$7,090 a year. That’s what it costs, on average, to insure a Maserati Quattroporte in 2026 — $591 a month, based on rate data across 4,781 vehicle combinations, 34,595 ZIP codes, and 174 insurers. At the other end sits the Honda CR-V, the cheapest vehicle in America to insure at just $1,932 a year, or $161 a month.

The Math Behind the Gap

Insurers price a car by what it costs them when something goes wrong, not by how much you love it. Insure.com’s analysis runs both cars through an identical hypothetical driver profile, isolating the vehicle as the only variable.

It’s Not Just About Horsepower

Repair complexity matters as much as speed. Specialized parts and labor are insurer shorthand for “expensive claim,” which is why two similarly priced vehicles can land in very different spots on a rate table.

The Takeaway for Anyone Cross-Shopping

The insurance bill compounds every year it sits in your driveway — on the extremes of this list, that difference is bigger than a lot of people’s monthly grocery budget.