6 Cars With the Most Expensive Insurance Rates in 2025—And 3 That’ll Save You Money
In 2025, owning a car means considering more than just fuel economy and comfort. Insurance premiums are a major factor, influenced by a vehicle’s performance, safety ratings, repair costs, and theft risk. Luxury cars with powerful engines, expensive parts, and sophisticated technology often lead to higher insurance rates. Conversely, practical vehicles known for safety and affordability frequently enjoy lower premiums. Here’s a look at six cars with the most expensive insurance rates—and three that will help you keep costs down.
These Cars Have the Most Expensive Insurance Rates for Drivers
1. Maserati Quattroporte
The Maserati Quattroporte is an Italian luxury sedan known for its elegance and powerful performance, which unfortunately comes with substantial insurance premiums. Due to its high-performance engine and expensive replacement parts, insurers consider it a risky vehicle to cover. Its luxurious features and exclusivity significantly raise repair costs, impacting premiums. The Quattroporte’s desirability also means it’s a target for theft, further inflating insurance rates. Owners of this vehicle should prepare to pay well above average for coverage. Despite high premiums, its unparalleled driving experience remains attractive to luxury car enthusiasts.
2. BMW M8 Competition Gran Coupe
BMW’s M8 Competition Gran Coupe combines speed, luxury, and advanced technology—traits that make it costly to insure. Its high-performance twin-turbo V8 engine and specialized components result in elevated repair bills that insurers factor into premiums. The car’s sporty profile attracts attention, increasing theft risk and thus higher insurance costs. Safety features help slightly, but overall expenses remain high due to performance capabilities. Prospective buyers should budget for substantial insurance costs. Still, enthusiasts often find the experience worth every penny.
3. Porsche Panamera Turbo S E-Hybrid Executive
This Porsche model merges hybrid efficiency with explosive power, resulting in premium-priced insurance. Its hybrid technology, luxurious interior, and powerful performance increase both replacement and repair costs. Its high market value further elevates insurance premiums, as insurers consider potential payouts. While advanced safety features mitigate some risk, costs remain steep due to complexity and exclusivity. Owners typically face premiums much higher than average. Nonetheless, its exceptional driving dynamics and prestige attract devoted fans willing to pay for its upkeep.
4. Audi RS e-tron GT
Audi’s flagship electric sports sedan, the RS e-tron GT, is known for its breathtaking performance—but also its significant insurance premiums. Its advanced electric powertrain technology and specialized battery systems result in costly repairs. Due to its rarity and premium components, insurers anticipate expensive claims, pushing up rates. Additionally, performance vehicles carry higher risk profiles, contributing to increased premiums. Owners should carefully evaluate these additional costs before buying. Despite the price, the vehicle’s innovative technology and performance may justify the expense for many buyers.
5. Tesla Model S Plaid
Tesla’s Model S Plaid is celebrated for exceptional acceleration and cutting-edge technology, but these attributes come with pricey insurance. Complex electronic components and proprietary Tesla parts mean high repair and replacement costs. This vehicle’s extreme performance can increase accident risk, leading insurers to assign higher premiums. Additionally, incidents involving vandalism or theft of Teslas contribute to the vehicle’s risk profile. Drivers must account for these extra insurance costs. However, the Model S Plaid’s unmatched performance still appeals strongly to Tesla enthusiasts.
6. Porsche Taycan Turbo S
As Porsche’s high-performance electric vehicle, the Taycan Turbo S blends luxury with electrifying speed, resulting in expensive insurance rates. Its intricate electric drivetrain and high-end parts substantially increase repair and replacement costs. Its premium price tag contributes to higher payouts for insurers in case of damage or theft. Despite excellent safety ratings, insurers still view its performance and complexity as liabilities. Prospective owners should anticipate high premiums. However, the car’s stunning performance often justifies the higher ongoing expense for many buyers.
Least Expensive Vehicles to Insure
1. Subaru Forester
For drivers looking to lower insurance costs, the Subaru Forester is an ideal choice. Known for outstanding safety scores and crash-test ratings, insurers reward Forester owners with lower premiums. Repair and replacement parts are relatively inexpensive and widely available, reducing potential insurance claims. Its practical design and excellent reliability further minimize insurance risks. Owners appreciate the affordability of both the vehicle and its insurance coverage. The Forester provides peace of mind financially and on the road.
2. Hyundai Palisade
The Hyundai Palisade combines family-friendly practicality with affordable insurance premiums. Its exceptional safety ratings and robust crash protection make it appealing to insurers. The Palisade’s moderate price and low-cost replacement parts also reduce potential claim payouts. Additionally, its popularity among families results in safer driving statistics, further lowering insurance rates. Owners enjoy lower premiums, making it a cost-effective option. Overall, the Palisade offers an appealing combination of affordability, safety, and style.
3. Volkswagen Atlas
Volkswagen’s Atlas is recognized for spaciousness, affordability, and impressively low insurance premiums. Its robust safety features and solid crash-test performance reduce risk significantly. The Atlas’s availability of inexpensive parts and simplicity of repairs contribute to decreased insurance claims. Its family-oriented design and safe driving demographics further lower insurance costs. Owners experience both financial savings and practical utility. Overall, the Atlas represents a financially savvy choice for insurance-conscious buyers.
Insurance Costs Matter in Vehicle Ownership
As automotive technology evolves, insurance premiums have become a crucial factor in vehicle ownership costs. Luxury and high-performance vehicles naturally carry higher premiums due to increased risks and repair costs. Conversely, practical cars emphasizing safety, reliability, and affordability often come with significantly lower insurance rates. Prospective buyers should carefully evaluate insurance costs alongside vehicle features. Understanding these factors ensures smarter purchasing decisions, leading to savings and satisfaction in the long term.
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Drew Blankenship is a former Porsche technician who writes and develops content full-time. He lives in North Carolina, where he enjoys spending time with his wife and two children. While Drew no longer gets his hands dirty modifying Porsches, he still loves motorsport and avidly watches Formula 1.