20 most expensive cars to insure
Dream of wafting along the motorway in a luxury limo or a high-performance sports car? You'll need deep pockets because they're some of the most expensive cars to insure...
All new cars are given an insurance group between 1 and 50, and these can give you a good steer of how expensive the cars will be to insure. Those with the lowest ratings will be the cheapest to insure, while those rated in the top 50 band will be the most costly.
Car insurance groups are set by the Group Rating Panel, which includes members of the Association of British Insurers and Lloyd's Market Association. The panel is administered by Thatcham Research, which assigns a rating to all new models. In working out each rating, Thatcham takes into account a number of areas: how susceptible the car is to accident damage, as well as how much it is likely to cost to repair and how long that work may take; the new price of the car; and which safety and security features are fitted.
The cost of cover also varies for people of different ages and professions. So to make all our quotes comparable, GoCompare based each quote on a 40-year-old man from London who has 10 years' no claims bonus and no driving convictions or accidents within the past five years, driving 10,000 miles a year.
Below we count down the 20 most expensive new cars to insure and tell you how much they cost.
20. Porsche Cayenne Turbo
Cost of insurance: £1510
It may now be commonplace for sports car makers to produce SUVs, but that wasn't the case in 2002 when the Cayenne first went on sale. The model may have upset car enthusiasts at the time, but Porsche went on to sell more than 770,000 Cayennes, making it the brand's most important car.
The Turbo costs nearly twice as much as the standard Cayenne, but it does come with a 4.0-litre V8 engine, air suspension and plenty of kit. That higher price and faster performance makes it pricier to insure, too.
See how much you could save on a Porsche Cayenne with What Car?'s New Car Buying service
Read our full Porsche Cayenne review
19. BMW 7 Series M760Li xDrive
Cost of insurance: £1682
The M760Li is the flagship of the 7 Series and borrows the 6.6-litre twin-turbo V12 of the Rolls-Royce Wraith. It costs a whole lot more than lesser 7 Series models, but insurance is around £1000 cheaper than what you'll pay for a Roller.
See how much you could save on a BMW 7 Series with What Car?'s New Car Buying service
Read our full BMW 7 Series review
18. Audi SQ7
Cost of insurance: £1732
The standard Q7 was so good that we named it our 2018 Luxury SUV of the Year, so it follows that this hot version will be equally appealing. With a 4.0-litre V8 diesel engine under the bonnet, the SQ7 certainly delivers on the performance front, and when you're not in a hurry it'll waft you along as quietly as a lesser Q7.
The SQ7 costs more than some rivals, but it's cheaper to buy and insure than the Range Rover Sport SVR.
See how much you could save on an Audi SQ7 with What Car?'s New Car Buying service
Read our full Audi SQ7 review
17. Bentley Flying Spur
Cost of insurance: £1792
The Flying Spur is a large four-door saloon that competes with the formidable Rolls-Royce Ghost. Unlike its chief rival, though, there are two engines to choose from: a 4.0-litre V8 and a 6.0 W12. Our price here is for the less powerful version.
Whichever engine you choose, you'll be wafted around effortlessly at high speed. The V8 is smoother and sounds better than the W12, and it's more affordable to insure than rivals from Rolls-Royce – read on to see how high those premiums are.
See how much you could save on a Bentley Flying Spur with What Car?'s New Car Buying service
Read our full Bentley Flying Spur review
16. McLaren 540C
Cost of insurance: £1982
Technically, the 540C is McLaren’s entry-level car, although that classification seems more than a little unfair. While it’s certainly the cheapest car the company offers, it still gets a 3.8-litre twin-turbocharged V8 like almost every other McLaren currently on sale.
It's surprisingly usable, shockingly rapid and great fun to drive, even at everyday road speeds.
See how much you could save on a McLaren 540C with What Car?'s New Car Buying service
Read our full McLaren 540C review
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