Have you ever wondered why some cars come with sky-high insurance premiums? While the allure of luxury and performance can be irresistible, the cost of insuring these vehicles is often a shock. This list contains 15 cars with hefty insurance price tags and reveals what makes them so expensive.

Bentley Bentayga

With a price tag of over $160,000, the Bentley Bentayga is a luxury SUV that comes with expensive insurance costs, estimated to be around $10,000 to $15,000 per year. Its high market value, advanced features, powerful engine, high-end materials, limited production, and high-risk driver profile contribute to these high costs, making specialized coverage essential for owners.

Tesla Roadster Founder’s Model

The Tesla Roadster, designed by Franz von Holzhausen, Tesla’s Chief Designer, is a rare treasure with only 100 Founder’s Series models produced. Its battery pack offers an estimated 620 miles of range. However, the insurance premiums are rated around $10,000 to $15,000 per year. The advanced technology and capabilities of the Roadster also increase the risk of accidents and repair costs.

Aston Martin Rapide S

As a masterpiece of British engineering, the Aston Martin Rapide S combines sleek design, exceptional performance, and luxurious features. Its insurance premiums are $8,000-$12,000 per year. Modeled by Marek Reichman, the Rapide S features a carbon fiber body and bespoke interior, with only 2,500 units of the beauty produced in the UK.

Mercedes-AMG SL65

Producing 621 horsepower and a top speed of 186 mph, this luxury vehicle is a unique find. Gorden Wagener’s design genius shines through in its elegant lines and luxurious interior. Insurance costs range from $10,000 to $15,000 annually, reflecting its quality and hefty market value.

Bugatti Chiron

The Chiron’s design is a work of art, with a sleek and aerodynamic body that features a signature C-line and horseshoe grille. The interior is crafted from premium bespoke materials and details. With a base price of $2.6 million, the insurance is estimated to be $50,000 to $100,000 annually, making it one of the most expensive cars to insure in the world.

Ferrari 488 GTB

The sleek 488 GTB aerodynamic body, complemented by LED headlights and taillights, is lovely to behold. The exotic exclusivity contributes to pegging its insurance at $8,000 to $12,000. Flavio Manzoni, Ferrari’s Design Director, oversaw the creation of this exclusive and highly sought-after supercar.

McLaren 720S Coupe

The body of the McLaren 720S Coupe is made of carbon fiber, with a teardrop-shaped cockpit and a curved rear spoiler. The 720S spotlights a 15.4-inch carbon-ceramic brake disc, which is the largest ever fitted to a production car. It has a dry weight of just 2,828 pounds, making it one of the lightest cars in its class. Annual insurance coverage for the McLaren 720S Coupe is expected to cost between $10,000 and $15,000.

Bentley Mulsanne

The Mulsanne is named after the famous Mulsanne Straight at the Le Mans racing circuit. The car’s 6.75L V8 engine is hand-built and features a unique “twin-turbo” design. The Bentley Mulsanne’s insurance bill is likely to total $8,000-$12,000 every year. It has a top speed of 184 mph; and is built and hand-assembled by skilled craftsmen at Bentley’s factory in England.

Rolls-Royce Ghost

While making The Ghost, Giles Taylor, Rolls-Royce’s Design Director, aimed to incorporate modern designs with the spirit of Rolls-Royce’s heritage. The opulent interior of The Ghost comes with premium leather, wood trim, and metal accents. The annual insurance expense is anticipated to be in the range of $10,000-$15,000. 

Ferrari F12 Berlinetta

The F12 Berlinetta is the most powerful Ferrari production car ever built, with a 6.3L V12 engine producing 731 horsepower. The car is manufactured by Ferrari S.p.A., an Italian company based in Maranello, Italy. The yearly insurance premium is projected to range from $15,000 to $20,000. The company was founded in 1947 by Enzo Ferrari and has a rich history of producing high-performance, luxury sports cars.

Mercedes-Benz SLR McLaren AMG

Manufactured as a collaborative project between Mercedes-Benz and McLaren, the Mercedes-Benz SLR McLaren AMG combines the expertise of both companies. The cost of insuring it for a year is estimated to fall between $12,000 and $18,000 annually. The car’s 5.4L V8 engine is hand-built by AMG and features a unique “supercharged” design.

Saleen S7

The Saleen S7 is a rare and exclusive vehicle, with only 100 units produced worldwide. Its lightweight and state-of-the-art systems make it a high-risk vehicle for insurance companies, with an estimated annual insurance cost of $10,000-$15,000. Its sharp and menacing appearance was created by Steve Saleen, the founder himself.

Porsche 918 Spyder

This model is considered by insurers to be worth annual premiums of $12,000 to $18,000. Michael Mauer, Porsche’s Design Director, built the car with a focus on performance and sustainability. Only 918 units were produced, making it an elite vehicle. With its hybrid powertrain and elegant design, the Porsche 918 Spyder is a highly coveted vehicle among car enthusiasts.

Rimac Concept One

Mate Rimac, the founder of Rimac Automobili, modeled the car to achieve quality and electric power. As one of the most powerful and choice electric cars in the world, only eight units of the Rimac Concept One were manufactured. It is one of the rarest vehicles in the world and has an insurance budget between $15,000 and $20,000. The Concept One has a fully electric propulsion of 1,224 horsepower.

Lagonda Taraf

After factoring repairs, maintenance, and associated risks, the insurance cost for a Lagonda Taraf is projected to be around $10,000-$15,000 annually. Inspired by the 1976 Lagonda sedan, Marek Reichman fashioned the interior with premium leather and a touchscreen infotainment system. Combining luxury and speed, the Lagonda Taraf is a true gem among sports cars.