The Most Expensive Cars in the World and Their Insurance

We hear a lot about the national average auto insurance rate climbing. And it is. Up about $131.74 in 2011. Right now a 40-year-old male will pay an annual rate of roughly $1,560. Drivers in Vermont get the best insurance prices at $995 a year; Michigan drivers take it on the chin at $2,541.

Nationally, it all comes out to an average of about $131.74 a month. Since by law, we all have to have some form of coverage, everyone is out to find cheap car insurance. But hey, we’re human. We like knowing some people have it much, much worse. Let’s look at some of the most expensive cars in the world to insure.

  • The two-seat Mercedes-Benz SL class, produced in small volumes for buyers with highly refined tastes, does not come cheap, selling at roughly $185,000 invoice. It’s not a cheap insurance car either. Average premiums? $1,577
  • Drop the two-seat Honda S2000 in the same class. It’s cheaper to buy at $34,995 to $36,995, but you’re still going to shell out $1,587 in auto insurance  for the roadster’s 237 hp and 162 lb. ft. of torque.
  • How about the Audi R8, the company’s first “super” car in the mid-engine range. Plunk $114,200 at the dealership and then get prepared to shell out $1,637 in insurance.

But actually, the insurance rates go downhill — or maybe it’s uphill — from there.

  • BMW X6 – $1,584
  • Cadillac Escalade EXT – $1,592
  • Land Rover Range Rover – $1,603
  • Cadillac XLR – $1,694
  • BMW M3 – $1,714
  • Jaguar XK – $1,717
  • Chevy Cobalt SS – $1,762
  • Porsche 911 – $1,819
  • Lexus IS-F – $1,881
  • Hummer H2 – $1,912
  • BMW – $2,020
  • Audi S8 – $2,071
  • Mercedes-Benz G-Class – $2,088
  • Ford Shelby GT500 – $2,186
  • BMW M6 – $2,236
  • Dodge Viper – $2,446
  • Nissan GT-R – $2,533

While we’re talking about the big bucks, what are the most expensive cars in the world?

In descending order:

  • Bugatti Veyron Super Sports – $2,400,000
  • Pagani Zonda Clinque Roadster – $1,850,000
  • Lamborghini Reventon – $1,600,000
  • Koenigsegg Agera R – $1,600,000
  • McLaren F1 – $970,000
  • Ferrari Enzo – $670,000
  • Pagani Zonda C12 – $667,321
  • SSC Ultimate Aero – $654,400
  • Ascari A10 – $650,000
  • Saleen S7 Twin Turbo – $555,000
  • Koenigsegg CCX – $545,568

Now granted, most of us are never going to get near the super luxury sports car class, but just out of curiosity, is it even possible to get insurance a that level?

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Yes, and the same factors come into play: potential repair costs, overall safety profile, theft risk, safety and performance features, and driving record — just take them to the power of a hundred.

If you want to insure a Bugatti? You’ll drop around $2950 a month.

The Lamborghini? $2860.

The McLaren? $2700.

That comes to annual insurance costs of: $35,400; $34,320; and $32,400 — basically enough to make a hefty down payment on most of the cars on our first list or pay the current annual average auto insurance rate for about 22 years!

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