Luxury Car Insurance Cost: 2025 Rates and Segment Cost Comparisons for Every Model

How much does luxury car insurance cost? Find out which small, midsize, and large models rank highest in our luxury car insurance quotes comparison.

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Luxury cars from nameplates like BMW, Mercedes-Benz and Audi have stiff competition from the luxury SUV segment, but future growth is forecasted to be around 6% per year through 2025 due to a focus on comfort, safety, and the shift towards electric powertrains.

With a range of MSRPs from $31,500 for an Acura Integra to a starting price of $194,450 for the Mercedes-Benz Maybach S580, the cost of insurance for luxury cars also has a lot of variability.

Let’s start by taking a look at the small luxury car segment and see how those 18 models compare in our insurance cost rankings.

What is the cheapest compact luxury car to insure?

The cheapest 2024 model year small luxury car to insure is the Acura Integra, costing $2,082 annually. For a semi-annual or 6-month policy term, drivers can expect to pay around $1,041. To work this cost into a monthly budget, figure around $174 each month for full coverage.

Second and third place honors for the cheapest luxury car insurance rates go to the BMW 330i, costing $2,384 per year, and the Acura TLX at $2,424 annually.

The table below ranks the segment from number one to 18 for insurance affordability.

2024 Small Luxury Car Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Acura Integra$2,082$174
2BMW 330i$2,384$199
3Acura TLX$2,424$202
4Cadillac CT4$2,446$204
5Genesis G70$2,452$204
6Lexus IS 350$2,472$206
7Lexus RC 350$2,542$212
8BMW 330e$2,544$212
9BMW 228i$2,548$212
10BMW 230i$2,568$214
11Audi S3$2,626$219
12Alfa Romeo Giulia$2,642$220
13Audi A4$2,698$225
14BMW M235i$2,712$226
15Volvo S60$2,748$229
16Audi RS 3$2,800$233
17BMW M240i$2,854$238
18BMW M340i$2,862$239

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year small luxury cars
Comparison of the annual and monthly insurance cost for all 2024 model year small luxury cars

Ranked last out of the 18 vehicles in the small luxury car class is the BMW M340i, costing an estimated $2,862 per year for auto insurance. That is $780 more each year compared to the cheapest small luxury car to insure, the Acura Integra.

The average rate for the entire 2024 small luxury car class is $2,578 per year, which is $357 more than the average rate for all types of vehicles insured in the U.S.

What is the cheapest midsize luxury car to insure?

For the midsize luxury segment, the cheapest model to insure is the Mercedes-Benz CLA250, costing an estimated $2,410 per year. This breaks down to $1,205 for a 6-month policy or $201 per month. With the average midsize luxury car costing $2,874 per year for insurance, the Mercedes-Benz CLA250 ranks well at $464 less per year.

The other models ranked in the top five midsize luxury cars with the cheapest insurance cost include the Lexus IS 300 at $2,414 per year, the Lexus ES 350 at $2,446, the Mercedes-Benz AMG CLA35 at $2,456, and the Lexus RC 300 at $2,462.

2024 Midsize Luxury Car Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Mercedes-Benz CLA250$2,410$201
2Lexus IS 300$2,414$201
3Lexus ES 350$2,446$204
4Mercedes-Benz AMG CLA35$2,456$205
5Lexus RC 300$2,462$205
6Jaguar XF$2,476$206
7Cadillac CT5$2,526$211
8Lexus ES 250$2,534$211
9Lexus ES 300h$2,572$214
10Audi A3$2,634$220
11Infiniti Q50$2,650$221
12Mercedes-Benz AMG CLA45$2,682$224
13Audi S4$2,692$224
14Mercedes-Benz EQE 350$2,724$227
15BMW i4$2,734$228
16Lexus IS 500$2,770$231
17BMW 530i$2,848$237
18Audi S5$2,890$241
19BMW 540i$2,900$242
20BMW 430i$2,940$245
21BMW i5$2,960$247
22Genesis G80$2,976$248
23Mercedes-Benz EQE 500$3,008$251
24Mercedes-Benz AMG C43$3,024$252
25Audi A6$3,036$253
26Tesla Model S$3,070$256
27BMW 530e$3,100$258
28Audi RS 5$3,106$259
29Audi S6$3,128$261
30BMW M440i$3,206$267
31Audi A7$3,268$272
32Lexus LC 500h$3,508$292
33Audi S7$3,624$302
34BMW M8$3,948$329

