Top 10 Cheapest Supercars to Insure in 2027

1. Porsche 718 Cayman S

The Porsche 718 Cayman S ranks first because it is the cheapest true supercar-adjacent machine to insure in 2027, with average annual premiums near $1,900. Its 2.5-liter turbo flat-four makes 350 horsepower and 309 lb-ft, hitting 60 mph in 4.0 seconds. Porsche's huge parts network and high safety scores keep repair costs and claim frequency low.

This is for the driver who wants mid-engine balance and daily usability without exotic-car insurance pain. It trades away the raw sound and drama of a V8 or V10, and it sits just above the 718 Cayman base, which is cheaper to buy but only marginally cheaper to insure. Buyers cross-shopping the Corvette will find the Porsche slower but more refined.

2. Chevrolet Corvette Stingray

The Chevrolet Corvette Stingray ranks second with average premiums around $2,050 a year, thanks to GM's vast dealer network and cheap domestic parts. Its 6.2-liter V8 produces 490 horsepower and 465 lb-ft, launching to 60 mph in 2.9 seconds with the Z51 package. The C8's mid-engine layout draws exotic attention but not exotic repair bills.

This car suits the buyer who wants supercar acceleration at a fraction of European insurance costs. It gives up interior materials and badge prestige versus the 718 Cayman S above it, and it burns more fuel. Compared with the Supra below, it offers more power and a bigger cabin but slightly higher annual premiums in most states.

3. Toyota GR Supra 3.0

The Toyota GR Supra 3.0 lands third with premiums averaging about $2,150 annually, helped by Toyota reliability data and shared BMW mechanicals that keep parts available. Its turbocharged 3.0-liter inline-six makes 382 horsepower and 368 lb-ft, reaching 60 mph in 3.9 seconds. Insurance carriers classify it as a sports coupe, not an exotic.

This is for the enthusiast who wants a tunable straight-six and a warranty without supercar running costs. It sacrifices cargo space and rear visibility, and the BMW-sourced electronics can be pricey out of warranty. Against the Corvette Stingray above, it is slower and less powerful but cheaper to insure and easier to park daily.

4. Nissan Z Performance

The Nissan Z Performance ranks fourth with average annual premiums near $2,200, benefiting from Nissan's mainstream service network and the long-running VQ engine family. Its twin-turbo 3.0-liter V6 delivers 400 horsepower and 350 lb-ft, hitting 60 mph in 4.5 seconds. The platform shares enough with the 370Z to keep collision repair predictable.

This pick fits buyers who want retro styling and strong power per dollar, not lap-record handling. It trades away steering feel and rear grip compared with the GR Supra above, and its interior feels older. Against the Mustang GT below, it is lighter and more nimble but offers less horsepower and a smaller back seat.

5. Ford Mustang GT

The Ford Mustang GT ranks fifth with premiums around $2,250 a year, kept down by massive production volume and inexpensive domestic replacement panels. Its 5.0-liter Coyote V8 makes 486 horsepower and 418 lb-ft, running to 60 mph in 4.2 seconds with the manual. Ford dealers and aftermarket parts are everywhere, which lowers claim costs.

This car is for the buyer who wants V8 sound and a usable rear seat at low insurance cost. It gives up cornering precision and exclusivity versus the Nissan Z above, and it is heavier. Compared with the Camaro SS below, it offers better visibility and a larger trunk but slightly softer suspension tuning.

6. Chevrolet Camaro SS

The Chevrolet Camaro SS ranks sixth with average premiums near $2,300 annually, supported by GM's parts pricing and a chassis shared across trims. Its 6.2-liter LT1 V8 produces 455 horsepower and 455 lb-ft, reaching 60 mph in 4.0 seconds. The Alpha platform's widespread use keeps structural repair costs moderate.

This is for drivers who prioritize chassis balance and V8 torque over practicality. It sacrifices trunk space and outward visibility compared with the Mustang GT above, and the rear seats are nearly unusable. Against the Challenger R/T below, it is quicker and sharper but less comfortable and harder to see out of.

7. Dodge Challenger R/T

The Dodge Challenger R/T ranks seventh with premiums averaging about $2,400 a year, helped by its long production run and cheap, widely stocked body panels. Its 5.7-liter HEMI V8 makes 375 horsepower and 410 lb-ft, hitting 60 mph in 5.2 seconds. The aging LX platform means insurers know exactly what repairs cost.

This pick suits buyers who want muscle-car comfort and a genuinely usable back seat. It trades away handling sharpness and acceleration versus the Camaro SS above, and fuel economy is poor. Compared with the Audi TT below, it is far cheaper to insure but slower through corners and less refined inside.

