From post-WWII hot rod culture to Matthew McConaughey spouting beat poetry while driving a Lincoln, cars have just about always encapsulated the American dream, serving as both a measure of our success and of our freedom. Of course, no one has freedom from paying car insurance, which — according to a 2017 survey from Insure.com — runs an average of $1,318 yearly for a full-coverage policy. That's small potatoes for these luxury rides, though, as it turns out that the car of your dreams might just have the insurance payment of your nightmares.
The following rates are also based on Insure's survey, and assume the policy is for a 40-year-old male driver with a clean record. Click through to see what it costs to insure some of the fanciest cars on the planet, and learn all there is to know about buying auto insurance.
20. BMW Alpina B6 Gran Coupe
- Price: From $124,300
- Policy: $3,030
BMW fancies itself "the ultimate driving machine," but in this case, it's the ultimate car insurance machine. For a $3,030 annual full-coverage policy — based on estimates from Insure.com — on top of $124,300 worth of car, you'll get 600 horses, zero to 60 speeds in 3.7 seconds and the Beamer's high-performance xDrive, an intelligent all-wheel drive system that improves traction and handling.
19. Jaguar F-Type SVR Convertible
- Price: From $125,000
- Policy: $3,035
According to Jaguar, their 2018 F-Type SVR is the most powerful F-Type yet. That 200 mph top speed probably has something to do with the convertible's supercharged 5.0 liter twin vortex engine, which gets you from zero to 60 in 3.5 seconds and delivers 516 lb-ft of torque. Inside, a Touch Pro hardware multimedia and GPS system and a 380W Meridian sound system both come standard.
18. Porsche 911 Turbo S
- Price: From $190,700
- Policy: $3,050
The Porsche 911 has been a perennial status symbol since the dawn of the G-series in the 1970s and 1980s, and the $190,700 price tag on the current model is exactly the reason for that. If the sporty coupe's 2.8-second zero to 60 speed isn't quite enough to justify the $3,050 annual policy, maybe the Bose surround sound system and signature Porsche Doppelkupplung shifting is? Either way, save some money for gas — this one only gets 19 mpg in the city.
17. Porsche Panamera Turbo Executive
- Price: From $160,000
- Policy: $3,059
Speaking of Porsche, its Panamera Turbo Executive might clock in at an average of $9 more per year, insurance wise, but this four-door fastback is a far more conservative choice compared to the 911 Turbo S, as super-excessive cars go. At "only" $160,000, the Panamera sacrifices a bit of top speed, fuel efficiency and horsepower for a roomier interior and comfort features like lane change and parking assistance, InnoDrive with adaptive cruise control and a panoramic sunroof.Bill Gates Drives a Porsche: 10 Hottest Cars of Famous CEOs
16. Mercedes AMG S 63 Sedan
- Price: From $147,500
- Policy: $3,111
Get ready to see a lot of Mercedes models on this list. For millionaires on a budget, this year's Mercedes' AMG S 600-series sedan, the S 63, features a 4.0L AMG V8 biturbo engine, famously known as the "Bi-T." That gets it up to 60 mph in 3.4 seconds, but let's not forget the forged-alloy wheels, carbon fiber trim and tailored Nappa or semi-aniline leather interior.
15. Mercedes C 300 Cabriolet
- Price: From $51,200
- Policy: $3,157
Starting at $51,200, the compact 2018 C 300 Cabriolet is the most affordable car on this list. If you're lucky enough for it to be your first car, too, here's what you need to know about getting car insurance for the first time.
When it comes to insurance costs, that convertible styling will get you every time. According to the pros at IronPoint Insurance Services, convertibles tend to cost more to cover due to their sporty style, higher prices as compared to hardtop models, and increased vulnerability to theft and vandalism. In this car's case, it could also be because it's so luxurious it has neck-level heaters and allows drivers to start the engine using a smartphone.
