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By R.E. Fulton
Updated on Sep 28, 2022
Reviewed by Kathleen Flear, Director of Content.
The average cost of Maserati car insurance is $4,522 per year. Your rate depends on more than just the model you drive—it depends on your driving record, your location, and which insurance company you choose.
Your insurance needs are highly individual. Someone who drives a vintage 1950 GranTurismo twice a year needs different coverage than a driver who owns a 2022 Ghibli and has a DUI on their record, for example. On top of that, insurance companies will offer every driver a unique rate based on their specific profile.
You don’t need to blindly accept high insurance rates just because you drive a fancy car. While a Maserati driver should expect to pay more for insurance than a Honda Civic driver, cheap car insurance is still possible for you!
Jerry is a licensed insurance broker and the world’s first super app for car owners. Jerry is your best bet for finding the right coverage at the right price—whether you drive a Ghibli or an MC20. This article explains what affects Maserati car insurance costs, so you can be strategic about crafting the perfect policy.
How much does Maserati car insurance cost?
The average annual cost of car insurance coverage for a Maserati vehicle is $2,812. But your rate may vary substantially from this figure.
Insurance companies calculate premiums based not only on your model but also on your driving history and location. Every company has its own unique formula, too. For instance, two drivers with the exact same car could pay two different rates with two different companies.
In general, the cost of Maserati car insurance is quite high. Here are a few reasons why this make is particularly expensive to insure:
- Maserati is a premium luxury brand with a high price tag, so replacement parts and skilled mechanics can be more difficult to find (and more expensive)
- Maseratis come from Italian racecar stock, and insurers assume that Maserati drivers enjoy performance-level (aka sometimes dangerous) driving
Things get a little more complicated once you factor in model year, safety features, and custom upgrades. Every one of these elements can impact your Maserati’s premium.
Original price and uniqueness are two major factors that can increase insurance costs. For instance, a $100,000 Quattroporte is likely to cost more to insure than an $80,000 Ghibli—and a Quattroporte with custom trim and sound system will cost more to insure than a factory-direct Quattroporte.
That said, safety features can help decrease your insurance costs—that new security system could actually pay itself off!
The only way to know that you are getting the absolute lowest price on Maserati insurance is to shop around for rates. In 45 seconds, the Jerry app can bring up rates from top companies based on your unique driver profile. When you find a low rate, just tap to switch over—Jerry will handle all the paperwork and phone calls.
Curious about the types of Maserati insurance quotes you could receive from Jerry? Take a peek below for feedback from real Jerry customers:
|Quote Date||Car||Location||Zip Code||Name||Age||Carrier|
|October 5, 2022||Maserati Ghibli S||Tolland, CT||06084||Alejandro G.||44||Progressive||$271/mo.||$216/mo.|
|September 27, 2022||Maserati Ghibli||Los Angeles, CA||90042||Zachary M.||39||Encompass||$463/mo.||$373/mo.|
|September 24, 2022||Maserati Ghibli S||Dallas, TX||75234||Tom M.||35||Safeco||$469/mo.||$390/mo.|
What kind of insurance do I need for a Maserati?
The first thing you need to consider is your state’s minimum insurance requirements.
In the majority of states, the bare minimum for all drivers is liability coverage (including both bodily injury liability and property damage liability). If you are at fault in an accident, this coverage helps you pay for the other drivers’ expenses instead of paying out-of-pocket.
Some states require additional insurance, such as:
- MedPay (Medical payments) coverage: Pays for some medical expenses for you and your passengers
- Uninsured/underinsured motorist coverage: Covers costs if you get into an accident with a driver who has no insurance or insufficient insurance to cover your expenses.
In terms of legal compliance, your Maserati is good to go once you have met your state minimum requirements. However, the legal minimum probably does not offer enough coverage for most modern vehicles—especially a brand new MC20 or a custom Levante.
You can upgrade to insurance with collision and comprehensive protection, or what is sometimes referred to as “full-coverage insurance”. These policies cover you and your Maserati if you are the victim of an accident, extreme weather, theft, or vandalism.
If you are financing a Maserati, be aware that “full coverage” may be required by your lender. Check your agreement carefully, as gap insurance may also be required.
Maserati insurance cost by model
While every Maserati will be more expensive to insure than a basic Toyota, your specific model will influence the price of insurance.
In general, smaller vehicles like sedans and crossovers cost less to insure whereas SUVs and coupes cost more to insure. This means you can expect to pay more to insure a Grecale than a Ghibli.
Let’s take a closer look at the average annual premiums for popular Maserati models to understand how the model could affect your insurance rate.
How much does Maserati GranTurismo insurance cost?
The Maserati GranTurismo is a powerful coupe or convertible in the Grand Tourer family, which was produced between 2007 and 2019. Performance vehicles tend to cost more to insure than passenger sedans, and these cars are no different.
