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The most expensive cars to insure

Auto insurance rates depend on a wide range of factors including the car itself. The following are the most expensive cars to get auto insurance for in the United States. We all know very well that insurance companies use all sorts of factors to determine the pricing of their policies. The driving record, insurance claim history, place of residence, marital status, age and sex tend to be regarded as the most important variables in the pricing equation. However, people often forget that they are insuring a vehicle, which also plays a very important role in the factor assessment process. It's impossible to deny that some cars are typically more expensive to insure than the others. And the price of the vehicle isn't actually the main thing here, although it can help assess the overall value of coverage. Insurers pay attention to things like repair costs, injury and fatality rates, average liability costs and risk of theft for each and every car model when calculating their rates. According to these factors the following are the most expensive mass-produced cars to insure in the United States:

Model name

Average premium

Mercedes C63 AMG Coupe $5,532
Audi R8 Spyder Quattro $3,384
Mercedes-Benz CL600 $3,307
Mercedes-Benz S600 $2,948
Audi R8 4.2 Coupe $2,903
Porsche Panamera Turbo $2,738
BMW ActiveHybrid 7 $2,701
Porsche 911 Turbo / Convertible $2,674
Mercedes-Benz CL65 AMG $2,669
Mercedes-Benz CL63 AMG $2,615
Jaquar XKR Supercharged Convertible $2,585
Mercedes-Benz S63 AMG $2,542
Audi A8 L Quattro $2,513
BMW 750i $2,430

As you can see all of these cars make part of the upper-level class leaning to the sports side of the spectrum. But it's not the actual street price that makes these cars so expensive to deal with. First of all, most of them are produced in small numbers using exclusive and expensive materials (carbon-fiber, aluminum, leather and wood for interiors), which pushes the repair costs sky high. For some of these vehicles you would actually be required to order parts directly from the manufacturer, which makes them even costlier. Besides, all of these cars are easily the most powerful and fastest series cars your money can buy, so you can imagine what happens if you actually crash in one of those going 170 mph on the highway. Nevertheless, if you can afford one of those you are certainly the type that can afford expensive insurance as well.

The list deliberately excludes really exclusive car makes such as Lamborghini, Ferrari, Bentley, Rolls Royce and the likes. When dealing with such cars all of the aforementioned factors become exaggerated to the point where owning such a car costs you a fraction of what you've paid for it. Yet again, if you are worried about insurance premiums for such cars you probably can't afford them in the first place because it is unlikely for someone who can spend $250,000+ on a vehicle to worry about several thousand dollars spend on insurance.

However, not necessarily all expensive vehicles are also expensive to insure. Some of them can be rather affordable in terms of repair and feature advanced safety features, which makes them less risky in terms of insurance. That's why you should always compare quotes from various providers regardless whether the car is costly or not. If there's a possibility to get a cheaper insurance why would you want to overpay?

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