Why Americans need to spend even more on auto insurance in 2023
Here’s why your car insurance payments could increase in 2023.
FAQ only, USA TODAY
- The cost of auto insurance is rising along with the price of new cars.
- The average cost of full coverage auto insurance was $2,312 per year as of December 2025.
- Luxury, high-performance sports cars, such as Maserati and Audi models, are the most expensive to insure.
Car buyers are paying more than ever for new models, and the cost of insuring them has also increased in recent years.
The average cost of full-coverage auto insurance in the U.S. in December 2025 was $2,312 per year, or $193 per month, according to Experian data. Experian’s data is based on policies sold through the auto insurance marketplace, the group said. This is a decrease from the average annual payment of $2,746 that Experian reported in December 2024, but a significant increase compared to the average annual payment of $2,140 that the group reported in March 2023.
The findings come as car buyers paid a record average of $50,326 for a new car in December 2025, according to Kelley Blue Book.
With all of this in mind, the USA TODAY Cars team researched several popular insurance tracking websites, including Insure.com, Insurify.com, and Carsedge.com, to come up with a list of the 10 most expensive models to insure.
1. Maserati Quattroporte
Manufacturer’s suggested retail price: $139,000
average premium: $10,737
what they saidStellantis said in an August 2024 press release that the Quattroporte is “the last Quattroporte to be renamed after the Quattroporte Grand Finale, its grand farewell from the automotive scene, and the last model built with a V8 internal combustion engine.”
2. Maserati Ghibli
Manufacturer’s suggested retail price: $75,000
average premium: $10,141
what they said: Stellantis said in a July 2023 press release, “Since its debut in 1967, the Maserati Ghibli has epitomized beauty and commercial success.”
3. Audi RS6
Manufacturer’s suggested retail price: $130,700
average premium: $8,039
what they said: Audi said in a press release in October 2024, “The 2025 Audi RS 6 Avant GT represents exclusivity and maximized performance.”
4.Audi RS7
Manufacturer’s suggested retail price: $130,700
average premium: $8,034
what they said: “With the performance of the Audi RS 7 Sportback and Audi RS 7 Sportback, Audi Sport has created an innovative sedan with a coupe-like grand tourer design,” Audi said in an October 2024 press release.
5.BMW M8 Gran Coupe
Manufacturer’s suggested retail price: $135,000
average premium: $7,938
what they said: Stellantis said in a July 2023 press release, “Since its debut in 1967, the Maserati Ghibli has epitomized beauty and commercial success.”
6. Audi S7
Manufacturer’s suggested retail price: $125,300
average premium: $7,611
what they said: Audi said in a February 2022 press release: “As the successor to the Audi V8, the A8 has been the brand’s cutting edge in the luxury sedan segment of Audi’s portfolio since 1994.”
7. Audi e-tron GT
Manufacturer’s suggested retail price: $125,500
average premium: $7,512
what they said: Audi said in a press release in June 2024, “The Audi e-tron GT quattro has been the electric and sporty top model in Audi’s product portfolio since its debut in 2021.”
8. Nissan GT-R
Manufacturer’s suggested retail price: $99,990
average premium: $7,267
what they saidNissan said in a press release that the GT‑R is “the pinnacle of Nissan high-performance engineering, offering a thrilling combination of high-horsepower engines, impressive handling and everyday driving technology.”
9.BMW M8
Manufacturer’s suggested retail price: $141,350
average premium: $7,236
What they said: “The new BMW 8 Series luxury sports car occupies an important position in the BMW model range,” BMW said in a press release.
10. Tesla Model 3
Manufacturer’s suggested retail price: $42,490
average premium: $4,675
What they said: Tesla said in a press release that the Model 3 Performance is a “highly differentiated performance trim that leverages Tesla’s latest manufacturing and engineering capabilities to create what is considered the perfect high-performance daily driver.”
