Car insurance rates are influenced by a variety of factors, including the vehicle’s make and model, safety features, repair costs, theft rates, and performance capabilities.
In 2025, certain cars stand out as particularly expensive to insure due to these risk factors. If you’re considering buying one of these models, brace yourself for sky-high premiums.
Here are 10 cars that are absolute nightmares to insure in 2025.
1. Tesla Model S Plaid
The Tesla Model S Plaid is a high-performance EV with 1,020 horsepower and a lightning-fast 0-60 mph time of under two seconds. While its speed and advanced technology are impressive, insuring this vehicle can be costly.
One major factor is repair expenses. The Model S Plaid’s battery system and specialized parts are expensive to fix or replace. Unlike gas-powered cars with widely available components, Tesla’s proprietary technology demands expert repairs, making even minor accidents costly.
Another issue is the need for specialized mechanics. High-performance EVs require trained professionals, limiting repair options and driving up labor costs. Insurance companies consider these factors, leading to higher premiums.
While the Tesla Model S Plaid delivers exceptional performance and innovation, owners should prepare for more than just the initial purchase price. The thrill of driving this electric beast comes with a significant insurance cost, making it an expensive vehicle to own.
2. Dodge Challenger SRT Hellcat Redeye
The Dodge Challenger SRT Hellcat Redeye is a powerhouse of a muscle car, packing a supercharged 6.2-liter V8 engine that cranks out over 800 horsepower. Built for speed and raw power, it’s a dream car for thrill-seekers who crave high-performance driving. However, this beast on wheels comes with a financial catch—sky-high insurance costs.
One of the biggest reasons for its expensive premiums is its sheer speed. With insane acceleration and top-tier horsepower, the Hellcat Redeye increases the risk of high-speed accidents. Insurance companies see this as a red flag, raising rates to offset potential claims. The car’s aggressive nature makes it a magnet for risky driving, adding to the likelihood of costly repairs.
Another major issue is theft. The Dodge Challenger, particularly the high-performance trims, is a common target for car thieves. Its desirability, combined with a history of theft incidents, makes it more expensive to insure. Owners need to invest in advanced security measures, but even then, insurers factor in the high risk.
While the Challenger SRT Hellcat Redeye delivers unmatched muscle car performance, buyers should be prepared for more than just fuel costs—it’s a thrill ride that comes with a hefty insurance bill.
3. BMW M8 Competition Coupe
The BMW M8 Competition Coupe is the perfect blend of luxury and raw performance, featuring a monstrous 617-horsepower twin-turbo V8 engine. Built for speed and precision, this high-end sports car offers an adrenaline-pumping driving experience. However, its elite status comes with a major downside—sky-high insurance costs.
One major factor behind its expensive premiums is the cost of repairs. The M8 Competition is loaded with advanced technology, premium materials, and specialized engineering, making even minor fixes incredibly costly. Replacement parts aren’t cheap, and finding qualified technicians to service this powerhouse adds to the expense.
Another reason insurers charge more is the car’s high-speed potential. With the ability to reach extreme speeds in seconds, the risk of high-speed accidents is significantly higher. Insurance companies consider this increased risk when calculating premiums, making the M8 a costly vehicle to insure.
Additionally, luxury sports cars like the BMW M8 are prime targets for theft, further driving up insurance rates. While it delivers an unmatched driving experience, owners must be ready to pay a premium—not just for the car itself, but for the insurance bill that comes with it. Speed and luxury don’t come cheap.
4. Chevrolet Corvette Z06
The Chevrolet Corvette Z06 is a high-performance mid-engine sports car designed for speed and precision. With a 5.5-liter V8 engine producing 670 horsepower, it’s a top choice for thrill-seekers. However, insuring this powerhouse isn’t cheap.
One major reason for high insurance costs is its expensive repairs. The Corvette Z06 features advanced aerodynamics and specialized components that require expert servicing. Even minor damage can lead to costly repairs due to the car’s intricate design and premium materials.
Additionally, its high-speed capabilities increase the risk of accidents. Sports cars like the Z06 are often driven aggressively, making them more prone to crashes, which insurance companies consider when calculating premiums.
While the Corvette Z06 delivers an exhilarating driving experience, owners should be prepared for the financial responsibility that comes with it. Between repair costs and high insurance rates, the price of performance extends beyond the showroom.
Also Read: 10 Cars That Are Cheaper to Own Than Expected
5. Porsche 911 Turbo S
The Porsche 911 Turbo S is one of the most expensive cars to insure, thanks to its high-performance capabilities and luxury status. With a powerful 640-horsepower engine, this model is designed for speed, precision, and top-tier driving experience.
