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 Volvo XC60 $1,517
2 Mercedes-Benz Metris $1,539
3 Acura RDX $1,616
4 Mercedes-Benz Sprinter $1,667
5 BMW X1 $1,697
6 Volvo S60 $1,724
7 Audi Q3 $1,732
8 INFINITI QX50 $1,734
9 Volvo XC40 $1,737
10 Mercedes-Benz GLA-Class $1,766
11 Acura MDX $1,777
12 Acura ILX $1,781
13 Mercedes-Benz GLC-Class $1,793
14 Lincoln Nautilus $1,811
15 Lexus RX 350 $1,814
16 Volvo V60 $1,826
17 Volvo V60 Cross Country $1,831
18 INFINITI QX60 $1,836
19 Audi Q5 $1,836
20 Cadillac XT5 $1,844
21 Cadillac XT4 $1,848
22 Lexus NX 300 $1,870
23 Lincoln Corsair $1,881
24 Acura TLX $1,881
25 BMW X2 $1,882
26 Land Rover Discovery Sport $1,891
27 Lexus GX 460 $1,915
28 BMW X3 $1,927
29 Lexus ES 350 $1,938
30 Lexus RX 450h $1,939
31 Audi A3 $1,960
32 Porsche Macan $1,966
33 Lincoln MKZ $1,972
34 Lincoln Continental $1,974
35 Volvo S90 $1,984
36 Volvo XC90 $1,996
37 Audi A4 $2,010
38 BMW 2 Series $2,036
39 Audi e-tron $2,037
40 Jaguar F-Pace $2,046
41 Audi SQ5 $2,051
42 Jaguar E-PACE $2,078
43 Alfa Romeo Stelvio $2,079
44 Land Rover Discovery $2,079
45 Mercedes-Benz C-Class $2,082
46 Audi Q7 $2,083
47 INFINITI QX80 $2,097
48 Mercedes-Benz A-Class $2,109
49 Land Rover Range Rover Evoque $2,128
50 BMW i3 $2,141
51 Cadillac CT4 $2,144
52 Lincoln Navigator $2,159
53 Cadillac CT5 $2,172
54 Mercedes-Benz SL-Class $2,191
55 Lexus ES 300h $2,192
56 Mercedes-Benz CLA-Class $2,196
57 Mercedes-Benz GLE-Class $2,201
58 Audi A5 $2,209
59 Tesla Model 3 $2,224
60 BMW 3 Series $2,225
61 Mercedes-Benz GLS-Class $2,226
62 Lexus IS 350 $2,242
63 Audi A5 Sportback $2,255
64 Land Rover Range Rover Velar $2,265
65 INFINITI Q60 $2,266
66 Alfa Romeo Giulia $2,272
67 Audi TTS $2,272
68 Jaguar XE $2,284
69 Cadillac Escalade ESV $2,298
70 Lexus GS 350 $2,307
71 BMW X5 $2,319
72 Porsche Cayenne $2,323
73 Lexus LX 570 $2,346
74 Audi A6 $2,348
75 Acura RLX $2,355
76 Audi TT $2,356
77 Genesis G80 $2,391
78 Mercedes-Benz E-Class $2,405
79 Cadillac Escalade $2,412
80 BMW 4 Series $2,415
81 Cadillac CT6 $2,435
82 Genesis G90 $2,441
83 Audi Q8 $2,442
84 BMW 5 Series $2,442
85 Audi S4 $2,452
86 INFINITI Q50 $2,479
87 Porsche 718 Boxster $2,496
88 Audi S5 $2,520
89 BMW X6 M $2,533
90 Jaguar XF $2,533
91 Lincoln Aviator $2,593
92 BMW Z4 $2,613
93 Land Rover Range Rover Sport $2,624
94 Jaguar F-TYPE $2,727
95 Audi A7 $2,730
96 Jaguar I-PACE $2,741
97 Mercedes-Benz CLS-Class $2,777
98 Audi S6 $2,942
99 Tesla Model Y $2,950
100 Land Rover Range Rover $2,964
101 BMW 7 Series $2,982
102 Genesis G70 $2,984
103 Mercedes-Benz G-Class $2,987
104 BMW X7 $3,036
105 Lexus RC F $3,052
106 BMW X6 $3,104
107 Mercedes-Benz S-Class $3,158
108 Audi A8 $3,176
109 Mercedes-Benz SLC 300 Roadster $3,194
110 Tesla Model S $3,268
111 Tesla Model X $3,301
112 Porsche Panamera $3,322
113 BMW M5 $3,331
114 BMW 8 Series $3,385
115 Audi S8 $3,656
116 Porsche 911 $3,716
117 BMW i8 $3,745
118 Maserati Levante $3,949
119 Aston Martin Vantage $4,002
120 Audi R8 $4,016
121 Bentley Bentayga $4,142
122 Maserati Ghibli $4,408
123 Rolls-Royce Ghost $4,810
124 Bentley Continental GT $4,952
125 Lamborghini Huracan $5,977
126 Lamborghini Aventador $6,822
127 Rolls-Royce Wraith $8,643