepower—and infamous for high accident rates and theft incidents. It’s fast, loud, and risky in the eyes of insurers.
Why It’s Expensive:
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Extremely high horsepower
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Speeding-related accident rates
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Popular among car thieves
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7. Range Rover Sport SVR
Average Annual Premium: $3,400+
Luxury SUVs are a status symbol—and a target. The Range Rover SVR is often on top of “most stolen vehicles” lists and carries some of the highest repair costs in the SUV category.
Why It’s Expensive:
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High theft rates
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Expensive tech and sensors
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Costly maintenance
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8. Chevrolet Corvette Z06
Average Annual Premium: $3,000+
This American supercar delivers exotic-level performance at a “reasonable” price—but its insurance cost reflects the risk that comes with so much speed and power.
Why It’s Expensive:
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Track-level performance
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High repair costs after crashes
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Sportscar accident history
9. Jaguar F-Type R
Average Annual Premium: $3,200+
Sleek, stylish, and speedy—the F-Type R ticks every box for a high-risk vehicle. British luxury cars also tend to come with high parts and labor costs.
Why It’s Expensive:
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Powerful engine
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Imported parts
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Lower safety ratings
10. Maserati Quattro Porte
Average Annual Premium: $3,800+
Italian design meets executive luxury—but it’s no bargain when it comes to insurance. Rare parts, expensive servicing, and a spotty claims record drive premiums way up.
Why It’s Expensive:
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High cost of repairs
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Limited dealer network
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Premium-only fuel and servicing
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📊 What These Vehicles Have in Common
These luxury and high-performance vehicles might come from different brands and categories, but they share some common characteristics:
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High replacement and repair costs
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Advanced or complex technology
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Powerful engines and speed potential
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Higher theft risk
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Low crash-test ratings (in some cases)
🛡️ How to Lower Insurance Costs on Expensive Cars
Owning a luxury or high-performance car doesn’t mean you’re stuck with sky-high insurance premiums forever. Here are a few smart ways to save:
1. Increase Your Deductible
Opting for a higher deductible can lower your monthly premium. Just make sure you can afford it in case of an accident.
2. Install Anti-Theft Devices
Security upgrades like GPS tracking, steering wheel locks, and alarm systems can reduce theft risk and earn discounts.
3. Bundle Insurance Policies
Combining your auto and home (or renters) insurance under the same provider can lead to big savings.
4. Use a Telematics Program
Many insurers offer usage-based insurance programs that track your driving habits. Safe drivers may earn substantial discounts.
5. Consider Limited Mileage Policies
If you drive your car rarely (for example, it’s a weekend cruiser), ask your insurer about low-mileage discounts or classic car insurance.
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🧾 Final Thoughts
Buying a high-end car is a big investment—and insurance is a major part of the total cost of ownership. While the vehicles on this list are undeniably desirable, they’re also among the most expensive cars to insure in 2025.
Before buying, take time to:
✅ Get insurance quotes ahead of time
✅ Understand what makes certain vehicles more costly to cover
✅ Explore all available discounts and policy options
By making informed choices, you can enjoy your luxury ride without breaking the bank on insurance.
