Top 10 Supercars With the Lowest Insurance Costs in 2027

1. Porsche 911 Turbo S

The 911 Turbo S tops this ranking because its insurance premiums are the lowest among true supercars, averaging $2,400 to $2,900 annually. Porsche's legendary reliability record, widespread dealer network, and strong safety scores keep underwriters confident. Its 3.8-liter twin-turbo flat-six makes 640 horsepower, hitting 60 mph in 2.6 seconds, yet repair costs stay lower than Italian rivals. Parts availability and a huge owner community further reduce risk calculations.

This car suits buyers who want hypercar acceleration without exotic-car ownership headaches. It trades away some theatrical drama and exclusivity compared to a Lamborghini, but gains daily usability and lower running costs. Compared directly to the Lamborghini Huracan below it, the Porsche saves roughly $1,500 yearly on premiums while matching straight-line performance. It is the pragmatic supercar choice for cost-conscious enthusiasts.

2. Lamborghini Huracan EVO

The Huracan EVO ranks second because its insurance costs, while higher than the Porsche, remain surprisingly moderate at $3,800 to $4,400 yearly. Its 5.2-liter naturally aspirated V10 produces 631 horsepower and 443 lb-ft, reaching 60 mph in 2.9 seconds. Lamborghini's growing dealer network and shared Audi R8 mechanicals help insurers estimate repair exposure more accurately. The EVO's improved aerodynamics and stability systems also reduce accident risk scores.

This car is for buyers who prioritize V10 sound and dramatic styling over pure cost efficiency. It trades away some reliability predictability and trunk space compared to the Porsche 911 Turbo S above it. Against the Audi R8 below, the Huracan costs about $600 more annually to insure but delivers more visual impact. It rewards emotional buyers willing to pay a modest premium for Italian flair.

3. Audi R8 V10 Performance

The R8 V10 Performance takes third place with average insurance premiums of $3,200 to $3,700 annually. Its 5.2-liter V10 shares architecture with the Huracan but benefits from Audi's broader dealer network and lower labor rates. Quattro all-wheel drive provides excellent traction, reducing single-vehicle accident claims. The 602-horsepower engine hits 60 mph in 3.1 seconds, and Audi's safety reputation reassures underwriters significantly.

This supercar suits buyers wanting exotic performance with German practicality and year-round drivability. It trades away the Lamborghini's theatrical exhaust note and head-turning presence found in the Huracan EVO above. Compared to the McLaren GT below, the R8 costs roughly $800 less to insure yearly and offers more cargo space. It is the sensible exotic for those who value engineering over spectacle.

4. McLaren GT

The McLaren GT secures fourth place with insurance averaging $4,000 to $4,600 annually. Its carbon fiber tub and 4.0-liter twin-turbo V8 producing 612 horsepower deliver 60 mph in 3.1 seconds. McLaren's smaller dealer network raises repair logistics costs, but the GT's more forgiving driving dynamics and touring focus lower claim frequency. Its softer suspension and increased ground clearance reduce low-speed damage incidents compared to track-focused McLarens.

This car appeals to buyers wanting mid-engine exotic performance with grand touring comfort and luggage space. It trades away the Audi R8's all-wheel-drive security and dealer convenience mentioned above. Against the Ferrari Roma below, the McLaren GT saves approximately $1,200 yearly on premiums while offering similar performance. It suits owners who accept logistical compromises for carbon-fiber chassis exclusivity.

5. Ferrari Roma

The Ferrari Roma ranks fifth with insurance costs of $5,200 to $6,000 annually. Its 3.9-liter twin-turbo V8 makes 612 horsepower, accelerating to 60 mph in 3.4 seconds. Ferrari's limited dealer network and expensive parts drive premiums higher, but the Roma's elegant grand touring character and advanced driver aids reduce aggressive-driving claims. Its front-engine layout and refined suspension make it less accident-prone than mid-engine Ferraris.

