The Fastest Cars With Cheap Insurance

Find the Cheapest Auto Insurance Quotes in Your Area

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We collected car insurance quotes and the time it takes to go from 0 to 60 mph for 24 different vehicles to see which fast cars had the most affordable car insurance. Overall, the 2013 Chevrolet Corvette Z06 ranked as the cheapest sports car to insure, with an annual cost of $2,259 for our 40-year-old male profile driver. The Corvette was also the cheapest performance car to insure for young drivers.

Fast Cars With the Cheapest Insurance

The 2013 Chevrolet Corvette Z06 is the best fast car with cheap insurance, when you factor in its low rate for coverage and blistering speed. This Corvette not only features a 0-60 time well under 4 seconds, but also has the lowest insurance quotes—with car insurance costs nearly 40% less than the average across the fast cars we surveyed.


Vehicle0-60 Time (s)Annual Insurance CostComposite Score
12013 Chevrolet Corvette Z063.32$2,25996
22013 Chevrolet Camaro ZL13.64$2,78489
32013 Cadillac CTS-V3.82$3,21176
42014 Ford Mustang Shelby GT5003.13$3,54374
52013 Audi TT4.23$3,10367
62013 Nissan 370Z NISMO4.54$3,01754
72013 Mercedes-Benz SLK55 AMG4.52$3,36950
82013 Dodge SRT Viper2.90$5,43650
92015 Porsche Cayman S4.33$3,46550
102015 Dodge Challenger SRT Hellcat3.32$4,68048
112013 BMW 135is4.89$2,85148
122013 Infiniti IPL G Coupe4.95$3,00744
13 (tie)2013 Porsche 911 Carrera S4.23$3,89743
13 (tie)2015 BMW M44.09$4,31143
13 (tie)2015 Lexus RC F4.15$4,11043
162016 BMW M24.51$3,75641
17 (tie)2013 BMW M34.33$3,90039
17 (tie)2014 Jaguar XK Touring4.37$3,84639
192015 Audi RS 5 quattro4.13$4,48539
202013 Mercedes-Benz C 63 AMG3.91$5,14239
212013 Audi S5 Premium Plus quattro4.80$3,45637
222013 Mercedes-Benz E 5504.82$3,39337
232014 Hyundai Genesis Coupe4.72$3,81333
242013 BMW 6 Series 650i xDrive Coupe4.77$4,17320

If you are looking for fast cars with cheap insurance, high-powered domestic cars—such as the Chevy Camaro, Cadillac CTS-V, Ford Mustang or aforementioned Chevy Corvette—are the perfect intersection of speed and affordable insurance. The American-made cars not only feature more affordable insurance rates than the foreign cars we surveyed, but also have an average 0-60 time of 3.4 seconds. This is more than one second faster than the average for the European- and Asian-made cars we surveyed.

Vehicle TypeAverage 0-60 TimeAverage Annual Insurance Cost
Domestic3.35 s$3,652
Foreign4.46 s$3,727
All4.18 s$3,709

Fast Cars with Cheap Insurance for Young Drivers

Like for our 40-year-old profile male driver, the sports car with the cheapest insurance for young drivers is the 2013 Chevrolet Corvette Z06.. This vehicle's annual insurance costs for our 25-year-old male profile driver is $2,808, which is 38% cheaper than the $4,531 mean across all of the vehicles we surveyed. Additionally, the Corvette's rates were $617 less per year than the next cheapest sports car to insure: the 2013 Chevy Camaro ZL1.

Another notable sports car with cheap insurance for young drivers is the 2013 Nissan 370Z NISMO. Though the Nissan 370Z NISMO doesn't have the same straight line speed and is more expensive to insure than the Corvette and Camaro, it is one of the most affordable fast cars we considered. The Nissan's market value of $21,079, makes it the third cheapest sports car we considered in our study.

RankVehicle0-60 Time (s)Annual Insurance CostComposite Score
12013 Chevrolet Corvette Z063.32$2,80896
22013 Chevrolet Camaro ZL13.64$3,42589
32013 Cadillac CTS-V3.82$4,02076
42014 Ford Mustang Shelby GT5003.13$4,36872
52013 Audi TT4.23$3,90070
62013 Nissan 370Z NISMO4.54$3,70359
72013 BMW M34.33$4,07457
82013 Dodge SRT Viper2.90$6,94250
92015 Porsche Cayman S4.33$4,31148
102015 Dodge Challenger SRT Hellcat3.32$5,85246
112013 Mercedes-Benz SLK55 AMG4.52$4,11046
12 (tie)2013 Infiniti IPL G Coupe4.95$3,75643
12 (tie)2015 Audi RS 5 quattro4.13$5,11743
12 (tie)2015 BMW M44.09$5,33143
12 (tie)2015 Lexus RC F4.15$5,07343
162013 Mercedes-Benz C 63 AMG3.91$5,37043
17 (tie)2013 Audi S5 Premium Plus quattro4.80$4,03741
17 (tie)2013 BMW 135is4.89$3,92241
192013 Porsche 911 Carrera S4.23$4,87541
202016 BMW M24.51$4,56939
212014 Jaguar XK Touring4.37$4,78237
222013 Mercedes-Benz E 5504.82$4,19433
232014 Hyundai Genesis Coupe4.72$4,63530
242013 BMW 6 Series 650i xDrive Coupe4.77$5,55913

