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The 10 most expensive cars to insure: 2014 edition

If you drive one of these cars, you’ll be paying substantially more for car insurance this year, but do you care?

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There are a number of factors that go into calculating what you are charged for car insurance. A cornerstone insurers and insurance underwriters use to determine car insurance prices is the kind of car you drive. Year, make and model of a car will frame what levels of coverage you should get and will also be a major factor in how an insurer will determine what it needs to charge you to hedge against its exposure to risk and the possibility of paying claims. Each year, agencies and organizations evaluate which new cars on the market will cost you the most (and the least) to insure.

This is an update to the ongoing reporting we do that lists just what the most expensive makes and models from a car insurance cost perspective for 2014. If you happen to have the means to be buying and driving one of these cars, you may not care that much about what you’re paying for car insurance coverage. On the other hand, if what you’re being charged for car insurance while driving one of these is substantially higher than the averages we’re reporting, you may just want to have a serious conversation with your car insurance agent:

Insurance profile and cost calculation methodology

most expensive cars to insure 2014Several reputable organizations and agencies combine efforts to report on what the most and least expensive cars to insure are in a given year. Consumer Reports, the National Association of Insurance Commissioners (NAIC), Kelley Blue Book, the federal government’s Consumer Price Index, the online resource Insure.com, even several of the nation’s leading car manufacturers and car insurance companies all contribute to these efforts to report on new cars and what they can expect to cost drivers for insurance.

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This particular list relies on the combined efforts of several reports to provide average auto insurance rates for 2014 models. The driver profile for the rates listed included offering full coverage for a single 40-year-old male who commutes 10-15 miles to work each day (though with these cars, a daily commute seems almost like a waste of horsepower.). This male driver has a clean driving record and a higher-than-average credit score.

The policy shopped among several of the leading car insurance companies in the country (using a cross-section of from 10-20 of the nation’s most populous zip codes) includes:

  • Liability coverage with policy limits of 100/300/100
  • Uninsured/underinsured motorist coverage at 100/300/100 levels
  • Collision coverage with a $500 deductible
  • Comprehensive coverage with a $500 deductible

Based on this profile, here are the top ten most expensive 2014 cars to insure and what your average annual premium will be:

  1. Nissan GT-R (track edition) -- $3,169
  2. BMW M6 -- $3,065
  3. Mercedes-Benz CL550 (4matic AWD) -- $3,019
  4. Mercedes-Benz SLS (AMG GT) -- $2,986
  5. Porsche Panamera (Turbo S) -- $2,970
  6. Audi R8 (5.2 Spyder Quattro) -- $2,917
  7. Mercedes-Benz G63 (AMG) -- $2,887
  8. Audi AB: (6.3 Quattro) -- $2,869
  9. Jaguar XKR (Supercharged) -- $2,854
  10. Jaguar XK and Mercedes-Benz GL63 (AMG) (tied) -- $2,610

For the sake of comparison, the Insurance Research Council (IRC) and the National Association of Insurance Commissioners (NAIC) estimate that the national median cost for car insurance (annually), calculated across more than 1,000 car makes and models and averaged among all 50 states (plus the District of Columbia) is $1,509.

The top car on this year’s list certainly isn’t your average family car (actually, none of them on this list strike us as your basic family car.) The Nissan GT-R (track edition) retails at about $115,000 and comes with the catchy nickname Godzilla. No wonder. It features all-wheel-drive, twin turbochargers that help its V-6 engine crank out 545 horsepower, industrial-strength brakes in a nod to its power, and a tricky-to-master, dual-clutch automated manual transmission. Its on-board computer drives an array of electronics to customize steering, suspension and brake settings for an individual driver’s tastes (or aptitudes.) It easily can hit 190 to 200 mph, putting most folks who get behind its wheel in over their heads.

Other price factors

most expensive cars to insure 2014The premium prices listed in this report are an average. You will pay more if you live in certain states. How you intend to use these cars can also impact the price you’ll pay for insurance. Many car insurance companies may give you a break on premium of this new car is an addition to your stable and you insure all your cars (and you home) with the same insurer.

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At this level, there aren’t many premium discounts you can apply for. All of the cars on this list do come equipped with impressive safety features and many come standard with anti-theft features that may get you a premium discount. The performance parameters of most of the cars on this list may also compel owners to head to driving school where they can get come life-saving driving tips and (possibly) additional premium discounts.

The fact of the matter is, if you can afford to purchase a $115,000 car, you’re probably going to be fine with a $3,000-$4,000 annual insurance bill. Cost alone should not, however, be your only consideration. Putting the right types and levels of car insurance coverage in place is key to getting the most out of you investment in any of these higher end cars. It probably wouldn’t hurt to send some time with a local, license car insurance expert to get all your coverage questions answered. Reply! can help you with this by connecting you to licensed car insurance professionals in your area who can make sure your great ride has great coverage.

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