Home Car insurance Car insurance rates Cheapest high-performance cars to insure Cheapest high-performance cars to insure The Mazda MX-5 Miata is the cheapest high-performance car to insure at $2,438 a year, and the right insurer can drop that to around $1,500 — far less than the $3,400-plus you'd pay for a Corvette or Mustang. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 2, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The cheapest high-performance car to insure is the Mazda MX-5 Miata, at $2,438 a year on average, followed by the Mini Cooper JCW at $2,684. Others cost more — the Ford Mustang and Chevrolet Corvette both average over $3,400 — but a high-performance car doesn’t have to come with a high insurance bill. With the right insurer, a Miata can run as little as $1,505 a year. Who you buy from matters as much as what you drive, since rates for the same car can vary by thousands of dollars between companies. Comparing a few quotes before you buy is one of the easiest ways to land a lower rate. How to keep performance-car insurance affordable The car you pick and the insurer you choose both move your rate—here’s where to focus: Compare at least three quotes. The same car can cost thousands more at one insurer than another. A Miata runs $1,505 at Travelers but well over $2,000 elsewhere. Choose a lower-risk model. Within the performance category, a Miata or Mini Cooper JCW costs far less to insure than a Corvette or Mustang. Raise your deductible. A higher deductible lowers your premium, as long as you can cover it out of pocket after a claim. Bundle your policies. Pairing auto with home or renters insurance often lowers the rate on both. Which high-performance cars are the cheapest to insure? Cars like the Mazda MX-5 Miata and Mini Cooper JCW are some of the cheapest high-performance cars to insure, with average annual premiums under $2,700. On the other end, cars like the Ford Mustang and Chevrolet Corvette tend to cost more, with premiums of more than $3,400 a year. Performance comes at a price, and not just at the dealership. High-performance cars typically cost more to insure because they carry more risk and value than the average vehicle. The more powerful the engine and the pricier the car, the more you’ll likely pay for coverage. Here’s how average annual premiums compare across some of the most popular high-performance cars: Make and modelAverage annual premiumMazda MX-5 Miata$2,438Mini Cooper JCW$2,684Honda Civic Si$3,127Volkswagen Golf R$3,184Subaru BRZ$3,276Subaru WRX$3,303BMW Z4$3,317Toyota GR Corolla$3,346Chevrolet Corvette$3,437Ford Mustang$3,461 Powered by: Which company offers the cheapest rates for high-performance cars? Travelers offers some of the cheapest rates for high-performance cars, beating out major insurers like Allstate, Farmers, and Progressive across most models. State Farm and GEICO also rank among the more affordable options, depending on the car. Rates can differ considerably between insurers for the exact same vehicle, so it pays to compare quotes rather than sticking with one company. Here’s how the cheapest insurers compare across popular high-performance models: Make and modelInsurance companyAverage annual premiumMazda MX-5 MiataTravelers$1,505Mini Cooper JCWTravelers$1,665Honda Civic SiTravelers$2,809Subaru BRZTravelers$2,343Subaru WRXState Farm$2,466BMW Z4Travelers$1,796Toyota GR CorollaState Farm$2,523Chevrolet CorvetteTravelers$1,722Ford MustangGEICO$2,853 Powered by: Cheapest rates for military members through USAA Military members, veterans, and their families can often beat those rates through USAA, which offers the cheapest premium for several high-performance models. Eligibility is limited to the military community, so these rates aren’t available to everyone. Make and modelAverage annual premiumHonda Civic Si$1,745Subaru BRZ$1,886Subaru WRX$1,969Toyota GR Corolla$2,177Ford Mustang$2,383 Powered by: Key Takeaways The Mazda MX-5 Miata and Mini Cooper JCW are the cheapest high-performance cars to insure on average, at $2,438 and $2,684 a year The Chevrolet Corvette and Ford Mustang rank among the most expensive, both averaging over $3,400 a year at $3,437 and $3,461 Travelers offers the cheapest rates for most high-performance models, while USAA beats it for a few, but only military members and their families qualify You can lower your rate by bundling policies, raising your deductible, using telematics, or choosing a lower-risk model Why do high-performance cars cost more to insure? High-performance cars cost more to insure mainly because of their horsepower, repair costs, and value. Insurers also weigh theft rates, safety features, and the standard driver behind the wheel when setting your rate. Here’s a closer look at what drives the cost up: Horsepower: More powerful engines mean higher speeds and a greater chance of a serious accident, so insurers price that risk into your premium. Repair costs: High-performance cars often use specialized parts and require trained technicians, making repairs pricier than on a standard vehicle. Vehicle value: A more expensive car costs more to replace if it’s totaled, so insurers charge more to cover that risk. Theft rates: Sports cars and high-performance models are frequently targeted by thieves, which can push insurance costs higher. Safety features: Some performance cars come loaded with advanced safety tech that can help lower rates, while others trade safety features for speed and handling. Driver profile: Insurers also factor in what kind of driver drives these cars. Younger or less experienced drivers tend to file more claims, which can raise rates across the board. 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Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How can you lower insurance costs for a high-performance car? You can lower your insurance costs by bundling policies, raising your deductible, using telematics, and maintaining a clean driving record. Choosing a lower-risk model within the performance category can also make a real difference in what you pay. A few ways to bring your rate down: Ask about discounts: Many insurers offer discounts for things like good grades, low mileage, or paying your premium in full. Bundle your policies: Combining auto insurance with home or renters insurance often gets you a lower rate on both. Raise your deductible: Choosing a higher deductible usually lowers your monthly premium, as long as you can cover that cost out of pocket if needed. Use telematics: Programs that track your driving habits can reward safe drivers with lower rates over time. Drive safely: A clean driving record with no accidents or violations keeps your rate lower long-term. Frequently asked questions Are sports cars more expensive to insure? Yes, in most cases. Sports cars generally cost more to insure than standard vehicles because of their higher horsepower, increased theft risk, and higher repair costs. Are muscle cars more expensive to insure than sports cars? It depends on the models being compared. Muscle cars are American-made performance cars, like the Ford Mustang, built for powerful engines and straight-line speed rather than the sharp handling sports cars are designed for. Since both types carry similar risks — high horsepower, frequent theft, costly repairs — insurers often price them similarly. Does the model you choose really change your rate that much? Yes. Within the high-performance category alone, the difference between the cheapest and priciest model is about $1,000 a year on average — a Mazda MX-5 Miata averages $2,438 while a Ford Mustang runs $3,461. Horsepower, repair costs, theft rates, and the car’s value all feed into that gap, so picking a lower-risk model is one of the biggest levers you control. Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Which high-performance cars are the cheapest to insure?Which company offers the cheapest rates for high-performance cars?Why do high-performance cars cost more to insure?How can you lower insurance costs for a high-performance car?Frequently asked questions ZIP Code Please enter valid ZIP See rates 1-833-708-5453