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Skip to main content’s list of cars that will spike your auto insurance

Nissan GT Nismo
The Nissan GT Nismo is the most expensive car to insure in 2015, according to a study by

Last week, I wrote about the 10 cars with the cheapest auto insurance, according to a recent study by

This week, it’s time to see which cars will take a chunk out of your budget to insure.
Here’s how the study worked: hired a research firm to calculate average auto insurance rates for 2015 models. The averages were calculated using data from six large insurance companies:

  • Allstate,
  • Farmers,
  • GEICO,
  • Nationwide,
  • Progressive, and
  • State Farm.

They’re based on full coverage for a single, 40-year-old male who commutes 12 miles to work with policy limits of 100/300/50 and a $500 deductible on collision and comprehensive coverages.

The policy also includes uninsured motorist coverage, which protects you if you’re hurt in a car accident with an uninsured driver. As I said last week, as an attorney and safety advocate, I recommend this coverage to everyone (in some cities, like Detroit, the number of uninsured drivers exceeds 50%). The averages also used a hypothetical driver who has a clean driving record and good credit.

With that, here are the 10 cars that are the most expensive to insure, according to (note that the price is the national average):

Rank / Make & model / Average annual premium

  1. Nissan GT-R Nismo – $3,574
  2. Mercedes-Benz SL65 AMG Convertible – $3,573
  3. Dodge SRT Viper – $3,318
  4. Porsche 911 Carrera S Cabriolet – $3,216
  5. Audi R8 5.2 Spyder Quattro – $3,206
  6. Porsche Panamera Turbo Executive – $3,174
  7. BMW 760Li – $3,147
  8. BMW M6 Convertible – $3,115
  9. Mercedes-Benz E63 AMG 4Matic Wagon – $3,042
  10. Mercedes-Benz CLS63 AMG 4Matic Sedan – $2,972

Most of the time, consumers choose their make and model and never even think about  what it will cost to insure. This list helps eliminate a bit of a nasty surprise for people.

Note that “Insurance rates are all about claims – how many and how big,” according Penny Gusner, consumer analyst at “Cars that are cheapest to insure typically are easy to repair or have fewer claims or both,” she said.

But cost shouldn’t be the only factor when considering what kind of insurance to purchase.

Each year, I write a guide to choosing the best auto insurance companies, and I also list the ones our attorneys recommend avoiding. This list is based on price, insurance industry data, and the way insurance companies treat people after a car accident. My list can also help you when you’re shopping for car insurance, as many other factors that can affect your safety in the event of a car accident should be considered in addition to price.

Why is the Nismo so expensive to insure? found that 2015’s most-expensive model to insure is the Nissan GT-R Nismo, a premium version of the brand’s flagship sports car, at an average $3,574 per year.

That’s more than twice the $1,555 average for the more than 1,500 models studied.

The GT-R Nismo starts at $149,900 and features a racing-friendly design, with a 600-horsepower twin-turbo V-6 engine, nitrogen-filled tires and other high-performance features that help propel the model to a 196 mile an hour top speed.

It’s one of the fastest cars on the road. And now we know it’s also the most expensive to insure.

Related information:

How to lower Michigan’s auto insurance prices

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