Ranking the Least Expensive Luxury Cars to Insure

The cheapest cars to insure are often the ones with lowest sticker prices. But this isn't always the case. Factors like safety features, repair costs and typical driver profile all play a role. We analyzed over 300 models and ranked the least and most expensive luxury and popular cars to insure. Our rankings are based on a 40 year old good driver with full coverage and good credit that drives around 13k miles annualy.

A few of these rankings may surprise you, while many are right about where you'd expect them to be. Keep in mind that the brand rankings are an average of their models. Some manufacturers only produce small affordable sedans, while others have a full line-up of cars, trucks and SUVs. Click on any brand or model name to see more detail on how age, location and driving record can impact rates. Or, visit our Competitive Quote Tool to search for a lower insurance premium.

Insurance premiums vary a great deal per individual and by provider. Smart car buyers compare insurance rates before they buy their next vehicle to avoid unpleasant surprises. As car-buyer advocates, our mission is to educate and inform car shoppers before they buy.

Even if you're not in the market for a car, you may still be able to find a more affordable policy with identical coverage. If you haven't compared insurance rates for more than three years, you're due to see what's out there. Insurance companies compete vigorously for new business. Changing insurance carriers is a relatively easy process. You can shop multiple quotes using our Competitive Quote Tool. Who knows, you may be able to save hundreds of dollars per year, in just a few clicks. While it's free to use, we do receive a small commission if you find a better deal.

The Cheapest Luxury Cars to Insure

The Least Expensive Luxury Cars to Insure

Rank Model Annual Insurance Cost
1 Acura RDX $1,471
2 Volvo XC60 $1,481
3 Mercedes-Benz Metris $1,483
4 BMW X1 $1,544
5 Volvo S60 $1,568
6 Mercedes-Benz Sprinter $1,572
7 Audi Q3 $1,575
8 INFINITI QX50 $1,577
9 Volvo XC40 $1,580
10 Mercedes-Benz GLA-Class $1,607
11 Acura MDX $1,617
12 Acura ILX $1,621
13 Mercedes-Benz GLC-Class $1,632
14 Volvo XC90 $1,637
15 Lincoln Nautilus $1,648
16 Audi A4 $1,649
17 Lexus RX 350 $1,651
18 Volvo V60 $1,662
19 Volvo V60 Cross Country $1,666
20 BMW 2 Series $1,670
21 Audi e-tron $1,671
22 INFINITI QX60 $1,671
23 Audi Q5 $1,671
24 Jaguar F-Pace $1,678
25 Cadillac XT5 $1,678
26 Cadillac XT4 $1,682
27 Audi SQ5 $1,682
28 Lexus NX 300 $1,702
29 Jaguar E-PACE $1,704
30 Land Rover Discovery $1,705
31 Alfa Romeo Stelvio $1,705
32 Mercedes-Benz C-Class $1,708
33 Audi Q7 $1,708
34 Lincoln Corsair $1,712
35 Acura TLX $1,712
36 BMW X2 $1,713
37 INFINITI QX80 $1,720
38 Land Rover Discovery Sport $1,721
39 Mercedes-Benz A-Class $1,730
40 Lexus GX 460 $1,743
41 Land Rover Range Rover Evoque $1,745
42 BMW X3 $1,753
43 BMW i3 $1,756
44 Cadillac CT4 $1,757
45 Lexus ES 350 $1,763
46 Lexus RX 450h $1,764
47 Lincoln Navigator $1,770
48 Cadillac CT5 $1,780
49 Audi A3 $1,783
50 Porsche Macan $1,788
51 Lincoln MKZ $1,794
52 Lincoln Continental $1,796
53 Mercedes-Benz SL-Class $1,796
54 Lexus ES 300h $1,797
55 Mercedes-Benz CLA-Class $1,800
56 Mercedes-Benz GLE-Class $1,804
57 Volvo S90 $1,805
58 Audi A5 $1,812
59 Tesla Model 3 $1,823
60 BMW 3 Series $1,825
61 Mercedes-Benz GLS-Class $1,826
62 Lexus IS 350 $1,839
63 Audi A5 Sportback $1,849
64 Land Rover Range Rover Velar $1,858
65 INFINITI Q60 $1,858
66 Alfa Romeo Giulia $1,863
67 Audi TTS $1,863
68 Jaguar XE $1,873
69 Cadillac Escalade ESV $1,885
70 Lexus GS 350 $1,892
71 BMW X5 $1,902
72 Porsche Cayenne $1,905
73 Lexus LX 570 $1,924
74 Audi A6 $1,926
75 Acura RLX $1,931
76 Audi TT $1,932
77 Genesis G80 $1,961
78 Mercedes-Benz E-Class $1,972
79 Cadillac Escalade $1,978
80 BMW 4 Series $1,980
81 Cadillac CT6 $1,996
82 Porsche 718 Boxster $1,997
83 Genesis G90 $2,001
84 Audi Q8 $2,002
85 BMW 5 Series $2,002
86 Audi S4 $2,010
87 Audi S5 $2,016
88 BMW X6 M $2,026
89 Jaguar XF $2,026
90 INFINITI Q50 $2,033
91 Lincoln Aviator $2,074
92 BMW Z4 $2,090
93 Land Rover Range Rover Sport $2,099
94 Jaguar F-TYPE $2,182
95 Audi A7 $2,185
96 Jaguar I-PACE $2,193
97 Mercedes-Benz CLS-Class $2,221
98 Audi S6 $2,354
99 Tesla Model Y $2,360
100 Mercedes-Benz G-Class $2,360
101 Land Rover Range Rover $2,372
102 BMW 7 Series $2,386
103 Genesis G70 $2,388
104 BMW X7 $2,399
105 Lexus RC F $2,411
106 BMW X6 $2,452
107 Mercedes-Benz S-Class $2,495
108 Audi A8 $2,509
109 Mercedes-Benz SLC 300 Roadster $2,523
110 Tesla Model S $2,582
111 Tesla Model X $2,608
112 Porsche Panamera $2,624
113 BMW M5 $2,632
114 BMW 8 Series $2,674
115 Audi S8 $2,889
116 Porsche 911 $2,935
117 BMW i8 $2,958
118 Aston Martin Vantage $3,082
119 Audi R8 $3,092
120 Maserati Levante $3,120
121 Bentley Bentayga $3,189
122 McLaren 570S $3,359
123 Maserati Ghibli $3,394
124 Rolls-Royce Ghost $3,704
125 Bentley Continental GT $3,813
126 Lamborghini Huracan $4,423
127 Lamborghini Aventador $5,048
128 Rolls-Royce Wraith $6,223