Here are the cars with the highest insurance rates for 2022

In a separate publication, we presented the 20 cheapest new insurance vehicles for 2022, according to the annual report published by the website Insure.com. Leading the list is the compact SUV Subaru Forester in its 2.5I Wilderness upholstery with an average annual value of $ 1353. Even the most expensive car on the list, the No. 20 Jeep Wrangler Willys Sport, costs just $ 1,415 a year.

But what about the models at the other end of the book? Leaving aside unattainable trips like Rolls-Royce and Ferrari, the vehicle expected to have the highest insurance rates for 2022 among mass brands is the luxury sports sedan Maserati Quattroporte at an average annual price of $ 5,176. While probably no one would buy a reasonable Subaru and a six-figure Maserati, a study of the website shows that there is a distribution of $ 3,823 in annual premiums between the cheapest and cheapest models in this regard.

Why is there such a significant difference? Generally speaking, the cheapest models to repair, which tend to be carefully managed and have the highest safety ratings, are the cheapest to cover. On the other hand, the most expensive insurance models are usually luxury cars, which cost a fortune to repair, as well as high-performance models that put up to 600 horsepower (or more) on the pavement and then drive fast and furiously.

We list the 20 most expensive cars to look at below.

Insure.com bases the average annual insurance costs on data from 3,000 individual models collected by the seven largest carriers in 10 state zip codes, based on a hypothetical 40-year-old man who travels 12 miles to work each day, with typical policy constraints, a clean record and good credit.

Of course, car insurance rates can only be increased from there, depending on personal factors. Holders of the brightest and most expensive vehicles who live in a large city and have traffic violations and / or fault accidents in their driving records will be charged significantly more than the average values ​​quoted here. A recent report found that people with even a road ticket or a crash in their names usually pay 55 percent more per year than someone with a clean history. Some carriers may refuse coverage if the car and / or driver are considered to be an unacceptable risk.

In addition, rates can vary significantly from one state to another due to the levels of accidents / claims / crimes, the number of uninsured drivers, the frequency of bad weather, population density, the number of insurance companies doing business in a state, the minimum amounts required. of coverage and the regulations of the insurance industry.

It can help to shop among multiple carriers each year (or more often if personal factors change) to ensure that one gets the lowest prices available. While some drivers may save some money by minimizing liability coverage and / or increasing deductions for full coverage and collision coverage (or eliminate them altogether), this is not always a sensible way to go among those who own some of the most -the most expensive trips on the road.

Insurance companies usually provide discounts for those who own several cars, who “link” vehicle insurance and a homeowner with the same company, drive a minimum number of miles per year, pay premiums per year and / or who have set up automatic payments. At the same time, such savings may seem minimal with policies that otherwise cost thousands of dollars a year. Many companies will estimate fares based on actual driving habits based on data collected from monitors plugged into the vehicle’s on-board diagnostic port, although we suspect that they rarely work for someone who owns a high-performance car. practice requires to be piloted aggressively.

For better or worse, here are the 20 vehicles that Insure.com says will trigger the highest possible average annual car insurance rates, noting the applicable upholstery levels for each.

The most expensive insurance cars for 2022:

  1. Maserati Quattroporte: $ 5,176
  2. Maserati Quattroporte Modena Q4: $ 5,118
  3. BMW M8 Competition Gran Coupe: $ 4,231
  4. Porsche Panamera Turbo S E-Hybrid Executive: $ 4,221
  5. Audi RS E-tron GT: $ 4,150
  6. Porsche Panamera Turbo: $ 4,129
  7. Tesla Model S Plaid: $ 4,115
  8. BMW M8 Competition XDrive: $ 4,054
  9. Porsche Taycan Turbo S: $ 4,028
  10. Audi R8 5.2L V10 Quattro Performance: $ 3,967
  11. Audi RS6 Avant Quattro: $ 3,922
  12. BMW M760i xDrive: $ 3,911
  13. BMW M850i ​​XDrive Gran Coupe: $ 3,854
  14. Maserati Ghibli Trophy: $ 3,840
  15. Alfa-Romeo Giulia Quadrifoglio: $ 3,695
  16. Acura NSX Type S: $ 3,626
  17. Dodge Charger SRT Hellcat Redey: $ 3533
  18. Dodge Charger SRT Hellcat: $ 3,528
  19. Porsche 911 Carrera Targa 4 GTS: $ 3,527
  20. Tesla Model S Long Range: $ 3,503

The full report from Insure.com can be found here.

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