Sporty and Spendy: This Year’s Most Expensive Vehicles to Insure

There are many cars on the road today built with just one thing in mind: speed. These are not cars taken to drive leisurely around town, or used for work and errands on a daily basis. These are the cars boasting lightning fast speeds, and also extremely high insurance rates. Nissan, BMW, Mercedes-Benz, and Porsche all have these speedy models, which also come with the highest insurance rates of 2014.

Porsche Panamera Turbo S

According to, the Porsche Panamera Turbo S is fifth on the list of cars with a pricey insurance rate for 2014. On average, it costs $2970 to insure this car every year. Why such a high price tag? The Porsche Panamera Turbo S boasts 570 horsepower with turbochargers, allowing this vehicle to top out at speeds of 192 miles per hour. In addition to its ability to reach breakneck speeds, the Porsche Panamera Turbo S is also a four-seater, adding backseat passengers to its risk potential.

Mercedes-Benz CL550 4Matic AWD

The Mercedes-Benz CL550 4Matic AWD comes in next on the list of cars with the highest insurance prices of 2014. On average, this car costs $3019 annually to insure. The reasoning behind this price is simple—this car is designed to throw caution to the wind, with 429 horsepower and the ability to go from 0-60 miles per hour in 4.8 seconds.


The BMW M6 is the second most expensive car to insure in 2014. The 560 horsepower engine and the ability to accelerate from 0-60 miles per hour in just 4.1 seconds give this car the speed many crave, and the liability insurance companies dread. Because of this, the cost to insure the BMW M6 is $3065 annually. The coupe model of the M6 is even costlier, due to its lightweight carbon-fiber roof, which both increases its speed and makes it more prone to damage in the event of a collision. 

Nissan GT-R Track Edition

Finally, in the number one category of the most expensive cars to insure is a vehicle with a maker that might surprise you. Nissan’s GT-R Track Edition is the premier sports car for those enamored with the idea of achieving racing speeds. This vehicle, equipped with a turbocharged V-6 engine and a six-speed automatic clutch, accelerates from 0-60 miles per hour in 2.9 seconds and boasts a 545 horsepower engine. The newest model removed the back seat in order to increase the speed and performance of the car. To insure this vehicle, the annual cost is $3169.

A insurance specialist reports that car insurance companies typically assess a vehicle’s risk factor to determine the rates they will apply to that particular vehicle. The above listed vehicles all embody a certain amount of risk due to their ability to reach high speeds quickly. Because these cars are, on average, priced over $100,000 and have significant wreck potential, the insurance rates are much higher than those of an ordinary car or SUV.

Emma Sturgis

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