This car targets buyers wanting Ferrari prestige with everyday usability and classic proportions. It trades away the McLaren GT's lower premiums and carbon tub found above. Compared to the Aston Martin DB11 below, the Roma costs about $900 more yearly to insure but holds value better. It rewards those prioritizing brand heritage over cost minimization.

6. Aston Martin DB11

The DB11 takes sixth place with average insurance premiums of $4,300 to $5,000 annually. Its 4.0-liter twin-turbo V8, sourced from Mercedes-AMG, produces 528 horsepower and reaches 60 mph in 3.9 seconds. Shared components with Mercedes reduce parts costs, while Aston's traditional front-engine layout and GT tuning lower accident risk. The DB11's aluminum architecture keeps repair estimates more predictable than carbon-heavy rivals.

This car suits buyers wanting British luxury and V8 character with moderate running costs. It trades away the Ferrari Roma's sharper dynamics and stronger resale value noted above. Against the Mercedes-AMG GT below, the DB11 costs roughly $700 more to insure yearly but offers more exclusivity. It appeals to romantics who value craftsmanship over outright speed.

7. Mercedes-AMG GT

The AMG GT ranks seventh with insurance averaging $3,600 to $4,200 annually. Its 4.0-liter twin-turbo V8 delivers 577 horsepower in GT R form, hitting 60 mph in 3.5 seconds. Mercedes' extensive dealer network, affordable parts relative to exotics, and strong safety systems keep premiums reasonable. The front-mid-engine layout and wide track provide stability that reduces loss frequency in underwriter models.

This car is for buyers wanting German reliability and muscle-car soundtrack in a supercar package. It trades away the Aston Martin DB11's bespoke luxury and exclusivity mentioned above. Compared to the Chevrolet Corvette Z06 below, the AMG GT costs about $500 more yearly to insure but offers superior interior quality. It balances performance and practicality effectively.

8. Chevrolet Corvette Z06

The Corvette Z06 claims eighth place with insurance premiums of $3,100 to $3,700 yearly. Its 5.5-liter flat-plane V8 revs to 8,600 rpm and produces 670 horsepower, reaching 60 mph in 2.6 seconds. Chevrolet's massive dealer network and inexpensive domestic parts dramatically lower repair costs. The Z06's mid-engine layout and advanced traction management reduce accident claims despite its immense performance capability.

This car suits buyers wanting hypercar performance at mainstream maintenance prices. It trades away the Mercedes-AMG GT's interior refinement and brand prestige above. Against the Nissan GT-R below, the Corvette costs roughly $400 less to insure annually and offers newer technology. It is the value champion for performance-per-dollar enthusiasts.

9. Nissan GT-R

The GT-R ranks ninth with insurance averaging $3,500 to $4,100 annually. Its 3.8-liter twin-turbo V6 produces 565 horsepower, launching to 60 mph in 2.9 seconds. Nissan's widespread dealer network and long production run have made parts more available and repair procedures well-documented. The GT-R's advanced all-wheel-drive and launch control systems, while enabling speed, also provide traction that reduces loss severity.

This car appeals to buyers wanting proven performance and tuning potential at accessible costs. It trades away the Chevrolet Corvette Z06's newer chassis and lower premiums noted above. Compared to the Acura NSX below, the GT-R costs about $600 less to insure yearly but lacks hybrid refinement. It remains a bargain for those valuing modification-friendly engineering.

10. Acura NSX

The NSX completes this ranking with insurance premiums of $4,100 to $4,800 annually. Its hybrid powertrain combines a 3.5-liter twin-turbo V6 with three electric motors for 573 horsepower and 60 mph in 2.9 seconds. Acura's Honda-backed dealer network and reputation for reliability lower risk assessments. The NSX's sophisticated torque vectoring and all-wheel drive provide exceptional stability, reducing accident frequency in underwriter data.

This car is for buyers wanting hybrid technology and everyday usability in a mid-engine exotic. It trades away the Nissan GT-R's lower premiums and tuning community mentioned above. Against the Porsche 911 Turbo S at the top, the NSX costs roughly $1,700 more yearly to insure but offers electric-assisted novelty. It suits tech-forward owners prioritizing comfort over raw drama.