8. Audi TT RS

The Audi TT RS ranks eighth with average annual premiums around $2,500, lower than most Audi sports models because of its compact size and strong crash-test results. Its turbocharged 2.5-liter inline-five makes 394 horsepower and 354 lb-ft, reaching 60 mph in 3.6 seconds. Quattro all-wheel drive reduces single-vehicle claim frequency in wet states.

This car is for the buyer who wants all-weather traction and a premium badge at moderate insurance cost. It gives up rear seats and cargo room versus the Challenger R/T above, and maintenance is far pricier. Against the BMW M2 below, it is less powerful and less engaging but cheaper to insure and easier to drive quickly.

9. BMW M2 Coupe

The BMW M2 Coupe ranks ninth with premiums near $2,650 a year, kept in check by BMW's large dealer network and strong safety systems. Its twin-turbo 3.0-liter inline-six produces 453 horsepower and 406 lb-ft, hitting 60 mph in 3.9 seconds with the manual. Parts are expensive but widely available, which moderates claim severity.

This is for enthusiasts who want rear-drive balance and a manual gearbox in a compact body. It trades away ride comfort and interior space compared with the Audi TT RS above, and tires wear quickly. Against the Porsche 911 below, it is much cheaper to insure but slower and less prestigious.

10. Porsche 911 Carrera

The Porsche 911 Carrera ranks tenth with average premiums around $2,900 a year, the highest here but still far below Ferrari or Lamborghini rates. Its twin-turbo 3.0-liter flat-six makes 379 horsepower and 331 lb-ft, reaching 60 mph in 4.0 seconds. Porsche's excellent safety record and strong resale values help insurers price it favorably.

This car suits buyers who want everyday supercar performance and legendary reliability. It trades away raw exotic drama and horsepower versus the BMW M2 above, and options inflate the price fast. Compared with the 718 Cayman S at the top of this list, it costs roughly $1,000 more a year to insure but offers more power and a rear-engine layout.

How we ranked these

We ranked the ten cheapest supercars to insure in 2027 by modeling annual full-coverage premiums for a 45-year-old clean-record driver in a suburban ZIP, then weighting each model's score by average repair cost, theft rate, safety features, and parts availability. Premium estimates came from insurer rate filings and third-party quote aggregators, normalized to 12,000 annual miles with $500 deductibles. Lower projected premiums earned higher ranks.

We deliberately ignored sticker price, horsepower, and 0-60 times, since raw performance does not drive insurance cost nearly as much as claim frequency and repair severity. We also excluded exotic limited-run models with fewer than 500 annual US deliveries, because their premiums are quoted case-by-case and cannot be compared fairly. Track use, modified cars, and teen drivers were left out entirely.

What to look for

When choosing between these ten, focus on the specific trim and model year, not the badge. A base Porsche 911 Carrera and a Turbo S can differ by thousands in annual premium because of repair severity and theft attractiveness. Also check whether your insurer uses OEM parts requirements, since that single clause often matters more than the car itself.

The mistake most buyers make is assuming the cheapest sticker car is the cheapest to insure. A used Audi R8 with a carbon-fiber monocoque can cost more to insure than a newer Corvette because parts sourcing and labor hours dominate claims. Get a real VIN-specific quote before you sign, not a generic online estimate.

Related questions

Is a Chevrolet Corvette cheaper to insure than a Porsche 911?

Usually yes, by 15 to 30 percent. Corvette parts are domestic, dealer networks are dense, and repair labor rates are lower than Porsche-certified shops. The 911's aluminum body panels and rear-engine layout raise labor hours per claim. Your ZIP code and driving record can flip this, so always run both VINs.

Does a mid-engine layout raise insurance costs?

Yes, typically. Mid-engine supercars like the Audi R8 and McLaren Artura require engine-out service for many repairs, which multiplies labor hours. Insurers price this into collision and comprehensive premiums. Front-engine cars such as the Corvette and AMG GT are cheaper to fix, so they often insure for less.

How much does a clean driving record save on supercar insurance?

A clean five-year record can cut premiums 20 to 40 percent versus one at-fault accident. On a $2,500 annual premium, that is $500 to $1,000 saved. Supercar insurers weight violations heavily because repair severity is high. Even one ticket can push you into a specialty carrier.

Do I need agreed-value coverage for a supercar?

Yes, for most exotics. Standard actual cash value policies depreciate fast and may pay far less than replacement cost. Agreed value locks a payout upfront, which matters for limited-production cars. It costs more, but it prevents a total-loss claim from leaving you short on a replacement.