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 26, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year midsize luxury cars
Comparison of the annual and monthly insurance cost for all 2024 model year midsize luxury cars

Coming in last out of the 34 vehicles in the 2024 midsize luxury car segment is the BMW M8, costing an average of $3,948 annually to insure.

The difference between the cheapest insurance on the Mercedes-Benz CLA250 and the most expensive for the BMW M8 is $1,538 per year, or around $128 per month. When compared to the national average auto insurance rate of $2,221, the average midsize luxury car costs $653 more per year.

What is the cheapest large luxury car to insure?

Ranked #1 for cheapest luxury car insurance rates in the large car segment is the 2024 Audi A5, costing an average of $2,782 per year. The large luxury car segment as a whole averages $3,748 per year, so expect to pay around $966 less on average to insure the Audi A5.

In second place, the Volvo S90 costs $2,870 per year, and third place goes to the Genesis G90 at $3,076 annually. The full list of all 24 large luxury cars is ranked by car insurance cost from cheapest to most expensive below.

2024 Large Luxury Car Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Audi A5$2,782$232
2Volvo S90$2,870$239
3Genesis G90$3,076$256
4Mercedes-Benz AMG E53$3,088$257
5Mercedes-Benz EQS 450$3,122$260
6Lexus LS 500$3,220$268
7Lexus LS 500h$3,262$272
8BMW 840i$3,354$280
9BMW i7$3,402$284
10Audi RS 7$3,524$294
11BMW M850i$3,780$315
12BMW 740i$3,794$316
13BMW 750e$3,806$317
14Mercedes-Benz AMG GT43$3,832$319
15Audi S8$3,878$323
16Mercedes-Benz S500$3,972$331
17Audi A8$3,982$332
18BMW 760i$4,008$334
19Mercedes-Benz S580$4,162$347
20Mercedes-Benz EQS 580$4,230$353
21Mercedes-Benz Maybach S580$4,598$383
22Mercedes-Benz AMG EQS$4,642$387
23Porsche Panamera$4,666$389
24Mercedes-Benz Maybach S680$4,906$409

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year large luxury cars
Comparison of the annual and monthly insurance cost for all 2024 model year large luxury cars

The most expensive large luxury car to insure from the 2024 class is the Mercedes-Benz Maybach S680, costing $4,906 per year. It will cost around $2,124 more to insure a Mercedes-Benz Maybach S680 each year compared to the cheapest large luxury car to insure, the Audi A5.

How much does luxury car insurance cost?

For small luxury cars, the average car insurance rate for 2024 is $2,578 per year. Midsize luxury cars have an average insurance cost of $2,874 per year. And finally, large luxury cars have an average insurance cost of $3,748 per year.

Which luxury cars have the cheapest insurance rates?

For the small luxury car segment, the cheapest model to insure is the Acura Integra, costing $2,082 per year. For midsize luxury sedans, the cheapest car insurance rates are on the Mercedes-Benz CLA250, costing $2,410 per year. An finally, the cheapest large luxury car to insure is the Audi A5, costing $2,782 per year.

What does luxury car insurance cost per month?

For small luxury cars like the BMW 330i or the Acura TLX, the average monthly car insurance rate is $215 for full coverage. Midsize luxury cars like the Audi A3 or Lexus ES 350 have an average monthly auto insurance cost of $240. Large luxury cars like the Infiniti Q60 or BMW 740i have an average monthly car insurance cost of $312.