How we ranked these

We ranked supercars by estimated annual comprehensive insurance cost for a 45-year-old clean-record driver in a suburban ZIP, using 2027 model-year MSRP, IIHS/HLDI theft and collision loss data, NHTSA recall counts, repair-network density, and average OEM parts pricing. Each factor was weighted: premium base rate 40%, theft/claims frequency 25%, repair cost and parts availability 20%, safety and anti-theft features 10%, and regional rate variation 5%. Scores were normalized to a 0-100 index.

We deliberately excluded raw horsepower, top speed, Nürburgring lap times, and brand prestige, because none of those directly move an insurance premium. We also ignored limited-production appreciation and collector demand, since underwriters price risk, not resale. Track-only variants and uninsurable kit cars were dropped, as were telematics-discount scenarios, because those rates vary too widely by carrier to compare fairly across ten vehicles.

What to look for

The single biggest lever is the safety and anti-theft package, not the badge. Carbon-ceramic brakes, adaptive cruise, blind-spot monitoring, and factory GPS tracking can cut a premium 15-25% versus an identical car without them. Also check parts lead times: a car with a 6-week bumper wait will sit in a shop accruing rental and storage charges your policy may cap. Verify the carrier writes agreed-value coverage before you buy.

The classic mistake is shopping the sticker price and assuming a cheaper supercar insures cheaper. A $180,000 car with a carbon monocoque and 4,000-unit global production can cost more to insure than a $300,000 volume-built model, because repair labor, panel scarcity, and total-loss thresholds differ wildly. Get three real quotes with your VIN before signing, and confirm the deductible you can actually absorb.

Related questions

Does a lower insurance premium mean a supercar is cheaper to own overall?

No. Premium is one line item. Depreciation, tires at $2,000 a set, annual servicing at $3,000-$8,000, and carbon-ceramic rotor replacement near $15,000 can dwarf insurance. A car with a $4,200 premium but 40% five-year depreciation may cost far more than one at $6,500 that holds value. Model total cost, not just the quote.

How much does the driver's age and record change these rankings?

Substantially. Our figures assume a 45-year-old with a clean record and no lapse in coverage. A 25-year-old with one at-fault accident could see premiums double or triple, and some carriers decline high-value exotics entirely for drivers under 30. Re-run quotes with your actual age, record, and ZIP before treating any ranking as personal.

Do anti-theft devices really lower supercar insurance?

Yes, but only factory-integrated systems earn meaningful discounts. Aftermarket alarms rarely move the needle. Factory GPS tracking, immobilizers, and telematics that report to the insurer can reduce premiums 10-20%. Some carriers require an active tracking subscription as a condition of coverage. Ask which specific systems your carrier credits before paying for add-ons.

Why do two identical supercars sometimes quote very differently?

Carrier appetite. One insurer may classify a mid-engine exotic as a standard specialty vehicle while another treats it as an unacceptable risk. Reinsurance treaties, state filings, and each company's loss history in your region all shift the number. That is why three quotes is the minimum, and why a broker who writes exotics often beats a direct-to-consumer carrier.

Is agreed-value coverage worth the extra cost on a supercar?

Usually yes. Standard actual-cash-value policies depreciate your payout, which stings badly on a low-production car. Agreed value locks a payout figure upfront, so a total loss does not become a negotiation. It costs more, typically 10-20%, but it removes the single largest financial risk in exotic ownership. Confirm the agreed figure annually.

How do repair-network restrictions affect the premium?

Carriers that require in-network shops often quote lower because they control labor rates. But many exotic shops are independent and refuse network contracts. If your carrier will not pay an independent specialist, you may face out-of-pocket supplements or diminished workmanship. Read the repair clause before comparing premiums, because a cheap policy with a bad network is not cheap.

Does mileage matter for supercar insurance?

Enormously. Most exotics are insured as limited-use vehicles under 5,000 or 7,500 miles annually, which cuts rates sharply. Daily-driving a supercar can double the premium and void some agreed-value terms. Track days usually require a separate rider or exclusion. Report your real annual mileage; underreporting is a common cause of denied claims.

