Car Insurance Cost Rankings
Compare annual insurance costs across every segment. Find out which vehicles are the cheapest and most expensive to insure in 2026.
$2,697/yr
National Average
$1,404/yr
Cheapest
$7,090/yr
Most Expensive
+49%
EV Premium
| Rank | Vehicle | Segment | Annual Cost | vs. National Avg |
|---|---|---|---|---|
1 | Maserati Quattroporte | Luxury | $7,090 | +163% |
2 | Maserati Ghibli | Luxury | $6,313 | +134% |
3 | Nissan GT-R | Sports | $6,079 | +125% |
4 | BMW M8 Gran Coupe | Luxury | $5,985 | +122% |
5 | Audi RS7 | Luxury | $5,792 | +115% |
6 | Mercedes-AMG EQS | Luxury EV | $5,648 | +109% |
7 | BMW M8 | Luxury | $5,552 | +106% |
8 | Audi e-tron GT | Luxury EV | $5,528 | +105% |
9 | Audi RS6 | Luxury | $5,516 | +104% |
10 | BMW i7 | Luxury EV | $5,486 | +103% |
Average Cost by Segment
Compact SUV
$1,500
per year average
Minivan
$1,550
per year average
Midsize Sedan
$2,200
per year average
Full-Size Truck
$2,400
per year average
Sports Car
$3,800
per year average
Luxury Sedan
$4,200
per year average
Electric Vehicle
$4,043
per year average
EV vs Gas Insurance Comparison
| EV Vehicle | EV Cost | Comparable Gas | Gas Cost | Difference |
|---|---|---|---|---|
VW ID.4 | $2,892 | VW Tiguan | $2,100 | +38% |
Ford F-150 Lightning | $3,012 | Ford F-150 | $3,018 | -0.2% |
Tesla Model 3 | $3,531 | BMW 3 Series | $2,880 | +23% |
Tesla Model Y | $4,248 | BMW X3 | $3,200 | +33% |
Tesla Model X | $6,264 | BMW X5 | $4,100 | +53% |
EV insurance costs are generally higher due to expensive battery replacements, specialized repair requirements, and higher vehicle values. However, some models like the Ford F-150 Lightning are closing the gap with their gas counterparts.
What Affects Insurance Rates
Safety Ratings
Vehicles with top IIHS and NHTSA safety ratings qualify for lower premiums. Advanced driver-assistance systems (ADAS) can reduce accident frequency and severity.
Repair Costs
Luxury and performance vehicles use specialized parts and require certified technicians, driving up claim costs and premiums significantly.
Theft Rates
Models frequently targeted by thieves—like certain Hyundai and Kia models—carry higher comprehensive premiums regardless of their base price.
Vehicle Value
Higher MSRP means more expensive collision and comprehensive coverage. Depreciation can actually lower insurance costs on older luxury vehicles.
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