The 5 Most Expensive Cars To Insure In 2013

Buying insurance can be an important factor in choosing a car. Admittedly, it matters more at the low end. That is, the price of insurance matters most when you’re looking for the lowest cost insurance to cover the lowest cost vehicle. Chances are that if you can afford to buy any of the 2013 most expensive to insure vehicles, you can also afford the premiums. 

Mercedes-Benz tops the list in 2013, partly because of the sticker price and their high desirability, and partly because as powerful vehicles they can really do some damage. 

Coming in at #5, the 8-cylinder CL63 comes with a sticker price of $153,000 and an average annual insurance premium of $3,184. Then again, at 451 horsepower, driving the most powerful Mercedes-Benz C-class sedan offers comfort, power, and style. 

Mercedes-Benz and AMG kept the roadster alive in the new SL65. It comes in at #4. Added to the previous SL65’s SOHC 36-valve, 6.0-liter V-12, the new version comes with improved airflow, new tubochargers, and an extra 17 HP, 621 horsepower total. Mercedes only promises zero-to-60 in 3.9 seconds, but the last version delivered 3.8 seconds at lower horsepower and greater weight, so clocking 3.5-3.6 seconds seems realistic. At $212,000 MSRP, the average annual insurance premium adds another $3,207. 

The streak of Benz/AMG vehicles continues with the S65 AMG. At $212,000 sticker price of the third most expensive car to insure isn’t a step up from #4, but as a luxury sedan, the weight does. At 621 horsepower, the S65 is the most powerful production sedan ever built by Mercedes-Benz. True, the mileage rating 11-city 17-highway might not impress, but the sheer power makes up for that. The average annual insurance premium runs about $3,221. 

In at #2, the Mercedes-Benz CL65 AMG will set you back an average of $3,330 per year to insure. It’s just a touch pricier than #3 at $213,200, too. Like the SL65, the twin turbocharged V12 engine of the CL65 delivers an extra 17 horsepower, kicking it up to 621 from 604 in the last model. The CL65 has been described as ‘insanely fast,’ so no one can blame you for thinking it’s just too much car for you. 

At an average annual insurance premium of $3,357, the Mercedes-Benz CL600 tops the list of most expensive cars to insure in 2013. It’s tough to explain the higher premium for a sticker price that tops out a bit lower than the CL65 at $213,000, but as the flagship vehicle in the Mercedes-Benz line, insurers likely view the CL600 as theft-prone. As the most sophisticated passenger car on American roads today, this super-coupe is certainly worth stealing. From the sleek design to the fully electronic, 4-corner control, the CL600 offers a truly desirable package. 

Of course, the high insurance premiums on these top-of-the-line vehicles all reflect a higher theft profile. Your premiums may be higher or lower depending on your driving record, insurance history, gender, location, occupation, marital status, and so forth. All of these affect insurance rates. But… and this matters more, the price of insurance doesn’t capture its expense. The most expensive vehicle to insure is one you didn’t want. At the end of the day, that’s what matters.

Mike Jimenez has worked as an auto insurance agent for the past 8 years. He recommends Acceptance Insurance to his friends and family for their car insurance needs.