The Top 10 Most Expensive Cars to Insure

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  • Expensive cars to insure
  • Chevrolet
  • Volkswagen
  • Infiniti
  • Audi
  • Mercedes-Benz
  • Jeep Wrangler
  • Ford Mustang
  • Ford Edge
  • Dodge
  • Cadillac
  • What impacts my insurance rate?
  • FAQs
According to real quotes from Jerry drivers, the most expensive car to insure is none other than the indomitable yet classy Cadillac Escalade.
Some cars are simply more expensive to insure than others. And no one likes being surprised by an out-of-this-world insurance premium.
That’s why the car insurance comparison insurance app Jerry used car insurance quotes from real customers to determine the most expensive cars to insure in the US.
And Jerry doesn’t stop there.
If you’re shopping for car insurance, all it takes is roughly 45 seconds to generate competitive quotes from top providers. Drivers save an average of $879 a year when they switch with Jerry.
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The Top 10 Most Expensive Cars to Insure

Just because these cars are expensive doesn’t mean you can find a deal!
Drivers that own the cars on this list save big on insurance when they switch carriers with Jerry.
See for yourself!

Chevrolet Camaro LT

The car for people who love to drive.
The Camaro does two things really well: making noise and going fast. Car enthusiasts have had a long-time love affair with the Camaro because of its excellent handling, plethora of customization options, and affordable price points.
There’s a reason why it’s one of the most popular cars.
Every model can be enhanced with the performance package. The Chevy infotainment system offers new wireless functionality with optional built-in 4G WiFi hotspot.
And while safety features might not be top of mind, the Camaro boasts an ultra-high-strength steel safety cage and various active safety technologies to help avoid collisions.
If you’re in the market for a fast, sporty vehicle, the Camaro should be at the top of your list.
  • Average annual premium before Jerry: $3495
  • Average annual premium after Jerry: $2811
  • Miles per gallon: City 18 / highway 29
  • Car & Driver rating: 8 (2021)
  • List price: $25,995 (2021)

Volkswagen GTI S/SE

The perfect balance of classy, fun, and practical.
The Volkswagen GTI is a sports compact that offers an exceptional drive—so much so that it’s made Car and Driver’s top 10 list multiple times. Drivers love its nimble handling, incredible versatility, and sleek styling.
All GTI models include manual transmission, promising an engaging driving experience. There’s a spacious, well-crafted interior with easy-to-fold seats and plenty of room for cargo. An array of driver assistance tech is available, though none comes standard.
  • Average annual premium before Jerry: $3574
  • Average annual premium after Jerry: $2847
  • Miles per gallon: City 23 / highway 30
  • Car & Driver rating: 10 (2021)
  • List price: $29,690 (2021)

Infiniti Q50 Base

Equal parts sporty and luxurious.
The midsize Q50 sedan is Infiniti’s answer to the BMW 3-series and Mercedes-Benz C-class. It offers a V6 powertrain for quick acceleration and the type of comfortable ride you’d expect from a luxury brand.
Standard tech includes a dual-screen infotainment system with the ability to pair up to seven devices to the WiFi hotspot. There’s also a wide range of driver-assistance features, though it doesn’t come standard on the base model.
  • Average annual premium before Jerry: $4773
  • Average annual premium after Jerry: $2922
  • Miles per gallon: City 20 / highway 29
  • Car & Driver rating: 6 (2021)
  • List price: $37,625 (2021)
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Audi Q7 Premium Plus

Sporty and stylish—and perfect for the whole family.
The first SUV on our list, the Q7 is Audi’s best-suited luxury family vehicle. It offers a minimalist design and comfortable seats, is loaded with tech, and is straight-up fun to drive. It’s exactly what you’d expect from an Audi.
All-wheel drive comes standard on all trims, as does the 10.1-inch touchscreen infotainment system, virtual cockpit digital gauge display, and 4G LTE WiFi. It also has a handful of driver-assistance tech, some of which comes standard and some available for upgrade.
All things considered, there’s no question that the Audi Q7 gives the much pricier Porsche Cayenne a run for its money!
And while it might be one of the most expensive cars to insure, Jerry customers have found some pretty sweet deals to lower their insurance premiums on it.
  • Average annual premium before Jerry: $4036
  • Average annual premium after Jerry: $2928
  • Miles per gallon: City 18 / highway 23
  • Car & Driver rating: 8 (2021)
  • List price: $56,045 (2021)
“I have tried so many ways of getting car insurance but everything I came across was so expensive. Until I came across Jerry, they compared quotes and got me the best price! It was quick and easy!” - Satisfied Jerry User

