The cheapest sports cars to insure right now are the Mazda MX-5 Miata, the Volkswagen Golf R and the Subaru BRZ, with quotes starting from $177 a month, based on real quotes Jerry drivers received between August 2025 and July 2026.
European luxury and performance brands dominate the priciest end of the ranking. Of the 10 most expensive sports cars to insure, nine are made by BMW, Porsche or Mercedes-Benz. Not every European model runs expensive, though. The Porsche 911, for example, sits near the middle of the ranking, at about $445 a month.
Most Japanese models are among the cheaper to insure, like the Mazda MX-5, the Subaru BRZ and the Toyota GR86. The high-performance Nissan GT-R is a clear exception, ranking among the most expensive to insure here, with the Toyota Supra in the upper-middle.
American sports cars run lower-to-middle, with the Ford Mustang and Chevrolet Camaro toward the cheaper end and the Dodge Challenger and Chevrolet Corvette closer to the center.
Jerry pulls up to 20 quotes from top rated carriers.
Cheapest sports cars to insure
The Mazda MX-5 Miata is the cheapest to insure, followed by the Volkswagen Golf R and the Subaru BRZ, then the Subaru WRX, Honda Civic Type R and Nissan 370Z.
The cheapest models to insure include performance hatchbacks and sport sedans alongside classic two-seaters. The Chevrolet Corvette and the Porsche 911 show the widest gaps on this list between the lowest quote Jerry has found and the average monthly quote. The lowest Corvette quote, $255 a month, is less than half its $560 average, and the 911 splits the same way, $196 against $445.
A few driver choices explain why some owners land near that low end. Choosing an older model year that is worth less helps, since a car’s value is a major factor in what it costs to insure. So can parking in a secure garage instead of on the street. Low annual mileage can earn a discount from insurers that reward drivers who cover fewer than about 7,500 miles a year. Choosing a higher deductible lowers the cost too. Comparing quotes on Jerry is the quickest way to see how these choices change your price across insurers.
| Make | Model | Lowest quote we’ve found | Average monthly quote | Average annual quote |
|---|---|---|---|---|
| Mazda | MX-5 Miata | $177 | $271 | $3,258 |
| Volkswagen | Golf R | $171 | $289 | $3,473 |
| Subaru | BRZ | $183 | $301 | $3,607 |
| Subaru | WRX | $197 | $304 | $3,647 |
| Honda | Civic Type R | $189 | $324 | $3,889 |
| Nissan | 370Z | $252 | $364 | $4,363 |
| Ford | Mustang | $224 | $367 | $4,409 |
| Toyota | GR86 / 86 | $210 | $379 | $4,544 |
| Chevrolet | Camaro | $215 | $386 | $4,626 |
| Kia | Stinger | $246 | $387 | $4,649 |
| Dodge | Challenger | $250 | $402 | $4,827 |
| Audi | RS5 | $255 | $429 | $5,150 |
| Porsche | 911 | $196 | $445 | $5,334 |
| Audi | S5 | $264 | $495 | $5,942 |
| Chevrolet | Corvette | $255 | $560 | $6,715 |
| Jaguar | F-Type | $354 | $621 | $7,453 |
| Audi | TT | $259 | $637 | $7,639 |
| BMW | Z4 | $233 | $655 | $7,863 |
| Toyota | Supra | $306 | $664 | $7,965 |
| Porsche | Taycan | $312 | $691 | $8,294 |
| BMW | M3 | $351 | $773 | $9,278 |
| Porsche | 718 Cayman | $295 | $809 | $9,703 |
| BMW | M2 | $289 | $837 | $10,043 |
| Porsche | 718 Boxster | $356 | $846 | $10,155 |
| Porsche | Panamera | $265 | $856 | $10,275 |
| Mercedes-Benz | AMG GT | $303 | $944 | $11,329 |
| Nissan | GT-R | $309 | $1,084 | $13,003 |
| BMW | 8-Series | $417 | $1,154 | $13,843 |
| BMW | M4 | $382 | $1,523 | $18,271 |
Based on Jerry quotes from August 2025 to July 2026 for drivers aged 30 to 45 with a clean record and full coverage, on vehicles no more than 10 years old. “Lowest quote we’ve found” is the 25th-percentile monthly quote. Actual quotes vary by coverage, location and driver.
Key takeaway: The Mazda MX-5 Miata is the cheapest sports car to insure, with quotes starting from $177. Higher-priced performance models like the BMW M4 are the most expensive to insure.
