Car insurance is already expensive for young drivers because they are seen as high‑risk by insurers. But some cars cost significantly more to insure than others. In 2025, luxury cars, high‑performance sports cars, and exotic vehicles dominate the list of the most expensive cars to insure for young drivers in the USA.
This comprehensive guide covers everything you need to know, including why these cars are so expensive to insure, a full list with average annual premiums, and tips for lowering your costs if you own one of these vehicles.
Why Are These Cars So Expensive to Insure for Young Drivers?
Young drivers usually pay the highest car insurance premiums, and owning a high‑value or high‑performance car can make it even more costly. Here are the main reasons:
1. High Replacement Value
Luxury and exotic cars are expensive to repair or replace if stolen or damaged.
2. Powerful Engines and Performance
Fast cars with high horsepower are more likely to be driven aggressively, which increases the accident risk.
3. Repair and Parts Costs
Exotic and imported cars require specialized parts and technicians, driving up repair bills.
4. Theft Risk
Some models are prime targets for thieves, raising insurance costs.
5. Limited Safety Data
Rare models may not have comprehensive crash safety data, making them riskier to insure.
Summary Table: Top 20 Most Expensive Cars to Insure for Young Drivers in the USA (2025)
| Rank | Car Model (2025) | Average Annual Premium (USD) | Starting MSRP (USD) | Engine / Horsepower |
|---|---|---|---|---|
| 1 | Maserati Quattroporte Trofeo | $7,250 | $156,000 | 580 hp, 3.8L V8 Twin‑Turbo |
| 2 | Porsche Taycan Turbo S | $6,990 | $189,000 | 750 hp, Electric AWD |
| 3 | BMW M8 Competition Coupe | $6,780 | $140,000 | 617 hp, 4.4L V8 Twin‑Turbo |
| 4 | Tesla Model S Plaid | $6,500 | $135,000 | 1,020 hp, Electric AWD |
| 5 | Audi RS7 Sportback | $6,450 | $128,000 | 621 hp, 4.0L V8 Twin‑Turbo |
| 6 | Mercedes‑AMG GT 63 S 4‑Door | $6,380 | $161,000 | 630 hp, 4.0L V8 Twin‑Turbo |
| 7 | Dodge Challenger SRT Hellcat | $6,200 | $94,000 | 807 hp, 6.2L Supercharged V8 |
| 8 | Range Rover SVAutobiography | $6,050 | $186,000 | 557 hp, 5.0L Supercharged V8 |
| 9 | Jaguar F‑Type R | $5,990 | $113,000 | 575 hp, 5.0L Supercharged V8 |
| 10 | Lexus LC 500h | $5,850 | $105,000 | 471 hp, 5.0L V8 Hybrid |
| 11 | Chevrolet Corvette Z06 | $5,780 | $114,000 | 670 hp, 5.5L V8 NA |
| 12 | Aston Martin Vantage | $5,650 | $146,000 | 503 hp, 4.0L V8 Twin‑Turbo |
| 13 | McLaren Artura | $5,600 | $225,000 | 671 hp, Hybrid V6 |
| 14 | Lamborghini Huracán Tecnica | $5,520 | $265,000 | 631 hp, 5.2L V10 |
| 15 | Ferrari Roma | $5,480 | $247,000 | 612 hp, 3.9L V8 Twin‑Turbo |
| 16 | Nissan GT‑R Premium | $5,300 | $120,000 | 565 hp, 3.8L V6 Twin‑Turbo |
| 17 | BMW iX M60 | $5,250 | $116,000 | 610 hp, Electric AWD |
| 18 | Alfa Romeo Stelvio Quadrifoglio | $5,150 | $92,000 | 505 hp, 2.9L V6 Twin‑Turbo |
| 19 | Cadillac CT5‑V Blackwing | $5,090 | $96,000 | 668 hp, 6.2L Supercharged V8 |
| 20 | Acura NSX Type S | $5,000 | $185,000 | 600 hp, Hybrid Twin‑Turbo V6 |
Detailed Overview of the Top Most Expensive Cars to Insure for Young Drivers in the USA
1. Maserati Quattroporte Trofeo (2025)
The Maserati Quattroporte Trofeo tops the list as the most expensive car to insure for young drivers.
-
Premium: $7,250/year
-
Why so expensive? It has a 580 hp twin‑turbo V8, a high price tag, and costly parts. Young drivers are seen as even higher risks behind the wheel of a 200‑mph luxury sedan.
2. Porsche Taycan Turbo S (2025)
This electric sports sedan from Porsche is extremely quick and costly to repair.
-
Premium: $6,990/year
-
Why so expensive? Electric battery replacements and Porsche‑specific repair costs raise premiums.
3. BMW M8 Competition Coupe (2025)
A luxury grand tourer with supercar performance.
-
Premium: $6,780/year
-
Why so expensive? 617 hp and a six‑figure price tag make it one of the highest‑risk cars for young drivers.
4. Tesla Model S Plaid (2025)
The fastest accelerating EV on the market also has high insurance costs.
-
Premium: $6,500/year
-
Why so expensive? Tesla repair costs and extreme speed (1,020 hp) raise accident risk and premium prices.
5. Audi RS7 Sportback (2025)
The RS7 is a luxury performance hatchback that is both practical and very expensive to insure.
-
Premium: $6,450/year
-
Why so expensive? High performance and advanced technology make repairs very costly.
6. Mercedes‑AMG GT 63 S 4‑Door (2025)
This AMG 4‑door coupe is built for speed and luxury.
-
Premium: $6,380/year
-
Why so expensive? Its 630 hp engine and complex electronics increase premiums.