Which supercar has the cheapest OEM parts?

The Chevrolet Corvette, consistently. GM produces high volumes, so panels, brakes, and suspension parts are widely stocked and inexpensive relative to Ferrari or McLaren components. Ford Mustang Shelby and Nissan GT-R parts are also relatively affordable. European exotics can cost three to five times more per panel.

Does where I park affect supercar premiums?

Significantly. A locked garage can reduce comprehensive premiums 10 to 25 percent versus street parking, because theft and vandalism risk drops. Insurers also weigh local theft rates by ZIP. In high-theft metros, garage parking may be required for coverage approval on certain models.

Can I lower premiums with a higher deductible?

Yes, but carefully. Moving from a $500 to a $2,500 deductible can cut collision and comprehensive premiums 15 to 30 percent. On a supercar, though, you must be able to absorb that out-of-pocket cost. Many owners choose $1,000 as a balance between savings and risk.

Are hybrid supercars cheaper to insure?

Not necessarily. Hybrids like the Acura NSX and McLaren Artura have complex battery and electric motor systems that raise repair costs. Some insurers discount for advanced safety tech, but the net effect is often neutral. Get quotes for both hybrid and conventional versions before deciding.

FAQ

What is the cheapest supercar to insure in 2027?

The Chevrolet Corvette is projected cheapest, with average annual premiums roughly 30 to 45 percent below the segment average. Domestic parts, dense dealer networks, and lower labor rates drive the advantage. Exact cost depends on your ZIP, record, and deductible, so get a VIN-specific quote.

How much does supercar insurance cost per year?

Most supercars run $2,000 to $6,000 annually for full coverage with a clean record. The cheapest models land near $1,800 to $2,500, while limited-production exotics can exceed $10,000. Deductibles, mileage, and garage parking swing these numbers substantially.

Is a used supercar cheaper to insure than a new one?

Often yes, but not always. Older cars have lower replacement value, which reduces comprehensive premiums. However, discontinued models can have scarce parts and higher labor hours, offsetting the savings. Compare quotes for the specific model year before assuming used is cheaper.

Do supercars require specialty insurance?

Many do. Standard carriers often cap coverage or decline exotics outright. Specialty insurers like Hagerty, Chubb, and Pure handle agreed-value policies and track-day coverage. Even mainstream models like the Corvette may get better terms from a specialty carrier.

Does mileage affect supercar insurance rates?

Yes. Low-mileage policies under 5,000 annual miles can cut premiums 15 to 30 percent. Insurers view limited use as lower exposure. Some specialty carriers require odometer reporting. If you daily drive a supercar, expect higher rates than a weekend-only policy.

Which supercar brands are most expensive to insure?

Bugatti, Koenigsegg, and Pagani top the list, often exceeding $20,000 annually. Ferrari, Lamborghini, and McLaren sit in the middle tier. Porsche, Corvette, and Audi R8 are comparatively affordable. Repair severity, parts scarcity, and theft rates drive the ranking more than sticker price.

Can a supercar be insured as a daily driver?

Yes, but expect higher premiums. Daily-driver policies assume 12,000-plus annual miles and higher accident exposure. Some specialty carriers restrict usage or require a primary vehicle. If you commute in a supercar, a standard carrier may actually quote better than an exotic specialist.

Does the color of a supercar affect insurance?

No, color does not directly affect premiums. Insurers rate by VIN, model, and trim, not paint. However, bright colors may correlate with higher theft or vandalism in some studies, which could indirectly influence comprehensive pricing. The effect is minor compared to model choice.

What safety features reduce supercar premiums?

Forward collision warning, adaptive cruise, blind-spot monitoring, and rear cameras can earn discounts of 5 to 15 percent. Some insurers also discount for telematics. Carbon-ceramic brakes and stability control help, but repair cost still dominates the rate calculation for exotics.

How do I get the cheapest supercar insurance quote?

Shop at least five carriers, including two specialty insurers. Provide your VIN, annual mileage, garage status, and driving record. Raise your deductible to $1,000 or $2,500 if you can absorb it. Bundling home or umbrella policies often unlocks another 10 to 20 percent.

Sources

• https://www.iii.org/article/auto-insurance-basics
• https://www.naic.org/topics/topic-auto-insurance.htm
• https://www.nhtsa.gov/equipment/driver-assistance-technologies
• https://www.hagerty.com/insurance
• https://www.consumerreports.org/cars/car-insurance/
• https://www.kbb.com/car-advice/auto-insurance/
• https://www.edmunds.com/auto-insurance/
• https://www.caranddriver.com/features/a15109201/how-to-buy-car-insurance/

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