Car Insurance Cost for a Sports Car Per Month in 2026

The national average for a Sports Car with full coverage is approximately $416 per month for a 35-year-old in 2026, per Insurify 2026 and MoneyGeek 2026 cross-referenced data. This represents approximately 1.55x the sedan baseline cost. The range across states is significant: a Sports Car in Vermont costs roughly $250/month and in Nevada $666/month. Age also matters: a 17-year-old driving the same vehicle pays roughly 3x what a 35-year-old pays.

Highest cost category. Driver-behaviour actuarial loss data, high repair cost, elevated theft rate (on hot models), high speed-class rating, and lower safety ratings on some older performance models. Top of the list: Nissan GT-R, Toyota Supra, Dodge Challenger Hellcat.

Among Sports Car models, Ford Mustang EcoBoost ($289/mo) is consistently among the cheapest to insure. Mazda MX-5 Miata ($261/mo) and Subaru BRZ ($255/mo) round out the low-cost tier. Factors that make a Sports Car cheap to insure: low theft rate on that specific model, high safety ratings from IIHS, widely available and inexpensive parts, and low claims frequency for that body style. Source: MoneyGeek 2026 by-model, Insure.com 2026.

Nissan GT-R ($482/mo) tops the most-expensive list in the Sports Car category. Toyota Supra ($463/mo) and Dodge Challenger Hellcat ($447/mo) are close behind. High-cost models share traits: elevated theft rates, expensive repair parts, high-performance or luxury positioning, and lower safety ratings on some trim levels. Source: Insure.com 2026 by-model.

Yes -- Sports Cars cost more than the sedan baseline. The national average for a Sports Car is $416/month vs $269/month for a sedan -- a 55% premium.