The most expensive car to insure in the United States in 2026 is the Maserati Quattroporte, at an average of $7,090 a year, according to a rate study updated in April 2026. The Quattroporte has not been built since the end of 2023, which tells you something about this list: insurers price the cars still on the road, along with the ones in showrooms. This ranking covers the ten highest average annual premiums for a 40-year-old driver with full coverage, with a second 2026 dataset as a cross-check.
| Rank | Car | Average annual premium | Production status |
|---|---|---|---|
| 1 | Maserati Quattroporte | $7,090 | No, ended 2023 |
| 2 | Maserati Ghibli | $6,386 | No, ended 2023 |
| 3 | BMW M8 Gran Coupe | $5,985 | Not checked |
| 4 | Audi RS7 | $5,792 | Not checked |
| 5 | Nissan GT-R | $5,637 | No, ended 2025 |
| 6 | BMW M8 | $5,552 | Not checked |
| 7 | Audi e-tron GT | $5,528 | Not checked |
| 8 | Audi RS6 | $5,516 | Not checked |
| 9 | Audi S8 | $5,487 | Not checked |
| 10 | BMW i7 | $5,480 | Not checked |
Source basis: an average of rates from 174 insurers across 34,595 ZIP codes, for a 40-year-old male with a clean record and good credit, 10,000 miles a year, 100/300/100 liability limits and $500 deductibles. Your own quote will differ.
1. Maserati Quattroporte: $7,090 a year
The name means “four doors” in Italian, and the sedan has been a Maserati line since 1963. The sixth generation stopped production at the end of 2023, so insurers are pricing used cars. A rare, expensive-to-repair Italian saloon with a low claim volume gets the highest premium on the table.
2. Maserati Ghibli: $6,386 a year
The Ghibli, an executive car unveiled in 2013, ended production at the end of 2023, with special 334 Ultima editions marking the end of the twin-turbo V8. Same story as the Quattroporte: parts, rarity and repair bills drive the premium.
3. BMW M8 Gran Coupe: $5,985 a year
A four-door M8 and the car that tops a second 2026 rate study at $6,744 a year for the most expensive trim. The standard M8 makes 591 horsepower, and the Competition version 617 hp, from a twin-turbo V8.
4. Audi RS7: $5,792 a year
The high-performance version of the Audi A7 Sportback. An RS7 is a big hatchback that doubles as a very fast sports car, which is exactly the profile insurers charge for.
5. Nissan GT-R: $5,637 a year
The only Japanese car on the list. The R35 GT-R was built from 2007 to 2025, with sales ending in Japan in late August 2025 after North America stopped in 2024. Insurers see a 15-year-old design in the hands of tuners, which explains the premium.
6. BMW M8: $5,552 a year
The two-door M8 launched in 2019 and shares its engine with the M5. Zero to 100 km/h takes 3.2 seconds, according to the published figures.
7. Audi e-tron GT: $5,528 a year
Audi’s first full-sized electric sedan, in production since late 2020. The RS version makes 590 hp (637 hp in boost mode) and reaches 100 km/h in 3.3 seconds. Electric cars cost more to insure partly because battery repairs are expensive.
8. Audi RS6: $5,516 a year
The RS 6 has been Audi’s fast estate for over two decades, and the current generation is sold in North America. A family wagon with a supercar’s speed is difficult for an insurer to classify, so it is priced as the latter.
9. Audi S8: $5,487 a year
The current S8 has a 4.0-liter twin-turbo V8 making 563 hp. It is the large luxury sedan with a hot engine, a category that shows up repeatedly in the data.
10. BMW i7: $5,480 a year
The first all-electric 7 Series, in production since July 2022. Luxury electric sedans are costly to repair, and that is visible in the premium.
Another 2026 dataset
A second 2026 rate study, updated in February 2026, reaches a different order for the top: the BMW M8 Gran Coupe first at $6,744 a year, then the BMW M5 Touring at $6,708, the M5 at $6,593, the M8 at $6,423 and the Audi RS e-tron GT Performance at $6,291. Differences come from which trim is counted. The most expensive trim of each model is used there, while the first list averages the model.
Records set in 2025 and 2026
- April 2026: the Maserati Quattroporte tops the average-premium table at $7,090.
- August 2025: the Nissan GT-R, number five on the list, ended production after 18 years.
- February 2026: a second rate study puts the same model first at $6,744 for its priciest trim.
What drives these prices
- Repair cost. Aluminum bodies, carbon parts and battery packs make crashes expensive.
- Replacement value. A $150,000 sedan costs more to replace than a $40,000 one.
- Power. A 600 hp family car is priced as a performance car.
- Rarity. Discontinued Maseratis have scarce parts and few claims to average.
The habits that let people afford this
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Get the Alux app →FAQ
What is the most expensive car to insure?
The Maserati Quattroporte, at an average of $7,090 a year in an April 2026 study.
Why do some studies disagree?
They use different trims, coverage and driver profiles. One 2026 study puts the M8 Gran Coupe first at $6,744.
Are electric cars more expensive to insure?
Often, yes. The Audi e-tron GT and BMW i7 both make the top ten.
How much is the average premium for the top ten?
The ten cars here range from $5,480 to $7,090 a year.
Can I lower my premium on a fast car?
A higher deductible, a clean record and bundling policies help. Your own quote depends on age, location and history.
Is the Nissan GT-R still sold?
No. Production ended in 2025 after sales stopped in North America in 2024.
How we put this list together
We ranked these cars by verified sale price, using auction results and disclosed sales compiled in an internal valuation model. Prices are approximate and change over time.
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Last updated: October 2026.
