The Top 9 Most Expensive Cars to Insure in the World

Their rarity, performance, and luxury status mean they demand specialized insurance with high liability limits, comprehensive coverage, and experienced insurance companies that cater to high-net-worth clients.

When it comes to luxury vehicles and high-end performance machines, the thrill of ownership also comes with a reality check: sky-high insurance costs. Whether you own a rare exotic car or dream of someday parking one in your garage, understanding the most expensive cars to insure can help you prepare for the financial responsibilities that come with them.

In this guide, we’ll explore what cars are most expensive to insure, what makes them cost so much, and how specialized full coverage car insurance works for these elite rides for high-net-worth individuals.

Why Are These Cars So Expensive to Insure?

Insurance companies consider multiple risk factors when calculating car insurance premiums. For luxury vehicles and sports cars, several factors send rates through the roof:

• Repair and replacement costs for exotic parts and tech
• Higher likelihood of theft or vandalism
• Powerful engines that increase accident risk
• Limited production makes them harder to value and fix
• The need for personal injury protection in high-speed accidents

Whether you’re a collector, investor, or just a serious car enthusiast, these vehicles all come with higher rates than your average sedan.

1. Rolls-Royce Droptail

Cost: $32 million
Units Produced: 4

As part of Rolls-Royce’s Coachbuild series, the Droptail is more art than automobile. With a value north of $30 million, this luxury vehicle requires ultra-specialized full coverage car insurance, including agreed-value policies and customized personal property protection. Even the cost of car insurance is highly personalized.

2. Red Bull RB17

Cost: $6.8 million
Units Produced: 50

This isn’t your everyday supercar—this is a track-only hypercar built by one of Formula One’s greatest engineering teams. With mega horsepower, F1 aerodynamics, and zero road legality, finding an insurer willing to cover this beast is harder than finding one that covers yachts. Coverage must include wreck removal, liability for track accidents, and more.

3. Pininfarina B95

Cost: $4.8 million
Units Produced: 10

The B95 is what Pininfarina calls an "open-sky hypercar"—minimalist, powerful, and extremely rare. Since just ten models were produced, the cost of insurance reflects its exclusivity. Custom coverage limits are needed to protect against total loss, partial loss, and damage during transport or display.

4. Aston Martin Valkyrie Spider

Cost: $4 million
Units Produced: 85

A convertible hypercar from the iconic brand, the Valkyrie Spider requires luxury vehicle insurance that accounts for its removable roof, carbon-fiber body, and 1,000+ horsepower. Whether you're storing it or driving it, insurance costs are extremely high.

5. Gordon Murray T.50

Cost: $3.4 million
Units Produced: 100

Designed by a Formula One legend, the T.50 is lightweight, analog, and incredibly expensive. Cars with the most expensive insurance often need protection for the unique materials and systems used—something only specialized insurance providers can offer.

6. Koenigsegg Jesko Absolut

Cost: $3.4 million
Units Produced: 125

With a theoretical top speed of over 300 mph and 1,600 horsepower, the Jesko is among the most expensive car brands to insure. Even simple repairs can cost six figures. Expect full coverage car insurance with high liability protection, especially if the car is being driven rather than stored.

7. Pininfarina Battista

Cost: $2.5 million
Units Produced: 150

An all-electric hypercar with 1,900+ horsepower, the Battista blends technology and speed—both factors that increase insurance premiums. Damage to battery systems can be more expensive than fixing a typical car.

8. Rimac Nevera R

Cost: $2.5 million
Units Produced: 40

Another high-powered EV, the Rimac Nevera R tops 2,000 horsepower and represents cutting-edge performance. As with all luxury vehicles, the cost of car insurance reflects the challenge of sourcing parts and qualified technicians for repair or replacement.

9. McLaren W1

Cost: $2.1 million
Units Planned: 399

McLaren’s latest hybrid hypercar is blazing fast, and all 399 units are already spoken for. Insuring a car like the W1 requires more than a basic policy—it needs agreed-value coverage, protection for personal injury, and tailored limits that reflect its $2 million+ price tag.

What Makes These Cars More Expensive to Insure?

Let’s break it down:

1. Rarity & Exclusivity

• Parts and labor for these sports cars can be hard to source.
• They often require international shipping for repairs or replacement.

2. Performance & Risk

• Powerful engines mean faster speeds and higher crash risks.
• These cars are often used in high-performance settings, such as private tracks.

3. Valuation & Coverage Needs

• You’ll often need agreed-value policies vs. actual cash value.
• Coverage options can include protection during transportation, storage, and even display at auction houses or car shows.

How to Get the Right Coverage

If you own or plan to own one of these cars with the most expensive insurance, here are a few key steps:

Step 1: Work with a Specialist

Find an agent who deals in high-net-worth insurance solutions. Regular insurance companies may not understand the risks or value of your vehicle.

Step 2: Choose Your Policy Type

You’ll need more than liability-only coverage. Look for:

• Full coverage car insurance
• Replacement cost vs. actual cash value
• Protection for partial loss and total loss

Step 3: Evaluate Your Risk Profile

Whether you store your hypercar, drive it, or race it on a track, your insurance coverage needs change. Tell your provider about all use cases.

Pro Tips for Saving on Premiums

• Bundle policies with other assets like home, collections, or other vehicles
• Install tracking devices and theft deterrents
• Consider higher deductibles if you're unlikely to file small claims
• Keep the car in a monitored storage facility
• Limit your mileage for reduced risk

The Bottom Line

Owning a hypercar is a dream come true. But don’t let inadequate insurance turn it into a nightmare. The most expensive car to insure requires careful planning, tailored coverage options, and a provider who understands the luxury space.

Whether you're covering a one-of-a-kind Rolls-Royce or another high-value vehicle, your coverage should be as specialized as your car. World Insurance offers coverage solutions to match your car’s value and performance.