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

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 $2,134 annually. For a semi-annual or 6-month policy term, drivers can expect to pay around $1,067. To work this cost into a monthly budget, figure around $178 each month for full coverage.

Second and third place honors for the cheapest luxury car insurance rates go to the BMW 330i, costing $2,444 per year, and the Acura TLX at $2,484 annually.

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

Ranked last out of the 18 vehicles in the small luxury car class is the BMW M340i, costing an estimated $2,932 per year for auto insurance. That is $798 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 $2,641 per year, which is $365 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 $2,468 per year. This breaks down to $1,234 for a 6-month policy or $206 per month. With the average midsize luxury car costing $2,944 per year for insurance, the Mercedes-Benz CLA250 ranks well at $476 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 $2,474 per year, the Lexus ES 350 at $2,506, the Mercedes-Benz AMG CLA35 at $2,516, and the Lexus RC 300 at $2,522.

Coming in last out of the 34 vehicles in the 2024 midsize luxury car segment is the BMW M8, costing an average of $4,044 annually to insure.

The difference between the cheapest insurance on the Mercedes-Benz CLA250 and the most expensive for the BMW M8 is $1,576 per year, or around $131 per month. When compared to the national average auto insurance rate of $2,276, the average midsize luxury car costs $668 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 $2,850 per year. The large luxury car segment as a whole averages $3,839 per year, so expect to pay around $989 less on average to insure the Audi A5.

In second place, the Volvo S90 costs $2,940 per year, and third place goes to the Genesis G90 at $3,154 annually. The full list of all 24 large luxury cars is ranked by car insurance cost from cheapest to most expensive below.

The most expensive large luxury car to insure from the 2024 class is the Mercedes-Benz Maybach S680, costing $5,026 per year. It will cost around $2,176 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 $2,641 per year. Midsize luxury cars have an average insurance cost of $2,944 per year. And finally, large luxury cars have an average insurance cost of $3,839 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 $2,134 per year. For midsize luxury sedans, the cheapest car insurance rates are on the Mercedes-Benz CLA250, costing $2,468 per year. An finally, the cheapest large luxury car to insure is the Audi A5, costing $2,850 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 $220 for full coverage. Midsize luxury cars like the Audi A3 or Lexus ES 350 have an average monthly auto insurance cost of $245. Large luxury cars like the Infiniti Q60 or BMW 740i have an average monthly car insurance cost of $320.