If you think sports cars and luxury cars are among the most expensive cars to insure, you’d be right. According to data from InsWeb, the top 25 most expensive vehicles to insure are mostly upscale and luxury makes, along with the requisite number of high-performance cars.
InsWeb is an online insurance comparison provider and put this list together by comparing consumer requests for auto coverage quotes from about 400 companies. The data covers requests made by consumers from January to September 2010 for 2010 vehicles.
All but five of the vehicles on the InsWeb list are cars. We’ll cover the top five most expensive cars to insure here. For the full list, go to InsWeb.
Audi TTS – The top-line trim of the , the 2010 , available in coupe and convertible, slots in at the number-two spot on the InsWeb list and number one most expensive cars to insure. No surprise here, since with its turbocharged 2.0-liter I4 engine generating 265 horsepower, Audi TTS goes exceptionally fast: Zero to 60 times in 4.9 seconds (coupe) and 5.1 seconds (convertible). Consumer Guide observes: “Audi TT is a luxury tourer in base 2.0T trim and very close to an all-out sports car in TTS guise.”
Audi A5 – The midsize luxury sports car seats four, features standard quattro all-wheel drive, and comes in coupe or convertible models. The 2010 Audi A5 is the second most expensive car to insure on the InsWeb list. Car and Driver comments: “Few can argue against the Audi A5 as a stunning piece of automotive sculpture…seductive styling, well-balanced chassis, powerful-yet-frugal four-cylinder [but it] gets pricey with options, some turbo lag, and unflattering exhaust notes.”
Chevrolet Corvette – Third-ranked most expensive cars to insure belongs to the . Although luxury sports cars don’t come much more affordable than the 2010 Chevrolet Corvette, with starting MSRPs from about $49,000, insuring such a high-performance vehicle (standard 430-horsepower V8 engine), can get quite costly. Corvette coupes and convertibles do have numerous standard safety features. Consumer Guide notes: “This Best Buy Corvette is fast fun. These are reasonably practical sports cars that cost thousands less than rivals with similar performance, making them great choices.”
BMW Z4 – Some reviewers say the luxury roadster has what it takes to be one of the all-time great roadsters, thanks to strong and smooth powertrain options, exceptional ride and handling, and standard retractable hardtop. But it costs nearly as much as – and is the fourth most expensive car to insure on the InsWeb list. Kelley Blue Book observes: “While some premium roadster drivers are serious about power, handling and feel, a good many are more interested in style and fresh-air fun. In a segment that includes the Porsche Boxster, Mercedes-Benz SLK, and Audi TT, no car can appeal to both camps more than the latest Z4.”
Lexus SC – Consumers often cross-shop the 2010 Lexus SC luxury convertible with Mercedes-Benz SL and SLK drop-top models and Porsche Boxster, but the Lexus SC is the only one that appears on InsWeb’s list of most expensive cars to insure (number five in cars). Lexus SC also suffers from limited cargo space and a cramped back seat. Car and Driver says: “Dynamically, it’s soft, vague and jiggly compared with the latest machinery, and a bit pricey. It is a boulevard cruiser for dawdling sun-seekers.”