14. Mercedes AMG GT
- Price: From $124,400
- Policy: $3,164
We told you there'd be a whole lot of Mercedes on this list. Another German-made beast with that V8 biturbo engine, this roadster's focus on high performance accounts for its equally high insurance bill. The two-seater AMG GT features 469 horses at 6,000 rpm and gives you plenty of control with a seven-speed AMG Speedshift DCT transmission.
13. Audi S7 Prestige
- Price: From $83,150
- Policy: $3,176
This luxury sedan is the first Audi with the company's signature Quattro all-wheel drive system among our crop of high-insurance cars, but it surely won't be the last. Under the hood, the S7 checks off a massive list of performance features, including a seven-speed S-Tronic dual-clutch transmission, a 450-hp, 4.0-liter TFSI V8 engine and Audi adaptive air suspension with S-model specific tuning. About $2,000 more than the base model, the Prestige edition adds a Valcona leather interior, LED lighting, soft-closing power doors and a corner-view camera system to the package.
12. Audi S8 Plus
- Price: From $115,900
- Policy: $3,208
Another Quattro-bearing Audi, the S8 Plus sedan ups both the base price and the insurance price because it majorly ups the performance. This four-door's TFSI V8 growls out a whopping 605 horses and 553 lb-ft of torque, plus dynamic, three-spoke multifunction sport steering while still managing to feature luxury perks like an MMI touch-based navigation system that actually recognizes the driver's handwriting.
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11. BMW M6 Gran Coupe
- Price: From $119,800
- Policy: $3,211
With 40 fewer horses and .5 seconds tacked on to the zero to 60 mph performance compared to its costlier counterpart, you might guess that the BMW M6 Gran Coupe would be less expensive to insure than the Alpina B6 model, but you'd be wrong — the M6 is about $200 more expensive to fully cover per year than its limited-production cousin. If you don't have $119,800 up front, BMW offers leases this model for a mere $1,639 per month.
10. Audi R8 Coupe
- Price: From $164,900
- Policy: $3,267
Oh, hello again, Audi. If you're looking for the single most expensive Audi to insure, you've just found it. Compared to the S-series sedans, the R8 coupe is slightly more expensive to insure due to the monster under the hood — rather than a TFSI V8, the R8 caters to motorsport enthusiasts with a 5.2-liter FSI dual-injection V10 at 540 hp, peaking at a top speed of 199 mph. Consider buying this supercar if you live in New Hampshire — it's the least expensive state to own a car.
9. Nissan GT-R Nismo
- Price: From $174,990
- Policy: $3,313
Nissan is nothing if not versatile — it's the only manufacturer on this list that also offers one of the least expensive to insure autos of 2017, too. At a yearly average of $1,216, the Nissan Frontier S pickup has the 15th-most affordable insurance rate in the nation, according to Insure.com. Not so with the 600-horsepower, limited edition GT-R Nismo. The hefty policy and heftier price are indicative of its 3.8-liter twin-turbocharged V6 engine, flashy carbon-fiber aerodynamic body, forged-alloy wheels and red Recaro leather-appointed interior.
8. Mercedes AMG SL 65
- Price: From $222,000
- Policy: $3,322
Congratulations, AMG SL 65 — you're the first car in our lineup to crack the $200,000 MSRP mark. $225,322 worth of fully-insured car gets you Mercedes' handcrafted AMG 6.0-liter V12 biturbo engine with a Speedshift Plus 7G-Tronic transmission, AMG performance suspension with two-stage adjustment, lots of handling features tuned for driving enthusiasts and even a touchscreen-enabled Dynamic Select system that lets you choose from a variety of throttle response, steering effort and shift point settings, from "Sport" to "Comfort" modes.