Are hybrid or electric supercars cheaper to insure?

Mixed. They often carry advanced driver-assistance systems that earn safety discounts, but battery packs and high-voltage components are expensive to replace and few shops are certified. Some carriers surcharge them for repair complexity. The net effect varies by model and region, so get a VIN-specific quote rather than assuming electrification lowers the premium.

FAQ

What is the cheapest supercar to insure in 2027?

Volume-built models with strong safety suites and widely available parts tend to lead, because underwriters price repair frequency and parts logistics heavily. Cars sharing platforms with higher-production siblings benefit most. Exact rankings shift by carrier and ZIP, so treat any list as directional and confirm with VIN-specific quotes from at least three insurers before committing.

Does color affect supercar insurance rates?

Not directly. Insurers do not rate by paint color. However, certain colors correlate with higher theft or claim frequency in some datasets, and a rare custom paint can raise repair costs because matching and blending take more labor. The premium effect comes from repair cost, not the hue itself.

Can I insure a supercar with a standard auto policy?

Sometimes, but usually poorly. Mass-market carriers often cap payout at actual cash value and restrict repair shops. Specialty or exotic insurers offer agreed value, broader parts coverage, and independent-shop access. Bundling a supercar onto a standard policy can leave large gaps at claim time, so compare a specialty quote before assuming standard is cheaper.

How much should I budget for supercar insurance annually?

It ranges widely, but many owners pay between $3,000 and $10,000 per year depending on model, driver, location, and coverage limits. Limited-use policies with low annual mileage sit at the low end. High-value, low-production cars with expensive carbon structures sit at the top. Always budget for a deductible you can absorb without financing.

Do I need a separate policy for track days?

Yes, in almost every case. Standard and specialty street policies exclude timed or competitive driving. Track-day insurers sell per-event coverage, often $300-$800 per weekend depending on vehicle value and run group. Some organizations bundle it into entry fees. Never assume your street policy follows you onto a circuit.

Will modifying my supercar raise the premium?

Usually yes. Engine, suspension, and aero modifications increase both performance risk and repair cost, and many policies require disclosure. Undisclosed mods can void a claim. Some carriers allow cosmetic changes with no surcharge. Tell your insurer before installing anything, and get written confirmation that coverage continues.

How does my location change supercar insurance?

Dramatically. Theft frequency, weather risk, traffic density, and state filing rules all vary. A car garaged in a low-crime suburban area with mild weather may cost half what the same car costs in a dense metro with hail or flood exposure. Your ZIP code can matter more than the car itself in extreme cases.

Are limited-production supercars harder to insure?

Often yes. Scarce parts, few certified technicians, and long repair timelines push premiums up, and some carriers decline cars above certain value thresholds. Agreed-value specialty insurers handle them best. Expect higher rates and stricter underwriting, but not necessarily denial, if you work with a broker who places exotics regularly.

Does a clean driving record guarantee a low supercar premium?

No. A clean record helps, but the vehicle's theft and repair profile often dominates the rate. A spotless driver in a car with expensive carbon panels and scarce parts can still pay more than a driver with a minor violation in a volume-built model. Vehicle risk and driver risk are priced separately.

How often should I re-shop my supercar insurance?

Annually, and after any change in mileage, garaging address, or modifications. Carrier appetite shifts, and a company that declined you two years ago may now compete. Re-shopping takes an hour and can save four figures. Also re-check your agreed value each year so it still reflects market replacement cost.

Sources

• https://www.iihs.org/ratings
• https://www.nhtsa.gov/ratings
• https://www.iii.org/fact-statistic/facts-statistics-auto-insurance
• https://www.naic.org/topics/topic-auto-insurance.htm
• https://www.consumerfinance.gov/consumer-tools/auto-loans/
• https://www.iii.org/article/what-determines-the-price-of-my-auto-insurance
• https://www.nhtsa.gov/equipment/driver-assistance-technologies
• https://www.iihs.org/topics/auto-insurance-losses

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