The GranTurismo is more costly to insure than almost any other car on the market due to its high MSRP, robust technology, and options for add-ons like adaptive suspension.
How much does Maserati Ghibli insurance cost?
The modern Ghibli is a four-door sedan with a luxurious appearance and a sexy exhaust note. The cheaper price tag has made the Ghibli a popular entry-level Maserati, and insurance costs for a Maserati Ghibli are generally lower than for other Maserati models.
Here’s a table that shows full versus minimum coverage rates for different Ghibli model years:
|Car||Full Coverage||Minimum Coverage|
|2018 Maserati Ghibli||$4,982||$1,197|
|2017 Maserati Ghibli||$3,433||$1,858|
|2016 Maserati Ghibli||$3,943||$1,486|
Of course, your driving record and credit score can also impact the cost of Ghibli insurance. If you have any speeding tickets on your record—we get it, it’s easy to exceed the limit when driving a Maserati!—your insurance cost may be impacted.
For more information, check out our in-depth guide to Maserati Ghibli insurance costs!
How much does Maserati Quattroporte insurance cost?
Maserati’s performance sedan is the Quattroporte, a vigorous V6 or V8 vehicle beloved for its aesthetics and upscale driving experience—and is there anything more attractive than a vehicle that looks as good as it performs?
How much does Maserati Levante insurance cost?
The Levante brings Maserati’s trademark luxury and power to a family-friendly crossover SUV. This vehicle may be the most affordable Maserati to insure, thanks to safety features and a (relatively) cheap price tag when compared to the rest of the Maserati family.
How much does Maserati MC20 insurance cost?
This sleek sportscar is basically a road-legal racecar. You’ll pay an exorbitant fee to own the MC20, and you can expect the same high prices to insure this vehicle.
Unique features like a retractable glass roof, a digital rearview mirror, and an optional front suspension lift are distinctive with this model—but they also contribute to the MC20’s high insurance premium.
Compare Maserati car insurance quotes
If you like going from 0 to 60 in 3.2 seconds, you should try the speedy Jerry app. Jerry allows you to compare car insurance quotes in just 45 seconds. Don’t take the first rate you’re offered at the Maserati dealership!
Jerry is a licensed insurance broker and a powerful smartphone app. Ask the Jerry app to pull quotes for you and unlock the lowest possible rate. Just because you drive a fancy car doesn’t mean you should pay unnecessarily high insurance prices, right?
“As a young person who owns a sports car and a high-end sedan, I couldn’t find quotes below a certain threshold. By using Jerry, I managed to find full comprehensive coverage on both vehicles and saved $150 a month!” —Channing Y.
Best car insurance companies for your Maserati
You should know that not all companies will insure exotic cars. Maserati is considered a performance luxury brand, so you may not be eligible for coverage with some mainstream insurers. For instance, GEICO does not currently sell insurance for Maseratis.
Maserati drivers may find some of the best rates from companies like Safeco, Allstate, Progressive, and Travelers. Since car insurance rates are very individual, keep in mind that no single company offers a guaranteed cheapest rate for all Maseratis.
One company may value safety features more whereas another company will give you discounts that fit your profile. To find the lowest rate for your specific situation, use the Jerry app to shop around. Jerry simplifies the research process by pulling quotes from multiple companies, so you can find the right provider for your needs.
Check out these quotes for Maserati insurance from different providers (and see how much Jerry could help you save!).
Annual Savings with Jerry
|National General||$4,963||$1,602||Compare Prices|
|State Auto||$3,520||$1,287||Compare Prices|
Maserati insurance by driving record
In addition to your make and model, your driving record has a major influence on the cost of insurance. In simple terms, drive safely and you’ll pay less for insurance. Drive unsafely, and you’ll pay more.
Minor and major violations, including speeding tickets and DUIs, will drive up the price you pay for coverage. Get a speeding ticket and expect an average increase of $2,812 to your annual premium. Get a DUI and you’ll pay $4,522 more every year for coverage.
If you manage to clear your driving record, you’ll save a ton on insurance. Here’s a quick glimpse at what you might pay for Maserati insurance with violations on your record:
Maserati car insurance cost by location
Your location is also a critical factor. Insurance rates vary by state, so a Maserati owner in California will pay a different rate than a Maserati owner in Georgia. Urban versus rural zip codes may also affect your rate as there are typically more traffic accidents in congested metropolitan areas than on country roads.
Here are some state-by-state rates for Maserati coverage.
Annual Savings with Jerry
|El Paso||$2,160||$544||Compare Prices|
|Los Angeles||$4,153||$1,398||Compare Prices|
|South Boston||$7,152||$2,686||Compare Prices|