The Fastest Cars With Cheap Insurance
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The 2019 Cadillac ATS ranked as the cheapest sports car to insure, with an average annual cost of $2,085 for our sample 40-year-old male driver. The 2019 Cadillac ATS was also the cheapest performance car to insure for young drivers.
Fast cars with the cheapest insurance
The 2019 Cadillac ATS is the best fast car with cheap insurance when you factor in its low coverage rate and blistering speed. This Cadillac not only features a zero-to-60 time well under five seconds, but it also has the lowest insurance quotes — with car insurance costs 28% less than average across the fast cars we surveyed.
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Our research shows that the average cost to insure a car with a zero-to-60 time of less than five seconds is $2,894 per year.
Fast cars with the cheapest insurance
Rank | Vehicle | 0-60 time | Average annual rate |
|---|---|---|---|
| 1 | 2019 Cadillac ATS | 4.05 | $2,085 |
| 2 | 2016 Audi TTS 2.0 Quattro | 4.62 | $2,318 |
| 3 | 2020 Ford Mustang GT Premium | 4.09 | $2,417 |
| 4 | 2020 Nissan 370Z Nismo | 4.57 | $2,453 |
| 5 | 2020 Corvette Stingray 1LT | 3.35 | $2,562 |
If you're looking for fast cars with cheap insurance, high-powered domestic cars — such as the Ford Mustang or Chevy Corvette — are the perfect intersection of speed and affordable insurance.
The American branded cars not only feature more affordable insurance rates than the foreign makes we surveyed, but they also have an average zero-to-60 time of 3.57 seconds. This is more than half a second faster than the average for the European and Asian makes we surveyed.
Vehicle type | Average 0-60 time | Average annual rate |
|---|---|---|
| Domestic | 3.57 | $2,763 |
| Foreign | 4.10 | $2,964 |
| All | 3.91 | $2,894 |
Fast cars with cheap insurance for young drivers
Like our sample 40-year-old male driver, the sports car with the cheapest insurance for young drivers is the 2019 Cadillac ATS.
- This vehicle's annual insurance cost for our 25-year-old male driver is $2,625, which is 28% cheaper than the $3,635 average across all of the vehicles we surveyed.
- Additionally, the Corvette's rates were $289 less per year than the next-cheapest sports car to insure, the 2016 Audi TTS 2.0 Quattro.
Another notable sports car with cheap insurance for young drivers is the 2020 Nissan 370Z Nismo. Although the Nissan 370Z NISMO doesn't have the same straight-line speed and is more expensive to insure than the Ford Mustang, for instance, it is one of the most affordable fast cars we considered. The Nissan's market value of $36,846 makes it the cheapest sports car in our study.
Fast cars with cheap insurance for young drivers
Rank | Vehicle | 0-60 time | Average annual rate |
|---|---|---|---|
| 1 | 2019 Cadillac ATS | 4.05 | $2,625 |
| 2 | 2016 Audi TTS 2.0 Quattro | 4.62 | $2,914 |
| 3 | 2020 Ford Mustang GT Premium | 4.09 | $3,058 |
| 4 | 2020 Nissan 370Z Nismo | 4.57 | $3,128 |
| 5 | 2020 Corvette Stingray 1LT | 3.35 | $3,208 |
Why is insurance more expensive for sports cars?
Performance cars often have higher insurance rates because insurers consider them more likely than other vehicles to get in an accident that results in an insurance claim.
Additionally, sports cars are more expensive to repair. When setting rates, insurers consider how often car owners of a particular make and model file a claim. Since sports cars are capable of reaching high speeds and are more likely to be driven irresponsibly, they are more often involved in accidents. Because insurance costs are often so high for these vehicles, the best way you can get the cheapest insurance for your sports car is to compare cheap rates from multiple insurance companies.
Another reason fast cars are often associated with high insurance costs is that they are expensive to repair and replace — especially in the case of the European sports cars. Annual insurance costs for the cheapest performance cars, with values between $35,000 and $50,000, were 21% lower than they were for the most expensive vehicles — with values of more than $65,000 — that we surveyed.
Most affordable sports cars
The 2020 Nissan 370Z Nismo was the cheapest sports car included in our survey. This car can be bought for around $36,846, which is 41% less than the $62,259 average cost across the cars we considered. Just because the Nissan is one of the cheapest sports cars we considered doesn't mean it's not fast.
The 370Z Nismo boasts a zero-to-60 time of 4.57 seconds and is capable of producing more than 300 horsepower.
Cheapest sports cars
Rank | Vehicle | Vehicle cost | 0-60 time | Average annual rate |
|---|---|---|---|---|
| 1 | 2016 Nissan 370Z Nismo | $36,846 | 4.57 | $2,453 |
| 2 | 2016 Audi TTS | $42,039 | 4.62 | $2,318 |
| 3 | 2020 Ford Mustang | $45,130 | 4.09 | $2,417 |
| 4 | 2016 Dodge Challenger | $50,620 | 3.32 | $2,932 |
| 5 | 2016 Lexus RC F | $50,872 | 4.15 | $2,614 |
Methodology
Vehicle specs — such as zero-to-60 time and vehicle cost — were gathered from CarSpecs.us. Our study included coupes and convertibles with model years between 2016 and 2020, zero-to-60 times of less than five seconds and prices of $75,500 or less. For vehicles with multiple model years and trims that met this criteria, the most recent car model was chosen.
Unless otherwise noted, insurance rates represent the cost of a full-coverage policy for a 40-year-old male driver with a clean record living in Indiana. We gave our driver the following coverage limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
Quadrant Information Services supplied ValuePenguin with the rate data used in this analysis. Quotes were publicly sourced from insurer filings and are intended for comparative purposes only. Your own quotes will likely differ.