10 Most-Expensive Cars To Insure For 2016

Let’s face facts, if you’re financially able to purchase a high-performance sports car or top-shelf luxury vehicle you’re probably already prepared to fork over the proverbial arm and a leg to insure it.

But to indulge the schadenfreude of those less financially fortunate – or more fiscally responsible – we present the 2016 list of the costliest cars to insure, as compiled annually by Insure.com.

While the most expensive models generally tend to be assessed higher car insurance rates than cheaper ones because of higher repair costs, the Viper is ironically the least-costly car on the list with a sticker price of “only” $97,995. Aside from a car’s MSRP, insurance companies further base their rates on claims histories, including how much damage a given model incurs in a typical crash, the extent of injuries (and fatalities) suffered by occupants and other parties, the cost of damage to other vehicles and property and which models are more or less likely to be stolen. All together those points are the very definition of the sports cars and high-powered luxury cars that dominate the list of cars suffering the highest insurance rates.

And keep in mind that the figures quoted are averages based on a hypothetical 40-year-old male driver having a squeaky clean driving record who would typically be quoted among the lowest available rates. (see below for a rundown on the survey’s methodology). Younger drivers – particularly single male teens – and especially those having one or more traffic tickets and/or accidents on their records will pay a lot more.

1. Dodge Viper GT

The Dodge Viper GT is the costliest vehicleto insure in the U.S. for 2016, with an average annual premium of $4,048, according to Insure.com.

2. Mercedes-Benz SL65 AMG

Average annual car insurance premium $3,797.

3. Mercedes-Benz S600

Average annual car insurance premium $3,539.

4. Mercedes-Benz S63 AMG 4Matic

Average annual car insurance premium $3,513.