While it comes equipped with advanced safety and stability features, insurance costs remain high due to expensive repairs and a higher risk of theft. Luxury sports cars like the 911 Turbo S often require specialized parts and skilled labor, further increasing insurance rates.
Additionally, insurers consider the likelihood of high-speed driving, which can raise accident risks. These factors make the 911 Turbo S a thrilling yet costly choice when it comes to both ownership and insurance.
6. Ford Mustang Shelby GT500
The Ford Mustang Shelby GT500 is one of the most powerful Mustangs ever produced, featuring a supercharged 5.2-liter V8 engine that delivers over 760 horsepower. Known for its aggressive styling and track-ready performance, it’s a dream car for many enthusiasts. However, its immense power and high-speed capabilities make it a high-risk vehicle in the eyes of insurance companies.
The GT500’s accident rates tend to be higher due to its performance-oriented nature, as drivers often push its limits. Additionally, repairs for such a high-performance machine are expensive, with specialized parts and skilled labor required. The cost of replacement parts, especially for its supercharged engine and performance components, further drives up insurance premiums.
While the Shelby GT500 offers an exhilarating driving experience, owners must be prepared for increased insurance costs. The combination of raw power, accident risk, and repair expenses makes it one of the pricier muscle cars to insure.
7. Audi RS7 Sportback
The Audi RS7 Sportback blends luxury and high performance, making it a sought-after yet expensive car to insure. Powered by a twin-turbocharged V8 engine delivering 591 horsepower, this four-door powerhouse offers speed, precision, and cutting-edge technology. However, its high insurance costs stem from several factors.
First, the RS7’s advanced features and premium materials make repairs costly. Replacement parts, especially for its high-performance engine and tech-heavy interior, require specialized service. Additionally, its desirability makes it more vulnerable to theft, further raising insurance premiums.
While the RS7 delivers an unmatched driving experience, its luxury status, repair expenses, and theft risk make it one of the pricier vehicles to insure. Owners should factor in these costs when considering this high-performance sports sedan.
8. Lamborghini Huracán Tecnica
Exotic supercars like the Lamborghini Huracán Tecnica carry extremely high insurance rates due to their performance and repair costs. Powered by a naturally aspirated V10 engine producing 631 horsepower, the Huracán Tecnica is built for speed and precision. However, its exclusivity and high-performance nature make it expensive to insure.
Limited parts availability means repairs require specialized components and expert labor, significantly raising costs. Additionally, high accident risks associated with supercars further drive up insurance premiums. The combination of advanced engineering, luxury materials, and limited production makes even minor repairs costly.
While the Huracán Tecnica offers an exhilarating driving experience, owners must be prepared for steep insurance expenses. Its exclusivity, repair complexity, and accident risk make it one of the priciest supercars to insure.
Also Read: 10 Luxury Cars That Were a Complete Letdown When Introduced
9. Mercedes-AMG GT Black Series
The Mercedes-AMG GT Black Series is a high-performance, track-focused sports car powered by a 720-horsepower twin-turbocharged V8 engine. Its extreme power and engineering excellence make it a dream for enthusiasts, but also one of the most expensive cars to insure in 2025.
Due to its limited production, replacement parts are scarce and costly, making repairs expensive. The car’s high-performance nature also increases accident risks, leading insurers to charge hefty premiums. Additionally, specialized servicing and advanced materials add to the overall insurance costs.
While the AMG GT Black Series delivers an unmatched driving experience, its exclusivity, repair complexity, and performance risks make it one of the priciest vehicles to insure.
10. Nissan GT-R Nismo
The Nissan GT-R Nismo, famously known as “Godzilla,” is a high-performance sports car celebrated for its speed and advanced aerodynamics. Equipped with a hand-built twin-turbo V6 generating 600 horsepower, it’s a powerhouse in the performance car world. However, its insurance rates are among the highest.
The GT-R Nismo’s advanced engineering and specialized parts make repairs costly. Additionally, its reputation for speed and appeal to street racers increase accident risks, prompting insurers to charge higher premiums. The combination of high repair costs, performance capabilities, and theft appeal further adds to its insurance expenses.
While the GT-R Nismo offers an exhilarating performance, owners must be prepared for the steep insurance costs that come with this legendary supercar.
If you’re in the market for a high-performance or luxury car, be prepared for steep insurance rates. These vehicles, while thrilling to drive, come with risks that insurance companies factor into their pricing. Whether it’s high repair costs, accident likelihood, or theft rates, the cars on this list are among the most expensive to insure in 2025. Before making a purchase, it’s always a good idea to get an insurance quote to ensure you can afford the total cost of ownership.
