The World's Most Pricy Cars to Insure

You can undoubtedly tell by now that we love luxury on this site. You've probably also noticed that we have a rather large obsession with fine cars. What we haven't covered is the cost of insurance on some of these luxury feats of automotive engineering, and then the more, er... "normal people" cars. Insurance in itself is a sort of luxury item - some policies cost as much as a year's rent in foreign countries.

While insurance is based on many factors, the one that sits at the forefront is the cost of the vehicle. If you drive a beat-up '92 Tercel, you're probably not going to be nicked as badly on your insurance (although, repairs might eat into your beer money a bit!). On the other hand, if you're cruising around in a Porsche 911, you can expect your rates to spike. Why? Mainly because in the event of an accident, it costs more to repair or even replace high-end vehicles.

Other considerations when having a policy issued can include your age, driving record, gender, marital status, etc., etc. While this seems a little unfair, these insurance agencies have statisticians sitting around figuring out how likely someone is to run into that phone pole again (yes, we know, we know... they saw a dog crossing the street, swerved to miss it and just HAPPENED to be holding their cell phone when it all went down).

If you're curious about how much it costs to insure spendy and semi-spendy cars, read on. We've compiled some insurance quotes using Insure.com's study as a reference point. The numbers can vary wildly, due to the differences in state laws, etc., that can govern policy prices. Do you live in one of the ten most expensive states to insure your car in? Check these states out to see if your home state is on the list:

  • California ($1,962)
  • Florida ($1,830)
  • Georgia ($2,201)
  • Louisiana ($1,971)
  • Michigan ($2,551)
  • Montana ($2,013)
  • West Virginia ($2,518)
  • New Jersey ($1,905)
  • Washington, D.C. ($2,217)
  • Rhode Island ($2,020)

Well, aren't we just Debbie Downer's favorite people today? Don't let us squash your dreams of one day owning and driving a fine piece of automotive bliss. For now just read this run-down and laugh because you're not one of the people paying these exorbitant premiums! Oh, and if you are one of those that does, we applaud you on making it to the top and earning the privilege to shell out that kind of scratch! We're envious, to say the least!

Note: The premium data listed here is sourced from Insure.com and their work with Quadrant Information Services, in an effort to calculate average auto insurance rate costs for 2014 l year vehicles. This information incorporating data from Farmers, Allstate, GEICO, Progressive, Nationwide & State Farm. These averages are based on factors including full coverage for a single male of 40 years old, a clean record, good credit who commutes an average of 12 miles to his work place every day, with policy limits in place of 100/300/50, a $500 deductible for collision & comprehensive coverage.

1. Jaguar XKR Supercharged

Jaguar XKR

Average Premium: $2854

Jaguars just scream, "I'm capable of sooo much speed! Pull me over and make your quota!" This model is no exception. It offers track-optimized suspension and a 500+ horsepower punch. This gorgeous growler offers everything you might want in a luxury automobile, but comes with a nearly $3,000 insurance price tag.

2. Audi A8 L 6.3 Quattro

Audi A8

Average Premium: $2869

When you want power and speed, you have to pay the price... the price of a higher insurance premium. With 500 horsepower, this performance car delivers everything you might expect in an Audi, including speed and luxury.

3. Mercedes G63 AMG

G63 AMG

Average Premium: $2887

This car screams down the road, despite its boxy stature and hefty girth. This is helped along nicely by the 5.5-liter, V8, 544 horsepower engine that roars under the hood. High insurance costs? You bet!

4. Mercedes SLS GT AMG

Mercedes SLS GT AMG

Average Premium: $2986

Even though this car is dubbed as a luxury sports car, we all know that thrill-seekers and luxury-lovers alike will jump at the opportunity to buy and drive this car. How could they not, with its sleek, sexy lines and Hand-built V-8 4.0L AMG biturbo under the hood?

5. Mercedes CL550 4matic

Mercedes-CL550

Average Premium: $3019

How can you not love a car that offers a 4.7-liter V8 engine in a 2-door car? Its aerodynamic hood captures 429 horsepower, giving it a goodly amount of kick. Overkill and sex-on-wheels. We'll take two, thank-you-very-much.

6. Mercedes-Benz E63 AMG 4Matic Wagon

Mercedes Benz AMG 4Matic Wagon

Average Premium: $3042

It may carry a 4-star NHTSA safety rating, but it better with its 5.5-liter, V8 twin-turbo, 577 horsepower engine straining to be let loose under the hood. It isn't the the most beautiful Mercedes, but performance-wise, this car is pretty kick-ass. It boasts an automatic 7-speed transmission and all-wheel drive.

7. BMW M6 Convertible

BMW M6 Convertible

Average Premium: $3115

Regardless of its provenance, the insurance companies are going to hit you hard if you drive a convertible. Throw into the mix a 550 horsepower engine, and you're talking trouble with a gear shift. This little powerhouse will rack up the insurance bills, but the pleasure you can derive from it will be worth it.

8. BMW 760Li

BMW 760Li

Average Premium: $3147

Driving aficionados will find themselves elated to be able to enjoy this super-swank car with a loaded cabin and powerful stats. The 445 horsepower, 4.4-liter, twin-turbo, V8 engine will move along effortlessly. This gem can also have the added option of all-wheel drive, making for the perfect luxury-meets-function car.

9. Porsche Panamera Turbo Executive

Porsche Panamera Turbo Executive

Average Premium: $3174

It may look like a soccer mom car, but this Porsche Panamera Turbo Executive packs the punch of its svelt cousin, the 911. With it's 4.8-liter, V8, 520 horsepower engine, it's a wolf in sheep's clothing. Cunningly deceptive and oh-so-fantastic to drive!

10. Audi R8 5.2 Spyder Quattro

Audi R8 5.2 Spyder Quattro

Average Premium: $3206

The Audi R8 Spyder is a sight to behold. It's looks are only the beginning, though. It performs with precision, a perfect frame housing a 525 horsepower, V10 engine, letting forth a giant roar when you turn it loose on the road.

11. Porsche 911 Carrera S Cabriolet

Porsche 911 Carrera S Cabriolet

Average Premium: $3216

This 911 Carrera is all about the power. The 3.8-liter, twin-turbo engine will propel you from 0 - 60 mph in just 3.2 seconds, reaching a max speed of 195 mph. For the pleasure of being able to drive this beauty, you will spend upwards of $3,000 annually on your insurance premium.

12. Dodge Viper SRT10 Coupe

Dodge Viper SRT10 Coupe

Average Premium: $3,318

Muscle cars generally tend to have higher premiums attached, and this hot Dodge is not exception to that rule. With an enormous V10 engine under the hood, its 500 horsepower will allow you to reach a whopping 202 mph. Hearing that growl under the hood makes the premium worth it.

13. Mercedes-Benz AMG SL65

Mercedes Benz AMG SL65

Average Premium: $3573

Again, how can you not feel empowered by a Mercedes, and especially the AMG SL65? This hot little roadster offers up the power of a 6.0-liter, AMG biturbo, V12, unleashing the might of 621 horsepower. Great things come in small packages.

14. Nissan GTR Nismo

Nissan GTR NISMO

Average Premium: $3574

600 horsepower combines with a 3.8-liter, V6 engine to bring to life trouble on wheels. The GTR will knock your socks off with its unparalleled speed and road-hugging profile. This is definitely not the best option for gridlock commuting - you'll be aching to turn this baby loose the second you get it on the road.