Insurance premiums are among the most stressful aspects of car ownership. Depending on the vehicle, the cost can be high, straining finances.

Supercars and performance cars generally have high insurance premiums. However, others, like luxury cars and even trucks, can cost a fortune to insure.

This list contains some of the most expensive cars to insure. Each entry is chosen solely based on how much it would cost to get it on the road.

Audi R8 Quattro Performance

The Audi R8 Quattro Performance is one of the ultimate editions of Audi’s iconic supercar. Power comes from a mighty V10 engine that produces up to 611 horsepower, and the R8 has become one of the best supercars of the modern era.

However, power and speed do come at a price. According to Bank Rate, the R8 Quattro would cost a staggering $5,947 to insure each year, up $3,618 from the US national average. That is a sign of just how expensive high-performance cars can be.

Dodge Charger

Muscle car fans are still lamenting the passing of the Dodge Charger. The American company phased out the model at the end of 2023, with Dodge set to electrify the range with the new Charger Daytona EV and add V6 power in place of massive V8 engines. However, you can still buy the latest V8 Dodge Charger on the used car market.

Once again, the Charger is a high-power, high-profile car with a hefty insurance tag. Bank Rate again says the vehicle costs at least $4,738 to insure each year, up $2,409 from the average rate in the United States.

McLaren 720S

McLaren is best known as one of the world’s greatest Formula 1 teams, but it has also become a supercar manufacturer. It started with the McLaren F1, and the company has produced its fair share of icons, including the monstrous McLaren 720S.

As the name suggests, the 720S produces 720 horsepower and 568 lb-ft of torque from its 4.0-liter twin-turbocharged V8 engine. And as you might expect, the 720S is also expensive to insure. It could cost up to $4,000 a year in some cases to insure your McLaren supercar for 12 months.

Tesla Model S Performance

You might not expect an electric car to make this list, but the Tesla Model S Performance is one of the most expensive cars anyone can own. In fact, it’s not the only Tesla that ranks highly in insurance costs. According to Bank Rate, it would cost you around $5,000 to insure your Model S Performance.

That is an incredible amount of money and puts the EV firmly into the luxury range when it comes to its insurance. Only supercars and sports cars can come close to rivaling Tesla’s insurance costs.

Tesla Model X

One of Tesla’s flagships is the massive Model X. The Model X is one of the most expensive cars in the Tesla lineup, costing $66,990 for the all-wheel drive version and $88,490 for the Plaid.

You won’t find the Model X any cheaper to insure, either. Bank Rate says that the Model X will set you back $4,932 annually to insure, which is around $2,605 higher than the national average. The Model X is easily one of the most expensive EVs currently on sale.

Rolls-Royce Wraith

Unsurprisingly, the Rolls-Royce Wraith makes this list. The British manufacturer introduced the Wraith in 2013 and produced it until 2023, when it discontinued the model. Power came from a massive 6.5-liter BMW V12 twin-turbo engine, with the Wraith producing up to 623 horsepower and 642 lb-ft of torque.

Don’t expect to strike out lucky on the insurance costs. The Wraith will set you back up to £10,500 a year according to What Car, which roughly converts to $13,300. It is a truly staggering amount for anyone to pay.

Bugatti Veyron

It won’t surprise anyone to learn that the Bugatti Veyron hits the list of one of the most expensive cars to insure. The Bugatti supercar was launched in 2005 and stunned the world with its 250 mph top speed and 1,000 horsepower.

That power came from an 8.0-liter quad-turbocharged Volkswagen W16 engine, one of the largest ever fitted to a production car. Its performance means you’re likely going to pay $20,000 to insure the Veyron, with some companies likely wanting to charge you even more.

Rimac Nevera

The Rimac Nevera is one of the most outrageous performance cars ever made. Rimac themselves say it has “unrivaled performance,” with the four electric motors combining to produce 1,888 horsepower. The Nevera has also broken several production car records since it entered production.

Your insurance premiums could go through the roof should you own a Nevera. In fact, you’re looking at roughly the same $20,000 ballpark as you would expect to pay to insure the Veyron.

Nissan GT-R

Nissan’s Skyline GT-R range was one of the most well-known Japanese manufacturers, and they continued their story with the R35 GT-R, launched in 2009. While no longer a Skyline, the new GT-R still came with bundles of power thanks to its 3.8-liter twin-turbocharged BR38 DETT V6 engine, producing up to 562 horsepower.

Sadly, those who own a Nissan GT-R won’t find the insurance cheap. Smart Financial states that you can expect to pay at least $4,064 on your GT-R’s insurance per year, and that could rise further depending on what insurer you use.

Maserati Ghibli

The striking Maserati Ghibli has a long history within the company. The Italian manufacturer launched its first generation in 1967, with it remaining in production until 1973. Maserati then revived the name in 1992 with a new Marcello Gandini-designed car produced until 1998. Finally, the Ghibli made another return in 2013, with it now sporting a mild-hybrid turbocharged inline-four.

Even this hybrid power won’t bring your insurance costs down. Should you wish to own the Ghibli, you are looking at around $4,018 a year, according to Smart Financial. Its power and luxury status are reasons for this high cost.

Lexus RC F

One of the surprises on this list is just how much it costs to insure the Lexus RC F. The RX F is an excellent luxury coupe powered by a 472 horsepower 5.0-liter V8 engine with a 0-60 mph time of just 4.2 seconds. There are cars on this list that are faster than the RC F, but the Lexus still costs a lot to insure.

Bank Rate says you’re looking at an average of $4,291 for full yearly insurance with a Lexus RC F. This puts it at $1,962 over the national average—proof that luxury really doesn’t come cheap.

Ford Explorer ST

The Ford Explorer remains one of the most popular SUVs on sale in North America, and its range is one of the most diverse on the market. If you want a little extra out of your Explorer, there is the Explorer ST, which starts at $55,505 and has enough seating for six people.

Sadly, the Explorer’s high cost does not end once you buy it. With its 3.0-liter engine, insurance costs can rise to around $1,944 a year. While not as expensive as other vehicles on this list, it’s more than you expect from a mass-produced SUV.

Aston Martin DBS Superleggera

Anytime an Aston Martin appears on a list, the costs are going to be high. The DBS Superleggera, a sports car launched in 2018, is a prime example. Power comes from a massive 5.2-liter AE31 twin-turbocharged V12 engine producing between 715-759 horsepower. You are looking at a price tag of over $330,000 to buy a DBS.

The costs, naturally, don’t end there. Thanks to its performance and luxury, insurance will cost up to $5,000 for the Aston Martin DBS and possibly more, depending on who you choose for insurance.