Mercedes-Benz C300

An upscale experience from Mercedes-Benz.
The Mercedes C-class hits the sweet spot between sporty and soft. It offers a beautiful and classy design, a comfortable ride, and lots of great features that come standard.
The C300 comes in three models—sedan, coupe, and convertible—all with excellent handling, standard rear-wheel drive, and heated front seats.
Tech features include a 7-inch central display screen on the base trim, Bluetooth phone and streaming audio, dual USB ports, HD radio, and a five-speaker sound system. It also offers a handful of driver-assistance safety features.
  • Average annual premium before Jerry: $3738
  • Average annual premium after Jerry: $2994
  • Miles per gallon: City 22 / highway 33
  • Car & Driver rating: 8.5 (2021)
  • List price: $42,650 (2021)

Jeep Wrangler Unlimited Sahara

Iconic design with off-road capabilities.
When you hear ‘Jeep Wrangler,’ you think of off-road adventures. And that’s exactly the way it should be.
The Wrangler balances modern comforts like air conditioning, power windows, and heated mirrors with a design that throws back to old military vehicles.
The Unlimited models offer four doors for plenty of space and a plug-in hybrid 4xe powertrain option. The entertainment interface, Uconnect, is available on a touchscreen with optional Apple CarPlay and Android Auto, navigation, and a nine-speaker Alpine audio system.
Few vehicles compete with Jeep for a rugged yet comfortable driving experience.
  • Average annual premium before Jerry: $4037
  • Average annual premium after Jerry: $3029
  • Miles per gallon: City 20 / highway 24
  • Car & Driver rating: 7.5 (2021)
  • List price: $29,970 (2021)
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Ford Mustang GT

A classic American pony car.
Few cars have such a legendary history as the Ford Mustang.
With impeccable bodywork, a practical interior, and seemingly endless options for customization, the Mustang delivers something for every driver.
The Mustang offers great handling and ride quality, boasting a four-cylinder that’s more powerful than it sounds. There are various upgrades available to take performance to the next level.
In terms of tech, the car comes with more driver-assistance technology than any other pony car, as well as an optional Sync 3 infotainment system.
  • Average annual premium before Jerry: $4095
  • Average annual premium after Jerry: $3138
  • Miles per gallon: City 21 / highway 30
  • Car & Driver rating: 8.5 (2021)
  • List price: $28,350 (2021)

Ford Edge SE

A family SUV with some serious speed.
This midsize SUV might not seem like a luxury vehicle, but it’s up there when it comes to high insurance premiums.
The Ford Edge is a formidable competitor in the two-row-seating crossover category. It prioritizes passenger comfort, offering a spacious interior with plenty of room for both people and cargo.
Tech-wise, the vehicle boasts a large display, the latest Sync 4 software, and a myriad of driver-assistance features that come standard, including lane-keeping assist and automated emergency braking.
Surprisingly, the Edge keeps pace with the Volkswagen GTI when it comes to power—so if you love speed but are looking for something a little bigger, it might fit the bill.
  • Average annual premium before Jerry: $3397
  • Average annual premium after Jerry: $3290
  • Miles per gallon: City 21 / highway 29
  • Car & Driver rating: 6.5 (2021)
  • List price: $32,495 (2021)

