When it comes to auto insurance, not all vehicles are created equal. Insurance companies calculate premiums based on a variety of factors. Here are 18 cars that are notorious for high insurance premiums, along with the financial and data-driven reasons why.

1. Dodge Charger SRT Hellcat

The Dodge Charger SRT Hellcat is a high-performance muscle car known for its speed and power. Insurance companies set high premiums due to its high repair costs and increased likelihood of being involved in accidents. According to Insure.com, the average annual premium for this car is over $2,400.

2. Tesla Model S

The Tesla Model S, while popular for its electric performance, is expensive to repair due to its advanced technology and specialized parts. Its high value and repair costs lead to an average annual insurance premium of around $3,300.

3. BMW M4

The BMW M4 is a luxury sports car with high performance and a correspondingly high insurance cost. The average annual premium is approximately $2,200, driven by expensive parts and a higher risk of theft​.

4. Maserati Quattroporte

Luxury cars like the Maserati Quattroporte come with high insurance premiums due to their costly repairs and high theft rates. The average annual premium can reach up to $4,000, reflecting the car’s high value and repair costs​.

5. Mercedes-Benz S-Class

The Mercedes-Benz S-Class is another luxury vehicle with high insurance costs. Its advanced technology and expensive parts contribute to an average annual premium of about $2,500.

6. Audi R8

The Audi R8 is a high-performance sports car with a significant insurance premium due to its high repair costs and performance capabilities. Owners can expect to pay around $3,000 annually for insurance​.

7. Ford Mustang GT

The Ford Mustang GT, a popular muscle car, has higher insurance premiums due to its performance potential and higher accident rates. The average annual premium is approximately $2,000.

8. Chevrolet Camaro SS

Similar to the Mustang, the Chevrolet Camaro SS is a high-performance vehicle with a high accident rate. Insurance premiums average around $1,900 per year​.

9. Subaru WRX

The Subaru WRX is known for its sporty performance and appeal to younger drivers, which leads to higher accident rates. Its average annual premium is about $1,800​.

10. Porsche 911

The Porsche 911 is a luxury sports car with high insurance costs due to its value, performance, and expensive repair parts. The average annual premium is around $2,700​.

11. Honda Civic Type R

The Honda Civic Type R, a high-performance version of the popular Civic, has higher insurance costs due to its sporty nature and appeal to younger drivers. The average annual premium is about $2,100.

12. Nissan GT-R

The Nissan GT-R is a high-performance sports car with high repair costs and theft rates, leading to an average annual premium of around $3,500​.

13. Dodge Challenger

The Dodge Challenger, especially the high-performance models, has higher insurance premiums due to its powerful engine and higher likelihood of accidents. The average annual premium is about $1,900​.

14. Lexus RC F

The Lexus RC F, a luxury sports coupe, has high insurance costs due to its performance capabilities and expensive repairs. Owners can expect to pay around $2,200 annually for insurance​.

15.BMW X6

The BMW X6 is a luxury SUV with higher insurance premiums due to its value, repair costs, and theft rates. The average annual premium is about $2,400.

16. Range Rover Sport

The Range Rover Sport, known for its luxury and off-road capabilities, has high insurance costs due to its value and repair expenses. The average annual premium is around $2,600​.

17. Cadillac Escalade

The Cadillac Escalade is a luxury SUV with a high theft rate, contributing to its higher insurance premiums. The average annual premium is about $2,500​.

18. Jeep Grand Cherokee Trackhawk

The Jeep Grand Cherokee Trackhawk, a high-performance SUV, has higher insurance costs due to its powerful engine and higher likelihood of accidents. The average annual premium is around $2,200.

An Added Cost 

Owning a high-performance or luxury vehicle often comes with the added burden of high insurance premiums. Understanding the reasons behind these costs—whether it’s due to high repair expenses, increased accident rates, or higher theft risks—can help you make more informed decisions when purchasing your next car. Stay savvy and consider these factors to avoid unexpected financial strain.

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Featured Image Credit: Shutterstock / meeboonstudio .

For transparency, this content was partly developed with AI assistance and carefully curated by an experienced editor to be informative and ensure accuracy.

The images used are for illustrative purposes only and may not represent the actual people or places mentioned in the article.