Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 8, 2020

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Here's what you need to know...

  • There are many different types of luxury cars
  • It costs more to insure a luxury car
  • Bundling your insurance needs can save you a lot of money

There are so many options for finding car insurance quotes for a luxury vehicle. The Internet has created so many new opportunities for drivers and insurers alike.

To find the best deals, you need to know what to look for.

Look no further than our FREE search box at the top of this page to start your car insurance quote search. Enter your zip code to get started!

What Makes a Luxury Vehicle


There are likely many different definitions of a luxury vehicle, with proponents of one definition leaving out makes and models that proponents of a different definition believe should be included.

While exact definitions will vary, most agree that a luxury auto is one that costs at least $40,000 to $50,000 or more. That leaves a lot of wiggle room for many Lincolns, Mercedes, Cadillacs, and Corvettes.

Luxury vehicles also include the best seating, styling, trim, and technology.

Generally, luxury vehicles also have big engines and a host of advanced technology features that make for better handling and performance. In addition, you will also find advanced safety features and luxury amenities.

Luxury vehicles cost a lot to insure for many reasons. They are involved in more major accidents, and they are often targeted by thieves.

According to the Highway Loss Data Institute, the per vehicle costs from theft for luxury cars and luxury SUVs are double or more those of their non-luxury counterparts.

However, shopping around for quotes from different companies is one of the most likely ways to counteract those higher costs for insurance coverage.

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Specialty Car Insurance Companies

First, you should check with specialty car insurance providers. These companies are well-versed in providing coverage for vehicles that are outside the norm.

Generally, insurers who specialize in vehicles worth a lot of money might have a few more restrictions than regular providers.

You may be required to keep your vehicle under lock and key in a covered garage.

You may also have restrictions on how much you can drive the vehicle, and it is likely you will need to get an appraisal to set the worth of your car.

There are many specialty companies that have been around for quite some time, and they focus on expert service.

If you want insurance from a company that really understands your attraction for cars, then look to a specialty insurance company.

Major Insurance Providers


You may not want all of the restrictions of a specialty company. Perhaps you drive your luxury car every day as your main mode of transportation.

Most specialty companies consider vehicles like yours to be for pleasure driving only, though it is not a hard-and-fast rule.

If you can’t find the coverage you are looking for with a specialty provider, then try the major insurance providers.

The biggest insurers have also been around the block a few times, and they have many different insurance divisions in order to meet customers’ needs.

The major providers offer coverage in just about every state in the U.S., as well as some of the territories.

In addition, you may be able to bundle your home insurance, life insurance, or even health insurance with the major providers.

If you have a clean driving record and decent credit, then you will likely find a great rate with one of the major providers as well.

You also can be relatively certain that a major insurance company won’t be facing bankruptcy in the near future; they have the business chops to avoid being in the red.

Compare Car Insurance Companies

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Other Providers

Major providers are not the only source for insurance coverage, though TV commercials may make it seem like there are only a handful of providers available.

There are regional companies that are much smaller, though they may make up for their size with excellent customer service.

You may also find a provider that is completely online, having no dedicated offices that you can visit to do business.

While any kind of provider may be the right one for you, you need to check out a few points before you buy from a provider that is relatively unknown.

Unfortunately, fraud in the insurance world is all too common, and it is perpetrated by scam artists posing as insurance agents or representatives, according to the Coalition Against Insurance Fraud.

Entire companies are even faked online in an effort to get your money.

To protect yourself and your beautiful car, you need to check out any insurance companies or agents that you are not 100 percent certain are legitimate.

Look up the company using the National Association of Insurance Commissioner’s Consumer Information Source, which has a national listing of insurers.

Remember that insurance companies may be licensed under a slightly different name or that of their parent company, but you need to match up information such as addresses, phone numbers, and license numbers.

You can also view financial and complaint information. Check the company’s financial stability with a financial ratings company like Standard and Poor’s or Weiss Ratings.

Financial ratings give you a kind of report card on the financial stability of insurance companies, so you know if you can rely on them to be there through tough economic times.

Make sure the ratings and reviews are from an independent source and that they give you useful information.

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Quote Comparison Websites

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Another online option is quote comparison websites such as this one. They save a lot of time and effort as they do the legwork for you.

You fill out one application, and then the quote comparison site sends it out to various providers. They crunch their numbers and send you back a quote.

Generally, you will get quotes from major providers with a comparison website. You may use it to get quotes for your luxury car from major providers quickly.

Comparison websites will save you time to weed out those companies that will only offer you really expensive coverage.

They are easy to use, and you can access the websites from any computer with Internet access.

Compare Quotes

There are a few tips that you should follow when getting quotes for any type of vehicle. Follow these guidelines so your quotes are as effective as possible.

First, it is recommended that you get quotes for exactly the same amount of coverage. Next, get as many quotes as you possibly can.

Don’t stop after one or two quotes. Shopping around requires some legwork so that you can get a wide range of quotes.

Make sure that you investigate the background of any insurance provider that you are unfamiliar with.

Check the Consumer Information Source, financial ratings, and customer review ratings to ensure that your luxury car has the best insurance coverage possible.

Enter your zip code in the FREE search tool below to get quotes for your luxury car immediately!