Cheapest Car Insurance for Sports Cars

State Farm and GEICO tie for the cheapest sports car insurance at $130 per month for full coverage. State Farm offers the lowest rates for popular models like the Nissan 350Z ($84 monthly), Subaru WRX ($97 monthly) and Ford Mustang GT ($109 monthly). GEICO leads for electric performance vehicles like the Porsche Taycan ($110 monthly) and the Subaru BRZ ($100 monthly).

Both insurers maintain strong financial stability ratings. State Farm's Drive Safe & Save and GEICO's DriveEasy telematics programs can reduce your premium by up to 30% if you avoid hard braking and late-night driving.

The Nissan 350Z costs just $84 monthly to insure, less than half the $193 you'll pay for a BMW i8. Your vehicle choice affects premiums as much as your driving record. A Ford Mustang GT at $109 monthly sits in the middle, costing $25 more than the 350Z but $84 less than the i8.

We analyzed quotes from seven major insurers across 16 popular sports car models to find the lowest rates for each vehicle.

GEICO offers the cheapest Porsche Taycan insurance at $110 monthly ($1,325 annually). That's $280 less than Farmers' $390 rate. The Taycan's electric powertrain and advanced safety features help keep premiums lower than gas-powered supercars despite its 3.5-second 0-60 time.

State Farm has the cheapest Nissan 350Z insurance at $84 a month ($1,004 annually), $671 less than Progressive's $1,675 annual rate. Affordable replacement parts and lower theft rates than Mustangs and Camaros keep the 350Z's premiums below most sports cars.

State Farm has the cheapest Ford Mustang EcoBoost insurance at $102 a month ($1,221 annually), $691 less per year than Allstate's $1,912. The turbocharged four-cylinder costs 10% to 15% less to insure than the V8 GT even though acceleration figures are close.

State Farm has the cheapest Subaru WRX insurance at $97 a month ($1,168 annually), $764 below Farmers' $1,932. The WRX's all-wheel-drive system and strong safety ratings partially offset the performance car classification.

State Farm has the cheapest Chevrolet Camaro LS insurance at $106 a month ($1,268 annually), $38 a month less than Farmers at $144. The base V6 LS costs $47 a month less to insure than the ZL1.

GEICO has the cheapest Subaru BRZ insurance at $100 a month ($1,204 annually), $75 a month below Farmers at $175. Lightweight construction and a modest 228 horsepower keep BRZ premiums below most sports car benchmarks.

State Farm has the cheapest Chevrolet Camaro SS insurance at $108 a month ($1,299 annually), $44 a month less than Progressive at $152. Despite 165 more horsepower than the base LS, the SS adds only $2 a month to insure.

State Farm has the cheapest Dodge Challenger R/T insurance at $116 a month ($1,392 annually), $50 a month less than Farmers at $166. The R/T costs $38 a month less than the supercharged Hellcat variant.

State Farm offers the cheapest Ford Mustang GT insurance at $109 monthly ($1,308 annually). That's $48 less per month than Progressive's $157 rate. The GT's 5.0-liter V8 adds just $7 monthly compared to the EcoBoost despite 210 more horsepower.

GEICO offers the cheapest Toyota 86 insurance at $109 monthly ($1,304 annually). That's $89 less per month than Farmers' $198 rate. The 86's excellent safety ratings and 228-horsepower flat-four engine help keep premiums competitive with non-sports cars.

Nationwide provides the most affordable full coverage car insurance for a Chevrolet Corvette, averaging $100 monthly. This rate is $89 less than Allstate, the most expensive option at $189 monthly. Nationwide excels in affordability, customer satisfaction and financial stability.

GEICO has the cheapest Ford Mustang Mach-E insurance at $103 a month ($1,236 annually), $72 a month less than Allstate at $175. The electric powertrain and advanced safety features keep the Mach-E well below the rates charged for gas-powered Mustangs.

GEICO, State Farm and Travelers are tied for the cheapest Chevrolet Camaro ZL1 insurance at $153 a month ($1,838 annually). The ZL1's 650-horsepower output and higher theft risk add $47 a month over the base LS.

Nationwide offers the cheapest Dodge Challenger SRT Hellcat insurance at $154 monthly ($1,843 annually). That's $90 less per month than Progressive's $244 rate. The Hellcat's 717-horsepower supercharged V8 adds $38 monthly compared to the standard R/T model.

State Farm has the cheapest Nissan GT-R insurance at $158 a month ($1,898 annually), $141 a month less than Allstate at $299. Despite 2.9-second 0-60 performance, the GT-R costs less to insure than the BMW i8 because of lower theft rates and a buyer demographic that skews older.

Progressive has the cheapest BMW i8 insurance at $193 a month ($2,315 annually), $166 a month less than Farmers at $359. Exotic classification and expensive carbon-fiber repair costs push i8 premiums above more powerful vehicles like the Corvette.

Sports cars cost more to insure than standard vehicles, but rates vary enough between insurers that shopping around matters. State Farm pairs competitive premiums with strong customer service and financial stability. The Nissan 350Z at $1,004 a year with State Farm is one of the lowest-cost sports car options in MoneyGeek's analysis.

Want to know which sports cars deliver the best combination of thrills and reasonable insurance costs? Here's how acceleration performance relates to insurance premiums for popular models.

*Performance Value: Speed vs. Insurance Cost efficiency

Insuring a sports car means balancing cost and coverage. Sports cars cost more because of their speed, repair costs and theft risk. This guide explains what to consider, including coverage options, discounts and how driving habits impact rates. Whether you drive daily or occasionally, the right policy provides solid protection at a fair price.

Sports car insurance costs more by nature, but strategic choices helps reduce your premiums without sacrificing the protection you need.

Discount availability and amounts vary by state and driver profile, so confirm specifics with your insurer or a local agent.

Insurers classify sports cars based on two-door configuration, horsepower above 300, performance-focused design, large engine displacement and sports-tuned suspension. Classification is set automatically through the VIN and can't be negotiated.

State Farm and GEICO consistently price sports cars competitively across multiple models. The Nissan 350Z and Subaru WRX have the lowest premiums of any sports cars in this analysis.

Higher repair and collision costs push premiums up across the category, but bundling, higher deductibles and pay-per-mile programs can reduce the impact. Pull quotes specific to your car and ZIP code because rate differences at the local level can be as wide as they are between insurers.

We combined comprehensive rate analysis with real-world sports car expertise, going beyond basic price comparisons to analyze how insurers classify performance vehicles, verify coverage policies through direct contact with customer service departments, and research claims data to understand why sports cars cost more to insure.