Each year, Insure.com conducts a study to determine which models draw the highest premiums from the six largest auto insurance companies in the U.S. For the purposes of the study, the quoted rates are based upon a 40-year old single male driver with a clean driving record, good credit, and a 24-mile round trip daily commute. Further, our hypothetical driver was assigned a $500 comprehensive and collision deductible, $100,000 single injury liability, $300,000 for all injuries, and $50,000 in property damage coverage. You’ll find these coverage parameters explained in more detail in our types of auto insurance coverage article.
Logic would seem to dictate high performance cars like Ferrari’s La Ferrari, Lamborghini’s Aventador, and McLaren’s MP4-12C would easily be among the 10 most expensive cars to insure. But logical doesn’t always equate to reality. Hardly anyone buys cars like those to use as their only car, so they qualify for a lower “pleasure use only” insurance rate. Additionally, exotic sports cars seldom accrue more than 1000 miles per year; which further lowers the risk of an incident. Meanwhile, the top car on the list—the Nissan GT-R—is often bought as a daily driver and registers more claims.