Dodge Charger

A practical muscle car if there ever was one.
The Dodge Charger might be the coolest full-size sedan out there.
Its rumbly V8 engines and high-performance options are balanced out by a practical interior with decent passenger space and tons of options.
Most people love the Charger for the customization, including a performance package, dual-mode exhaust, a leather-wrapped steering wheel, and 20-inch rims.
A driver convenience package is available for those who want the security of blind-spot monitoring, rear cross-traffic alerts, upgraded headlights, and heated mirrors.
While the Charger lacks the luxury aspects of competitors like the Toyota Avalon, it makes up for it with affordability and a fun driving experience.
  • Average annual premium before Jerry: $5251
  • Average annual premium after Jerry: $3912
  • Miles per gallon: City 16 / highway 25
  • Car & Driver rating: 6.5 (2021)
  • List price: $31,490 (2021)

Cadillac Escalade Luxury

Style, prestige, reliability.
The Escalade takes the top spot for the most expensive car to insure. It also has the biggest price tag on our top-10 list!
This full-size SUV is Cadillac’s largest and comes standard with a 10-speed automatic transmission and options for either rear or all-wheel drive.
It offers the perfect combination of comfort, luxury, and practicality, with lots of room for passengers and extensive cargo space.
And tech-wise, the Escalade has you covered. The digital dashboard is massive and includes an augmented reality navigation system, while audio streams from the standard 19-speaker AKG studio sound system.
There are plenty of standard driver-assistance features, plus an available Super Cruise semi-autonomous drive mode.
  • Average annual premium before Jerry: $5387
  • Average annual premium after Jerry: $4944
  • Miles per gallon: City 21 / highway 27
  • Car & Driver rating: 8.5 (2021)
  • List price: $77,490
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Factors that impact your car insurance rate

Vehicle size
You’re less likely to get injured in a large vehicle, like an Infiniti Q50, than a smaller one, like a sporty Volkswagen GTI. Insurance companies charge a higher premium for smaller vehicles to account for the increased risk.
Vehicle type
The average insurance is more expensive on luxury cars because repair costs are higher in the event of an incident. Sports cars, like the Camaro and Mustang, also have higher premiums since they’re seen as having increased risk.
Vehicle safety ratings and features
Since you’re less likely to be injured in a vehicle with excellent safety ratings, car insurance premiums tend to be lower.
Newer cars often have more safety features such as back-up cameras, lane-assist technology, and automatic emergency braking, all of which tend to push insurance rates down.
Driving record
A good driving record can go a long way to lowering your insurance premium. If you’re an experienced driver with no tickets or accidents on your record, you’re in good shape.
Location
Where you live can have a significant impact on your insurance rate. The areas with the lowest rates tend to be less densely populated, have a high percentage of insured drivers, and are not subject to severe weather (like hurricanes or snowstorms).
Age and marital status
In general, insurance companies have found that older, married, female drivers tend to get into the fewest accidents. If you don’t tick those boxes, it’s likely that your insurance premiums will be higher.
Credit score
Not all states consider credit scores when setting premiums. Among those that do, an excellent credit score can mean discounts while a poor credit score can raise a red flag for insurers.
Are you looking to insure a luxury car? Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app!
It takes less than a minute to sign up and you’ll be presented with competitive quotes from up to 40 top providers. You don’t lose coverage, you just find savings.

Frequently asked questions

Why are some cars more expensive to insure than others?

If anything happens to your car, your insurance company is responsible for compensating you for its value.
Cars that are worth more—and that cost more to repair—are typically more expensive to insure. This is why luxury and sports vehicles usually come with higher insurance premiums.

Why are electric cars more expensive to insure?

Electric cars tend to be filled with cutting-edge technology like batteries, sensors, and more. This can make them pricey to repair in the event of an accident, which increases the risk for your insurance company.
You pay for this risk in the form of higher insurance premiums.

How do I find the cheapest insurance for my car?

Comparison shopping will net you the cheapest insurance—and there’s no easier way to do it than with Jerry.
Jerry provides you with competitive quotes in under a minute. And once you find your deal, making the switch is just as effortless.
Jerry takes care of all the paperwork, phone calls, and even cancels your old policy on your behalf—and did we mention that it’s free?
When renewal time comes up, Jerry keeps the savings coming by presenting you with more competitive quotes. So no matter which car you choose, you’ll be confident that you always have the best coverage.
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