What Are Some of the Most Expensive Luxury Cars to Insure in the U.S.?

These days, buying any kind of car is a substantial financial commitment. Of course, it always has been, but the pandemic has made it even more expensive for some vehicles. What are some of the most expensive luxury cars to insure in the U.S. right now?

The Nissan GT-R Nismo is one of the most expensive new cars to insure
The Nissan GT-R Nismo is one of the most expensive new cars to insure | Sjoerd van der Wal/Getty Images

The most expensive new cars to insure in the U.S. might surprise you

In order of least expensive to insure to most expensive to insure, these are the new vehicles on the list.

  1. Nissan GT-R Nismo
  2. Audi R8 5.2L V10 Spyder Quattro
  3. BMW M8 XDrive
  4. BMW M760i xDrive
  5. Tesla Model X Plaid
  6. Tesla Model S Plaid
  7. Maserati Ghibli S Q4 GranSport
  8. Maserati Quattroporte S GranSport

The Nissan GT-R Nismo is an expensive luxury car to insure

The Nissan GT-R Nismo has always been a popular luxury car for those looking for a little more horsepower on the commute. According to this list by Insure.com, the Nissan GT-R Nismo is the eighth-most expensive vehicle to insure in the U.S. right now. According to the national average for those insuring the GT-R, drivers pay $3,829 a year for the car. That’s right around $319 a month.

RELATED: 5 Unusual Used Cars That Are Really Cheap to Insure

The Audi R8 5.2L V10 Spyder Quattro isn’t exactly an everyday car on the road, so it makes sense it would cost a little more to insure. The R8 is the seventh most expensive luxury car option on the list, running an annual cost of around $3,863. That comes in at $306 a month, which is still pretty steep.

Don’t overlook the BMW M8 xDrive

The BMW M8 XDrive is a pretty popular new sedan from BMW that comes in various body types. On top of that, the M8 XDrive is pretty fast, racking up 617 hp and a 0-60 mph time of 3.0 seconds. Due to this, the annual cost of insurance is around $3,907, making it about $325 a month. But it kind of seems worth it, right?

Another option from BMW is the new BMW M760i xDrive

The BMW M760i xDrive is a highly-anticipated new release from the brand that is supposed to be pretty quick. Due to that, buyers can plan to pay extra to keep the vehicle on the road. The insurance rate from Insure.com is said to be $3,914 annually. Breaking it down to the monthly cost, that will run buyers around $326 a month.

The Tesla Model X Plaid is going to be an expensive luxury car to insure

RELATED: Luxury Cars: Sedans & Coupes Buyer’s Guide

The Tesla Model X Plaid has a lot of expensive bits and pieces on it, not to mention how fast it is. That might explain its spot at number four on the list of most expensive luxury cars to insure. Annually, the Tesla Model X Plaid will cost drivers around $4,025, which equates to about $335 a month.

Don’t count out the Tesla Model S Plaid for expensive insurance

This one shouldn’t come as a surprise. The brand-new Tesla Model S Plaid is incredibly fast and popular, so the price of insurance makes sense. When buyers go to add this one to an existing plan, it will cost $4,143 annually. That equals $345 a month, which isn’t even too bad with all things considered. Elon Musk thinks that’s a good deal, but he also hangs out in space.

The Maserati Ghibli S Q4 GranSport is a pricey vehicle to insure

What Are Some of the Most Expensive Luxury Cars to Insure in the U.S.?
The Maserati Ghibli S Q4 GranSport is an expensive new car to insure | Maserati

If you were looking at the Maserati Ghibli S Q4 GranSport, this sedan has an average annual cost of $4,208 to insure. When you break that down to a monthly cost, buyers can anticipate paying $350 a month for the luxury car. You don’t see too many of these on the road these days, and perhaps the insurance price is the reason why.

The Maserati Quattroporte S GranSport is number one on the list

The Maserati Quattroporte S GranSport is the most expensive luxury car to insure in the U.S. right now. Insure.com says that insuring this Maserati will run buyers $4,823 a year, which breaks down to just over $401 a month. Ouch! Again, the Maserati Quattroporte S GranSport is fast, fun, and luxurious, so the insurance price makes sense. Plus, it costs around $112,000 new, so the high price of insurance is just a drop in the bucket after that. “Both Maserati models are fairly exotic and expensive to replace and repair. Their high visibility and desirability also raise their appeal among car thieves,” Kelley Blue Book managing editor Matt DeLorenzo says.

If these are out of budget, the cheapest car to insure right now is the Chrysler Voyager coming in at $1,272 a year. That’s only $106 a month! Not a bad deal, but it won’t be nearly as fun as a Maserati. Either way, these are the most expensive luxury cars on the market right now.

RELATED: 6 Used Cars That Cost More Than New Cars