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The Highest Insurance Vehicles

Written by Michele Wilmonen. Posted in Research Last Updated: 08/31/2012

Your dream car may be one of the highest insurance vehicles on the market.

Highest insurance vehicle

The Audi R8 Spyder was named as the highest insurance vehicle you can buy.

Some vehicles that we all dream of driving one day are, unfortunately, the same ones that have the highest insurance premiums. This is something that is a good thing to know in advance of purchasing the vehicle, in the case you can barely afford the vehicle itself.

If you were to purchase the vehicle that has the highest insurance premium on average, you are looking at $3,384 a year just for insurance. If you have a bad driving record, you are looking at a premium that is even higher.

Why Do These Vehicles Have Such High Insurance?

The vehicles that made the list are some of the most expensive vehicles on the market today. This means that if they get into an accident that they are much more expensive to repair or total out than other cars on the market.

Also, these vehicles are generally associated with having more accidents, and accidents at higher rates of speeds; which means costly injuries to other parties.

Rankings of the Highest Insurance Vehicles

It’s always good to know in advance how high your insurance bill will be for any new vehicle you are purchasing. This is why it is important to call your insurance agent or insurance company for a quote on how much your new insurance will be BEFORE you purchase that new vehicle. You may find that the new car payment you thought you could afford is no longer practical when you add in a higher insurance payment on top of it.

Below is a quick reference chart researched and presented by the website insure.com with the highest insurance vehicles:

Most expensive vehicles to insure (2012)

Rank Vehicle Cyl. Nat’l annual avg. rate
1 Audi R8 Spyder Quattro Convertible 10 $3,384
2 Mercedes CL600 Coupe 12 $3,307
3 Mercedes S600 12 $2,948
4 Audi R8 4.2 Quattro Coupe 8 $2,903
5 Porsche Panamera Turbo 8 $2,738
6 BMW 750i Hybrid 8 $2,701
7 Porsche 911 Turbo Convertible 6 $2,674
8 Porsche 911 Turbo S Convertible 6 $2,674
9 Mercedes CL65 AMG Coupe 12 $2,669
10 BMW 750Li Hybrid 8 $2,641
11 Mercedes SL63 AMG Convertible 8 $2,615
12 Mercedes CL63 AMG Coupe 8 $2,613
13 Jaguar XKR Supercharged Convertible 8 $2,585
14 Mercedes S63 AMG 8 $2,542
15 Mercedes C63 AMG Coupe 8 $2,532
16 Audi A8 L Quattro 12 $2,513
17 Mercedes SL550 Convertible 8 $2,458
18 Nissan GT-R Coupe Turbo 6 $2,457
19 BMW 750XI 8 $2,446
20 BMW 750i 8 $2,430

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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