7. Dodge Challenger SRT Hellcat (2025)
The SRT Hellcat remains a muscle car icon but comes with steep insurance costs.
-
Premium: $6,200/year
-
Why so expensive? 807 hp supercharged V8 and higher accident potential among young drivers.
8. Range Rover SVAutobiography (2025)
A luxurious SUV that costs a fortune to repair.
-
Premium: $6,050/year
-
Why so expensive? Expensive electronics and high theft rates push premiums upward.
9. Jaguar F‑Type R (2025)
A high‑performance British sports car.
-
Premium: $5,990/year
-
Why so expensive? V8 power and rare parts make it expensive to repair.
10. Lexus LC 500h (2025)
This luxury hybrid coupe is both stylish and expensive to insure.
-
Premium: $5,850/year
-
Why so expensive? Hybrid powertrain complexity and high MSRP lead to higher rates.
11. Chevrolet Corvette Z06 (2025)
America’s most iconic sports car is also a high‑insurance model for young drivers.
-
Premium: $5,780/year
-
Why so expensive? 670 hp performance car with expensive carbon‑ceramic brake systems.
12. Aston Martin Vantage (2025)
A hand‑built British exotic sports car.
-
Premium: $5,650/year
-
Why so expensive? Low production numbers and high repair costs.
13. McLaren Artura (2025)
This hybrid supercar is incredibly fast and expensive.
-
Premium: $5,600/year
-
Why so expensive? Advanced hybrid system, costly parts, and exotic brand status.
14. Lamborghini Huracán Tecnica (2025)
Owning a Lamborghini comes with one of the highest insurance costs.
-
Premium: $5,520/year
-
Why so expensive? Rare parts, V10 power, and extreme repair costs.
15. Ferrari Roma (2025)
Ferrari sports cars are among the most expensive to insure worldwide.
-
Premium: $5,480/year
-
Why so expensive? Exotic supercar status and 612 hp twin‑turbo engine raise premiums.
16. Nissan GT‑R Premium (2025)
The GT‑R is a performance icon but insurance is steep for young drivers.
-
Premium: $5,300/year
-
Why so expensive? Speed, track performance, and specialized parts.
17. BMW iX M60 (2025)
BMW’s electric SUV with M‑level performance.
-
Premium: $5,250/year
-
Why so expensive? High price tag and costly electric repairs.
18. Alfa Romeo Stelvio Quadrifoglio (2025)
A performance SUV with Ferrari‑derived engine technology.
-
Premium: $5,150/year
-
Why so expensive? 505 hp and rare Italian parts increase insurance costs.
19. Cadillac CT5‑V Blackwing (2025)
This American super sedan packs a supercharged V8.
-
Premium: $5,090/year
-
Why so expensive? 668 hp and track‑focused performance drive up premiums.
20. Acura NSX Type S (2025)
The NSX is Honda’s halo hybrid supercar.
-
Premium: $5,000/year
-
Why so expensive? Advanced hybrid technology and limited production numbers make repairs expensive.
How to Lower Insurance Costs for Young Drivers (Even With Expensive Cars)
-
Take a defensive driving course – Most insurers offer discounts.
-
Raise your deductible – A higher deductible can reduce monthly premiums.
-
Bundle policies – Combine auto and home or renter’s insurance.
-
Install anti‑theft devices – These can reduce the theft risk factor.
-
Shop around – Different insurers calculate risk differently.
-
Limit mileage – Cars driven less often may qualify for low‑mileage discounts.
Frequently Asked Questions (FAQs)
1. Why are young drivers charged more for insurance?
Young drivers have less experience and statistically get into more accidents, making them higher‑risk for insurers.
2. Which car is the most expensive to insure for a young driver in 2025?
The Maserati Quattroporte Trofeo is currently the most expensive car to insure, with average premiums of $7,250 per year.
3. Do electric cars cost more to insure for young drivers?
Yes, electric cars like the Tesla Model S Plaid and Porsche Taycan Turbo S are very expensive to repair, which increases premiums.
4. Can a young driver afford to insure a supercar?
It is possible, but premiums are extremely high. Most young drivers opt for lower‑cost vehicles to avoid these expenses.
5. Are SUVs cheaper to insure than sports cars?
Not always. Luxury SUVs like the Range Rover SVAutobiography are among the most expensive vehicles to insure.
6. Does adding a parent to the policy help?
Yes, adding an experienced driver to the policy often reduces the overall premium.
7. Will premiums drop as the driver ages?
Typically, insurance costs drop significantly after age 25 if the driver maintains a clean record.
8. Are luxury brands always more expensive to insure?
Generally yes, because of their higher value and repair costs.
9. Which car on the list has the highest horsepower?
The Tesla Model S Plaid has the highest horsepower at 1,020 hp.
10. Is it better to buy a used version of these cars to lower premiums?
A used model may have a lower MSRP, but parts and repairs can still be costly. Insurance may only drop slightly.
Conclusion: Should Young Drivers Avoid Expensive‑to‑Insure Cars?
For most young drivers, it is better to choose an affordable, lower‑horsepower car that offers strong safety ratings. However, if you can afford one of the cars on this list, make sure to compare insurance quotes and take advantage of every discount available.
Key takeaway:
-
Most expensive: Maserati Quattroporte Trofeo
-
Most exotic: Ferrari Roma & Lamborghini Huracán
-
High‑risk muscle car: Dodge Challenger SRT Hellcat
By choosing the right insurance provider and driving responsibly, you can still enjoy the car you love without paying the absolute maximum in premiums.