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7. Mercedes Maybach S 600
- Price: From $191,300
- Policy: $3,355
Realistically, once you equip your Maybach with extra bells and whistles and pay your taxes and fees, you're looking at over $200,000 worth of car, not including the estimated $3,355 annual policy. This roomy, wood-trimmed sedan outfitted with a Nappa leather interior, heated and cooled seats, a full telematics system and a power sunshade is the perfect choice for your chauffeured whip around town, where its turbocharged 6.0-liter V12 purrs along smoothly. Car and Driver called the 2016 model "a bargain."
6. Mercedes AMG C 43 Cabriolet
- Price: From $60,800
- Policy: $3,418
If you're disappointed that you only spent $60,800 on your Mercedes convertible, don't worry — you have plenty of options for spending more money. First, add an AMG Performance Studio package with gloss black exterior accents, 19-inch gloss black wheels, a diamond-block grille and Nappa leather steering wheel for $2,100, or a voice-controlled multimedia package for the same price. Maybe a driver assistance package with blind spot and lane assist features for $1,700? Trick your C 43 out with all the options and a year's worth of insurance, and presto: you're up to almost $70,000.
5. Mercedes S550 Cabriolet
- Price: From $131,400
- Policy: $3,502
If you'd rather spend almost twice as much on your Mercedes Cabriolet without tacking on all those extra options, the S550 convertible is for you. With a high-pressure, direct-injection biturbo V8 running at 449 horses, it's a beefier car for a beefier price. And when you put the top down while you cruise down the 405 in Los Angeles to your pitch meeting in Century City (not during rush hour, of course), the climate control system automatically adapts to the outside temperature. Another way to sample the luxury models like the S550 is to lease one — here's how to lease a car the right way.
4. Maserati Quattroporte GTS
- Price: From $147,000
- Policy: $3,547
Maserati calls its Quattroporte series "a world of opportunities for the visionary few." In this case, it's for the "visionary few" who have $147,000 to spend on a car and $3,547 to spend on its yearly full-coverage policy. The top of the Quattroporte line, the GTS, does not mess around. This sporty supersedan boasts a 3.8-liter V8 with 523 hp and a max torque of 524 ft-lb, reaching max speeds of 193 mph.
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3. Mercedes AMG S63 Cabriolet
- Price: From $176,400
- Policy: $3,624
You may have noticed a pattern: Convertible Mercedes are really expensive to insure. The AMG S63 Cabriolet – which produces 577 horses via a handcrafted 5.5-liter AMG V8 biturbo engine that gets to 60 in 3.8 seconds — tacks an estimated $3,634 worth of full coverage to its already steep price tag. But you'll get 12-way power front seats, multicolored LED zone lighting and a touch-controlled massage system, so that's a bonus.
2. Dodge Viper GTS Coupe
- Price: From $110,595
- Policy: $3,779
Whew, let's take a brief break from all these Mercedes and peek at a high-performance luxury sports car that has maintained a passionate following among gearheads since its introduction in 1992: The Dodge Viper. The 2017 Viper GTS Coupe is truly a supercar — at 645 horses and 600 lb-ft of torque, it's the most powerful car on our list. Handcrafted in the Motor City of Detroit, it's also the only American-made model in the lineup. This is the last year for the Viper; Dodge isn't producing the car anymore and the assembly plant has closed.
1. Mercedes AMG S65 Cabriolet
- Price: From $247,900
- Policy: $3,835
That's right — nine out of the 20 most expensive cars to insure in 2017 are made by Mercedes. It's no surprise that the top of the pricey policy list is also the most expensive car to purchase, with an MSRP starting at $247,900. A step up from the AMG S63, this S-Class convertible gets a lot more aggressive with a 621-hp 6.0-liter AMG V12 biturbo, plus a plethora of perks like collision prevention, a floating heads-up display that's projected onto the windshield, a touchpad-powered COMAND system and dual 12.3-inch high-resolution display screens.
2017 full-coverage annual insurance policy estimates provided by Insure.com, based on average rates for a single 40-year-old male with a clean record and good credit who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.