These Are The Most Expensive Cars To Insure In 2022

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Buyers must consider more than just the monthly payment when searching for a new car, such as fuel, periodic maintenance, tire changes, and of course, insurance. And just like for everything else mentioned before, the prices for insurance vary substantially, with the most expensive automobile to insure in the United States costing roughly four times as much as the least expensive to insure.



While you may be able to afford the auto payments, the cost of luxury car insurance may be prohibitive. Luxury and high-performance vehicles are among the most pricey to insure, with the Maserati Quattroporte topping the list. In order to assist shoppers in determining the cost of insuring their new automobile. Insure.com evaluated the premiums of roughly 3,000 distinct automobile models across six significant insurance carriers in each of the 50 states, using 10 different postal codes. The estimates are based on a single 40-year-old male who journeys 12 miles to work each day. And while the exact rates for other types of motorists in various situations may vary, Insure.com expects the rank order to remain consistent. These are the most expensive cars to insure in 2022, according to Insure.com.

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10 Maserati Ghibli Trofeo: $3,840

The 2022 Maserati Ghibli takes a unique approach to the midsize luxury sedan, and the red paint on the engine’s intake manifolds and valve covers quickly reveal its Ferrari heritage. This distinguishes the $115,795 Ghibli Trofeo from the rest.

However, if you can get over that, the Ghibli is a comfy and enjoyable-to-drive luxury sedan that competes with the BMW M5 and Mercedes-AMG E 63. To insure this Ferrari-Esque Italian performance car, expect to pay around $3,840 per year.

Related: A Look Back At 55 Years Of The Maserati Ghibli

9 BMW M760i xDrive: $3,911

For decades, the BMW 7 Series has served as the brand’s flagship sedan. It sits above the 5 Series and alongside the 8 Series Gran Coupe. While the name suggests that the 8 Series Gran Coupe is a step-up, it is significantly smaller and has less interior space than the 7 Series, and it lacks a V12 engine option.

They adorned this behemoth of a car with M Performance goods to set it apart from the competition. The real show-stealer is what’s under the hood: a 6.6-liter twin-turbocharged V12 engine with 600 horsepower. We don’t mind paying $3,911 every year to insure this V12 beast.

Related: 5 Fastest Mercedes-Benz AMG Cars (Vs 5 BMW M Cars)

8 2022 Audi RS6 Avant: $3,922

The Audi RS6 is a sensible family car with supercar performance. Audi RS6 Avant is for enthusiasts who desire all the thrills and performance of an RS car without sacrificing the versatility and space given by a wagon. They combined this supercar performance with a boot capacity of 1,680 liters.

This car directly challenges the Mercedes-AMG E63 Estate and the Porsche Panamera Turbo Sport Turismo. It, however, undercuts them all with pricing starting at $116,500. Its annual average insurance price of $3,922 is also slightly more reasonable than the Panamera’s.

Related: 10 Things To Know Before Buying The 2022 Audi RS6 Avant

7 2022 Audi R8 V10 Performance: $3,976

The Audi R8 2022 is a stylish and powerful V10-powered performance car from Audi Sport, the automaker’s performance division. The R8 sports car, Audi’s highest model, has a raging 602-hp V10 engine hidden behind its small two-seat cabin.

Prices begin at slightly over $147,995, which is a massive sum of money. Nonetheless, it’s a good deal for a supercar, especially one with a unique engine like this one. But not in the insurance department, because the R8 V10 Performance can cost up to $3,976 each year to insure.

Related: The 2022 Audi R8 V10 Performance RWD Is The Last Of Its Kind

6 Porsche Taycan Turbo S: $4,028

Porsche’s first electric vehicle, the Taycan, has left the entire market of enthusiasts impressed and has been one of our favorite electric cars on the road since its launch. When it comes to straight-line performance, the Model S and the Taycan are in tight competition.

However, the Taycan trumps the Model S in the insurance department, costing $4,028 per year on average. There will always be comparisons to the Tesla Model S, particularly given Porsche’s expected range, but the 2022 Taycan is undoubtedly the more exhilarating option.

Related: 10 Insane Supercars The Porsche Taycan Turbo S Would Destroy On The Track

5 Tesla Model S Plaid: $4,115

A Tesla Model S Plaid annual policy costs roughly $4,115, making it the priciest Tesla model to insure. The parts required to fix a Model S are more expensive and difficult to come by, resulting in higher premiums.

It can cost thousands of dollars to replace the battery in an electric car. So one can imagine how costly it is to repair or replace this EV after a serious accident.


4 Audi RS E-tron GT: $4,150

The Porsche Taycan is a crowd favorite, and the Audi RS e-Tron GT appears to be on its way to joining it on the top. The RS e-Tron GT is the high-performance variant of the e-Tron GT, as you could expect from Audi’s RS emblem.

It has 100 horsepower more than the e-Tron GT and speeds up from zero to sixty in 2.9 seconds. The 2022 Audi RS E-Tron GT is also among the costliest electric vehicles to insure, though. Insuring the RS costs an average of $4,150 per year.

Related: Pushing The Boundaries With Ken Block And His Audi RS E-Tron GT

3 2022 Porsche Panamera: $4,129-$4,221

While several luxury sedans provide more comfort than the Panamera, very few cars can match its acceleration. Turbo S and Turbo S E-Hybrid Executive versions are among the fanciest cars to insure in 2022, according to the list. This Executive follows the same formula as the others, but with greater authority.

That means a 690-hp twin-turbo V8 and electric motor, as well as a long-wheelbase with added rear-seat luxury, and ceramic brakes that do an excellent job of slowing you down when you hit the top speed of 196 mph. The Panamera Turbo S costs on average $4,129 per year in insurance, while the Turbo S E-Hybrid Executive costs $4,221.


2 BMW M8 Competition Gran Coupe: $4,054-$4,231

The twin-turbocharged 4.4-liter S63 V8 engine in BMW’s flagship coupe delivers 617 horsepower and 553 pound-feet of torque. The M8 will sprint from zero to 60 mph in three seconds flat and has an electronically-limited top speed of 156 miles per hour.

The BMW M8 Gran Coupe is one of the most expensive new BMWs on the market, with an MSRP of $130,000 before options. Depending on the trim, insurance costs between $4,054 and $4,231 every year.

1 2022 Maserati Quattroporte: $5,118-$5,176

The Maserati Quattroporte is a premium sedan that, depending on the configuration, can cost up to $5,176 per year to insure. Making it the most expensive car to insure in 2022. Insurance premiums have risen because of the high-end trimmings and powerful engines.

Insurers often believe that someone driving this automobile aggressively will increase the risk to the insurance company and raise your premiums. The expense of replacing or repairing this car’s parts is similarly high, contributing to the higher insurance premiums.



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