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You could buy four 2021 Chrysler Voyager minivans for the cost of one 2021 Maserati Quattroporte S GranSport. So perhaps we shouldn’t be surprised that the Maserati also costs four times as much to insure.
Insure.com ran the numbers to find the most and least expensive cars to insure this year. You will not find a lot of surprises on the list. But it serves as a reminder that the basic rules always apply — if you want a car that’s inexpensive to own, go with a common one.
The Maserati Quattroporte
Maserati
Americans now buy more SUVs than cars and trucks combined. Apart from the Voyager, every vehicle on the list of the 10 cheapest cars to insure is an SUV.
See: These are the best minivans for 2021
Meanwhile, if you want to stand out from the crowd, your bills are going to be as exceptional as your car. The list of the 10 most expensive cars to insure is full of rarities and special editions.
The least expensive cars to insure:
| Make and Model | National Average Rate | |
| 1 | Chrysler Voyager L | $1,272 |
| 2 |
Honda HMC, CR-V LX |
$1,285 |
| 3 |
Mazda MZDAY, CX-3 Sport |
$1,294 |
| 4 | Fiat 500X Trekking | $1,301 |
| 5 | Honda HR-V LX | $1,322 |
| 6 | Jeep Compass Sport | $1,324 |
| 7 | Mazda CX-5 Sport | $1,328 |
| 8 |
Subaru FUJHY, Outback 2.5I |
$1,330 |
| 9 | Subaru Forester 2.5I | $1,333 |
| 10 | Jeep Wrangler JL Sport | $1,339 |
The most expensive cars to insure:
| Make and Model | National Average Rate | |
| 1 | Maserati Quattroporte S GranSport | $4,823 |
| 2 | Maserati Ghibli S Q4 GranSport | $4,208 |
| 3 |
Tesla TSLA, Model S Plaid |
$4,143 |
| 4 | Tesla Model X Plaid | $4,025 |
| 5 |
BMW BMW, M760i xDrive |
$3,914 |
| 6 | BMW M8 xDrive | $3,907 |
| 7 | Audi R8 5.2L Spyder Quattro | $3,863 |
| 8 |
Nissan NSANY, GT-R Nismo |
$3,829 |
| 9 | Maserati Levante GTS | $3,803 |
| 10 | BMW M5 Competition xDrive | $3,777 |
Survey methodology
To get the numbers, Insure.com pulled insurance quotes from the six large insurers in all 50 states, using a theoretical average driver. Their imaginary driver was a 40-year-old man with a 12-mile daily commute, a clean record, and good credit.
Also see: What’s it like to drive the 2021 Maserati Ghibli?
They asked for quotes for nearly 3,000 models of car, seeking a policy with $100,000 for injury liability for one person, $300,000 for all injuries, and $50,000 for property damage in an accident. They used a $500 deductible and sought collision and comprehensive coverage. The rate for the male driver included uninsured motorist coverage.
This story originally ran on KBB.com.
