US auto insurance costs continue to climb alongside vehicle prices, tightening household budgets even as average premiums show short-term volatility.
Full coverage auto insurance in the US averaged $2,312 per year in December 2025, or about $193 per month, based on policy data from Experian’s automotive insurance marketplace.
That figure sits below the $2,746 annual average reported in December 2024, yet remains well above the $2,140 level recorded in March 2023, underscoring the longer upward trend, acording to US Auto Insurance Rates by States.
Insurance inflation tracks vehicle pricing closely. New car buyers paid an average of $50,326 in December 2025, the highest level on record, according to Kelley Blue Book.
Higher replacement costs, more complex technology, and expensive parts continue feeding directly into premium calculations.
Against that backdrop, high-end and performance-oriented vehicles dominate the top end of insurance pricing.
A review of data from insurance comparison platforms including Insure, Insurify, and CarsEdge shows luxury sedans and sports cars carrying annual premiums several times the national average.
- At the top of the list sits the Maserati Quattroporte. With a sticker price near $139,000, average annual insurance costs reach roughly $10,737. The model also marks the end of an era, as the manufacturer has positioned it as the final V8-powered Quattroporte.
- The Maserati Ghibli follows closely, with average insurance costs around $10,141 on a vehicle priced near $75,000. Despite its lower MSRP relative to the Quattroporte, repair severity and performance risk push premiums into similar territory.
- Audi’s high-performance lineup features prominently. The RS6 carries average annual insurance costs of about $8,039, while the RS7 sits just below at $8,034. Both models list around $130,700 and combine high horsepower with costly parts and advanced systems. Audi’s S7 and electric e-tron GT also rank among the most expensive, with insurance averaging $7,611 and $7,512 respectively.
- BMW’s M8 variants round out the upper tier. The M8 Gran Coupe posts average insurance costs of roughly $7,938 on a $135,000 MSRP, while the standard M8 comes in at about $7,236 with pricing above $141,000. High repair costs and performance exposure remain central pricing drivers.
- Performance cars outside the luxury sedan category also carry heavy insurance burdens. The Nissan GT-R, priced just under $100,000, averages about $7,267 annually in insurance costs, reflecting both speed potential and repair expense.
- The outlier on the list is the Tesla Model 3. With an MSRP around $42,490, it costs far less to buy than most vehicles listed, yet average annual insurance still reaches $4,675.
According to Beinsure analysts, battery repair costs, calibration requirements, and claims severity continue to weigh on EV insurance pricing despite broader market adoption.
Overall, the data reinforces a clear pattern. As vehicle prices rise and technology grows more complex, insurance costs follow, with luxury, performance, and advanced electric models bearing the heaviest burden.
For buyers, insurance expense now ranks alongside financing and maintenance as a core factor shaping total cost of ownership.