Cheapest sports cars to insure for young drivers (18 to 25)
Young drivers pay more for sports car insurance than older drivers do. Drivers aged 18 to 25 average about 52% more than drivers aged 30 to 45, roughly $637 a month against $420. Jerry’s data shows the Subaru WRX and the Mazda MX-5 Miata are still among the most affordable to insure on a younger driver’s budget.
Here is how popular sports cars compare for drivers aged 18 to 25.
| Make | Model | Lowest quote we’ve found | Average monthly quote | Average annual quote |
|---|---|---|---|---|
| Subaru | WRX | $269 | $466 | $5,591 |
| Mazda | MX-5 Miata | $262 | $484 | $5,803 |
| Subaru | BRZ | $313 | $560 | $6,721 |
| Ford | Mustang | $337 | $573 | $6,878 |
| Audi | TT | $349 | $582 | $6,984 |
| Kia | Stinger | $343 | $589 | $7,069 |
| Honda | Civic Type R | $335 | $595 | $7,139 |
| Dodge | Challenger | $364 | $615 | $7,375 |
| Toyota | GR86 / 86 | $356 | $636 | $7,635 |
| Nissan | 370Z | $349 | $639 | $7,664 |
| Chevrolet | Camaro | $350 | $691 | $8,287 |
| Volkswagen | Golf R | $273 | $709 | $8,502 |
| Chevrolet | Corvette | $316 | $769 | $9,226 |
| Audi | RS5 | $409 | $802 | $9,620 |
| Audi | S5 | $460 | $865 | $10,379 |
| BMW | Z4 | $323 | $946 | $11,358 |
| Toyota | Supra | $455 | $1,055 | $12,656 |
| BMW | M3 | $486 | $1,143 | $13,713 |
| BMW | M4 | $480 | $1,317 | $15,804 |
| BMW | M2 | $342 | $1,327 | $15,919 |
| BMW | 8-Series | $445 | $1,380 | $16,554 |
| Porsche | Taycan | $610 | $1,613 | $19,357 |
| Porsche | Panamera | $354 | $1,783 | $21,395 |
Based on Jerry quotes from August 2025 to July 2026 for drivers aged 18 to 25 with a clean record and full coverage, on vehicles no more than 10 years old. “Lowest quote we’ve found” is the 25th-percentile monthly quote. Some models with too little quote data for this age group are not shown. Actual quotes vary by coverage, location and driver.
Key takeaway: Young drivers pay more for the same sports car, so comparing quotes matters most in this age group. Lower-cost models like the Subaru WRX and Mazda MX-5 Miata help, but the insurer you choose usually makes a bigger difference to your quote.
Cheapest insurance companies for sports cars
Mercury is the cheapest widely quoted insurer in Jerry’s data, averaging $247 a month for full coverage on a sports car.
| Company | Lowest quote we’ve found | Average monthly quote | Average annual quote |
|---|---|---|---|
| Mercury | $171 | $247 | $2,961 |
| ROOT | $183 | $270 | $3,245 |
| Progressive | $181 | $314 | $3,772 |
| Bluefire | $218 | $321 | $3,853 |
| Liberty Mutual | $198 | $337 | $4,050 |
| Gainsco | $234 | $338 | $4,053 |
| Electric | $253 | $359 | $4,310 |
| National General | $233 | $379 | $4,546 |
| Trexis | $282 | $401 | $4,815 |
| AssuranceAmerica | $257 | $431 | $5,168 |
| CLEARCOVER | $256 | $432 | $5,187 |
| Sentry | $283 | $438 | $5,250 |
| Bristol West | $260 | $474 | $5,687 |
| Mendota | $329 | $487 | $5,842 |
| Alpine Rio | $320 | $503 | $6,037 |
| Kemper | $277 | $944 | $11,330 |
Insurer averages reflect full-coverage quotes from August 2025 to July 2026 from drivers aged 30 to 45 with a clean record, limited to insurers with at least 1,000 quotes in this profile so the ranking reflects broadly available pricing. “Lowest quote we’ve found” is the 25th-percentile monthly quote. Insurers Jerry doesn’t quote are excluded. Actual quotes vary by coverage, location and driver.
Key takeaway: Because insurers price the same car so differently, comparing quotes is the surest way to your lowest rate.
FAQ
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What counts as a sports car for insurance?
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How much is sports car insurance on average?
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What is the cheapest sports car to insure for drivers under 25?
Jerry pulls up to 20 quotes from top rated carriers.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