Most Affordable Sports Cars

We found the most affordable fast car for our 40-year-old male profile driver to be the 2013 Chevrolet Camaro ZL1. This vehicle performed well compared to the other sports cars we surveyed—ranking in the top 10 in each category: 0-60 time, car cost and annual insurance rate. With a market value of $26,631—22% less than the $34,081 average across the vehicles we sampled—the 2013 Chevy Camaro is one of the fastest cheap cars.

The 2014 Hyundai Genesis Coupe was the cheapest sports car included in our survey. This car can be bought for around $17,023, which is more than 50% less than the $34,081 average cost across the cars we considered. Just because the Hyundai is one of the cheapest sports cars we considered doesn't mean it's not fast. The Genesis boasts a 0-60 time of 4.74 seconds and is capable of producing more than 300 horsepower.

RankVehicle0-60 Time (s)Annual Insurance CostVehicle CostComposite Score
12013 Chevrolet Camaro ZL13.64$2,784$26,63182
22013 Nissan 370Z NISMO4.54$3,017$21,07973
32013 Chevrolet Corvette Z063.32$2,259$37,04470
42013 Audi TT4.23$3,103$28,02869
52013 BMW 135is4.89$2,851$21,19267
62013 BMW M34.33$3,900$18,96367
72014 Hyundai Genesis Coupe4.72$3,813$17,02366
82013 Cadillac CTS-V3.82$3,211$30,97566
92014 Ford Mustang Shelby GT5003.13$3,543$31,96363
102013 Infiniti IPL G Coupe4.95$3,007$25,08863
112013 Audi S5 Premium Plus quattro4.80$3,456$25,62758
122013 Mercedes-Benz E 5504.82$3,393$28,40051
132013 Mercedes-Benz C 63 AMG3.91$5,142$30,54150
142013 Mercedes-Benz SLK55 AMG4.52$3,369$33,31549
152015 Dodge Challenger SRT Hellcat3.32$4,680$40,22343
162013 Porsche 911 Carrera S4.23$3,897$40,22939
172016 BMW M24.51$3,756$41,87736
182015 Porsche Cayman S4.33$3,465$44,02236
192015 Lexus RC F4.15$4,110$43,05635
202015 BMW M44.09$4,311$44,29830
212013 Dodge SRT Viper2.90$5,436$47,72327
222014 Jaguar XK Touring4.37$3,846$45,82026
232015 Audi RS 5 quattro4.13$4,485$48,92120
242013 BMW 6 Series 650i xDrive Coupe4.77$4,173$45,91314

Why is Insurance More Expensive for Sports Cars?

Performance cars, such as the ones listed above, often have high insurance rates because they are more likely to get in an accident that results in an insurance claim than other vehicles. Additionally, they tend to be 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.

For example—of the vehicles we sampled—those reported as having a 0-60 time of less than 3.5 seconds were 16% more expensive to insure. Because insurance costs are often so high for these vehicles, the best way you can get the cheapest insurance for sports cars is to compare rates from multiple insurance companies.

Chart comparing vehicle speed (as represented by 0-60 times) to annual insurance cost

Another reason fast cars are often associated with high insurance costs is that they are—especially in the case of the European sports cars—expensive to repair and replace. We found that the cheapest performance cars, with values between $15,000 and $25,000, had annual insurance costs 16% lower than the most expensive vehicles we surveyed—with values more than $35,000.

Comparing the cost of the vehicle to the annual insurance rate


Vehicle specs—such as 0-60 times and car price—were gathered from CarSpecs.US. Our study included coupes and convertibles with model years between 2013 and 2018, 0-60 times less than 5 seconds and prices of $50,000 or less. For vehicles with multiple model years and trims that met this criteria, the specific car with the fastest 0-60 time was chosen. Insurance costs represent the cost of full coverage insurance policy for a male driver living in Chicago.

To calculate composite scores for the cheapest fast cars to insure and most affordable sports cars, we considered the following factors: 0-60 times, annual insurance costs and vehicle cost (only for the most affordable sports cars score).

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.