10 Most Expensive Cars to Insure in the UK (2024)

Insuring a luxury car costs far more than you might expect — and the sticker price is only part of the story. From blistering top speeds to eye-watering repair bills, several factors combine to push certain vehicles into the highest insurance brackets. Whether you’re considering buying one of these prestige machines or simply curious about what makes them so costly to cover, read on to discover the 10 most expensive cars to insure in the UK.

Why Are Some Cars So Expensive to Insure?

Cars in the UK are divided into 50 insurance groups, with group 50 being the most expensive. Several key factors push a vehicle into the highest insurance brackets:

• High market value — the more a car costs to buy, the more it costs to replace or repair.
• High performance — fast acceleration and top speeds increase the risk of accidents.
• Expensive parts — specialist or imported components drive up repair costs.
• Long repair times — cars that take longer to fix mean longer periods without the vehicle, adding to claim costs.
• Limited availability of specialist mechanics — not every garage can service a Porsche or a Tesla.

Data for this list is provided by the Motor Insurance Repair and Research Centre in Thatcham and the car valuation portal Parkers.co.uk. Here are the top 10 most expensive cars to insure in the UK.

1. Mercedes AMG GT Roadster

The Mercedes AMG GT Roadster tops our list — and it’s not hard to see why. With a maximum speed of 196 mph and a starting price of around £140,000, this open-top supercar presents a significant risk to insurers. Key facts:

• Top speed: 196 mph
• Starting price: ~£140,000
• Insurance group: 50
• High-performance AMG engine with premium repair costs

2. BMW 7 Series

A flagship luxury saloon with a storied history, the BMW 7 Series has been in production since 1977. The latest generation, released in 2015, is packed with cutting-edge technology that makes repairs both complex and costly. Here’s what places it in the highest insurance group:

• Advanced driver-assistance systems and sensors are expensive to replace
• Large, powerful engine options including V8 and V12 variants
• Premium materials throughout the interior add to repair costs
• Insurance group: 50

3. Porsche Panamera Sport Turismo

Porsche’s first-ever estate car, the Panamera Sport Turismo, blends practicality with serious performance. While it offers more boot space than a typical Porsche, it sits firmly in insurance group 50, making it one of the priciest cars to insure in the UK.

• Porsche’s most practical model — but still a high-performance machine
• Twin-turbocharged engines across the range
• Specialist Porsche parts and servicing required
• Insurance group: 50

4. Audi RS7 Sportback

The Audi RS7 Sportback is a stunning combination of style and raw power. Powered by a 4.0-litre V8 twin-turbo engine, this German performance car is firmly placed in insurance group 50. What makes it so costly to cover?

• 4.0-litre V8 biturbo engine producing over 600 bhp
• Top speed electronically limited to 155 mph (higher with optional packages)
• Complex drivetrain and Quattro all-wheel-drive system
• Expensive Audi RS-specific components
• Insurance group: 50

5. Lexus LS

First unveiled in 1989, the Lexus LS redefined what a luxury saloon could be. Now in its fifth generation, the LS Saloon and Coupé models remain among the most expensive cars to insure in the UK, thanks to their advanced hybrid technology and premium build quality.

• Advanced multi-stage hybrid powertrain
• Highly sophisticated suspension and electronics systems
• Specialist Lexus dealership servicing required
• Insurance group: 50

6. Tesla Model X SUV

The Tesla Model X is unlike anything else on the road. This fully electric seven-seat SUV brings futuristic technology and impressive performance to the family car segment — but those innovations come at an insurance cost.

• Iconic falcon-wing rear doors with automatic sensors
• Dual-motor all-wheel drive with rapid 0–60 mph acceleration
• Expensive battery pack and EV-specific repair requirements
• Over-the-air software updates, but specialist bodywork repairs needed
• Insurance group: 50

7. Porsche Cayenne Turbo

The Porsche Cayenne Turbo is the largest model in Porsche’s line-up and one of the most powerful SUVs on the market. With prices starting from £89,000, it’s an expensive car to buy — and to insure.

• 4.0-litre V8 twin-turbo engine with around 550 bhp
• Top speed of 178 mph — exceptional for an SUV
• Air suspension and active chassis systems are costly to repair
• Starting price: ~£89,000
• Insurance group: 50

8. Audi R8 Spyder

The Audi R8 Spyder is Audi’s flagship supercar, and its performance figures are staggering. With a top speed of 194 mph and a naturally aspirated V10 engine shared with the Lamborghini Huracán, the cost of insurance is no surprise.

• 5.2-litre naturally aspirated V10 engine
• Top speed: 194 mph
• Open-top convertible design adds to structural repair complexity
• Shares components with Lamborghini — specialist parts required
• Insurance group: 50

9. Jaguar F-Type Convertible

The Jaguar F-Type Convertible is one of Britain’s most iconic sports cars, combining head-turning looks with serious performance. Equipped with a 5.0-litre V8 supercharged engine, it can reach speeds of up to 195 mph — placing it squarely in insurance group 50.

• 5.0-litre supercharged V8 engine
• Top speed: 195 mph
• Convertible soft-top adds complexity and repair cost
• Aluminium-intensive body structure requires specialist repair
• Insurance group: 50

10. Land Rover Range Rover Sport SVR

Jaguar Land Rover describes the Range Rover Sport SVR as the fastest and most powerful Land Rover ever built. Starting at around £94,000, it’s a formidable machine — and one that commands a premium insurance policy to match.

• 5.0-litre supercharged V8 engine producing 575 bhp
• Top speed: 162 mph — the fastest Land Rover in history at launch
• Adaptive air suspension and sophisticated off-road systems
• Starting price: ~£94,000
• Insurance group: 50

Final Thoughts: Is Expensive Car Insurance Worth It?

If you’re set on owning one of these high-performance machines, it’s essential to factor insurance costs into your budget from the very beginning. Shopping around for specialist high-value car insurance, considering agreed-value policies, and maintaining a clean driving record can all help reduce the premium — but with group 50 cars, costs will always be significant.

Data sourced from the Motor Insurance Repair and Research Centre in Thatcham and Parkers.co.uk.