The Most Expensive Vehicle Makes To Insure

From Bentleys and Rolls-Royces to Porsches, Cadillacs, and Chevy trucks, you’ll get the lowdown on the most expensive vehicle makes to insure.
Written by Jason Tushinski
Reviewed by Kathleen Flear
British automaker Bentley has the most expensive models to insure in the United States.
Some car makes just seem to end up at the top of every list—including the most expensive makes to insure! From Bentleys and Lamborghinis to Rolls-Royces and Porsches, trusted
car insurance
comparison app
is here with a breakdown of the most expensive cars to insure, as well as tips on what coverage you need and how to save on car insurance.
Keep reading to find out the most expensive makes to insure. And if you're trying to lower your
Cadillac car insurance costs
, you'll definitely want to read on!

What types of cars are more expensive to insure?

Luxury vehicles
, electric vehicles, sports cars, and thief magnets typically cost more to repair and replace, making them more expensive to insure.
Faster cars
also pose more risk of getting into an accident, raising rates.
Be prepared by knowing the average monthly costs to insure these vehicles. However, keep in mind that your rate will be substantially higher if you have a poor driving record.
MORE: How to get car insurance with a bad driving record


Average monthly insurance cost: $373
With a legendary Bentley, you get British style combined with the latest automotive high technology. These are high-end luxury vehicles built mainly by hand, such as the
Continental GT Mulliner
. They’re costly to buy—and thus very expensive to repair or (heaven forbid) replace. Their cost, uniqueness, and top-shelf parts make insurance expensive for these English dream machines.


Average monthly insurance cost: $350
is a classic German luxury offering with vehicles ranging from entry-level lux, such as the Class A Sedan, to the ultimate in high-end cars, such as the Mercedes-Maybach S-Class. These vehicles use expensive imported parts, which will drive your insurance costs up.


Average monthly insurance cost: $289
Lamborghini is known for studly Italian roadsters such as the
. These are some of the fastest cars on the planet, and they’re expensive to insure. Lamborghinis’ exotic nature, the limited number of them produced, and their speed (which can sometimes tempt drivers to behave recklessly) add to the sky-high insurance costs.
MORE: The Lamborghini Urus: SUV meets supercar


Average monthly insurance cost: $275
Not only is a Rolls-Royce elegant enough to be fit for Britain's royals (and your Grey Poupon), these vehicles define automotive opulence. Vehicles such as the Phantom and the Culliner SUV are renowned for excellent performance and high-end design. Rolls-Royces are also expensive to produce and therefore expensive to insure.


Average monthly insurance cost: $237
is Nissan’s luxury line and—perhaps not surprisingly—typically cost more to repair after collisions than regular Nissans. These vehicles, such as the
, are usually more expensive to insure than most midsize luxury sedans.
MORE: All the best Infiniti compact SUVs


Average monthly insurance cost: $229
Made-in-America luxury brand
. In recent years, Cadillac has been making moves to position itself as a family-friendly brand with SUVs such as the XT6 and sedans like the CT4.


Average monthly insurance cost: $220
is a sexy Italian sports car known for its high-end performance. These beasts are expensive to produce and repair. Roadsters such as the Quattroporte can tempt drivers into driving very fast (or recklessly), so insurance is quite pricey.

Chevy Truck

Average monthly insurance cost: $208
Trucks are often more expensive to produce than cars, making them
more expensive to repair and replace.
Also, some trucks are absolute mammoths on the roadway, and in less-experienced (and less calloused) hands, they can cause much more serious damage than a typical car. High-end trucks such as the
Chevrolet Silverado High Country
are often
targeted by thieves
, adding more to your insurance premium.
MORE: How to get cheap insurance for your pickup truck


Average monthly insurance cost: $196
Tesla’s batteries alone
are expensive to produce and replace, which drives up insurance costs for these electric vehicles.
are also super quick—the
Model S Plaid
can hit a lung-collapsing 175 miles per hour—not to mention its autonomous mode, which can scare people and insurers alike!


Average monthly insurance cost: $186
Porsche is a brand with impressive name recognition. Their premium parts, premium build, and high concept design—plus the fact that it’s an expensive import—mean high insurance costs. Porsches such as the
911 Turbo
are known for speed. You won’t find many Porsches in the right lane—they are left-laners, mostly.

What do you need to insure a high-end vehicle?

There are a few go-to coverage options you should have when insuring your luxury vehicle that go beyond simple liability insurance.

Liability insurance 

First things first—nearly every state requires drivers to meet minimum liability requirements. You should go beyond these limits to be safe, especially with a luxury vehicle. Minimum coverage won’t cover your own damages or medical bills if you cause an accident, and it might not even cover all of the other drivers’ damages. 

Collision and comprehensive insurance

If you’re leasing your luxury vehicle or taking out a loan to buy one, both collision and comprehensive will likely be required by the lessor or loaner. 
Collision coverage
pays for damage sustained to your own vehicle due to accidents with other vehicles or fixed objects.
Comprehensive coverage
covers you for damage to your vehicle sustained from animal damage, extreme weather, or unexpected circumstances.

Personal injury protection (PIP)

Personal injury protection
, or PIP, is required in some states and optional in others (check with your state to be sure). 
PIP pays for medical bills if you’re injured in an accident, no matter who is at fault. PIP also covers your passengers’ medical costs as well.

Gap and new car insurance 

If you owe more on your car than its depreciated value after an accident or if it's stolen,
gap insurance
will cover this cost.
New car replacement insurance
pays for the cost of the same or similar model if your car is totaled in an accident.

How to save on car insurance

The best way to lower your expensive car’s overall bill is to reduce your car insurance premium. To do that,
raise your deductible
, make sure you have an excellent credit score,
check for discounts
, and shop around for the best insurance rate you can find.

Raise your deductible

Your premium will be lower if you raise your deductible, or the amount of money you pay upfront after making a claim.
Just make sure you can pay the higher deductible (the out-of-pocket cost) before you raise it—but considering you drive a really expensive car, you probably have that covered.

Boost your credit score

A high credit score can get you
a lower insurance premium
as you’ll be seen as a lower risk to insure.
On the contrary, a low credit rating gives insurers the opposite impression—that you’re a significant risk to insure. Even a slight credit rating boost can help lower your insurance premium.


Look for’em! Most insurers offer a menu of discounts, so ask what they offer and what you qualify for.
If possible,
bundling insurance (like home and auto)
can be a great way to get discounts on both coverages.

Shop around for the best rates

We here at Jerry are no fools, and we’re pretty confident you saw this part coming—use the
app to find the best
car insurance
policy at a ridiculously affordable rate!
Even if you drive the Popemobile* or the Lunar Lander* (ok, these are probably prohibitively expensive to insure), the point is this—you’ll be able to find an excellent policy at a decent price for your luxury vehicle.
Using Jerry to do this has never been easier! Sign-up takes just 45 seconds, and then our trusted quote comparison tool analyzes more than 50 top quotes and shows you the best to choose from. Jerry does the rest once you pick your policy, from signing you up for your new plan to canceling your old one.
Best of all, Jerry users save an average of $800+ per year on car insurance—in other words, you’ll have spare cash left over to put toward that Faberge egg you’ve been eyeing!
“The savings are real!
saved me almost $1000 a year for my car insurance. Was I surprised? Yes. Was I happy? Yes!” —Sonia Z.
Thousands of customers saved on average $887/year on their car insurance with Jerry
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