The Top 20 Most Expensive Cars to Insure

So you’ve bought that much-desired luxury vehicle. Congratulations. Now comes the second sticker shock: the increase in premiums you have to pay to insure your ride.

When purchasing a car – whether it’s new or resale – you should always consider your auto insurance premiums. Many factors determine rates: driving history; amount and type of usage; safety and crash tests ratings; theft statistics; where you live and work; and more.

But even if your vehicle has all the safety bells and whistles, you’ve never had a ticket, and you live in an insurance-friendly (safe) area, there’s no denying one of the most important rate factors of all: your car’s make and model.

The vehicle’s make and model play a very important role in the risk models insurers use to set your premiums. It’s simple logic: The more expensive the vehicle, the more insurers have to pay in the event of losses. So your luxury car will need more coverage, and you’ll pay more in premiums.

If you’re thinking of buying a car in the new year, when great deals abound, be sure to check this list first. So if you do opt for your dream car, at least you’ll expect the premium sticker shock.

Here, courtesy of consumer insurance website Insure.com, is a list of the top 20 most expensive cars to insure in 2013 and their average premiums:

Mercedes-Benz CL600: $3,357,
Mercedes Benz CL65 AMG: $3,330,
Mercedes Benz S65 AMG: $3,221,
Mercedes-Benz SL65 AMG: $3,207,
Mercedes-Benz CL63 AMG: $3,184,
Mercedes-Benz S600: $3,158,
Mercedes-Benz SL63 AMG: $3,075,
Mercedes-Benz S63 AMG: $2,978,
Mercedes-Benz CL550 4Matic: $2,897,
Mercedes-Benz SL5508: $2,671,
Mercedes-Benz S5508: $2,640.

Porsche 911 Turbo: $2,958,
Porsche 911 Turbo S: $2,925,
Porsche Panamera Turbo: $2,912,
Porsche 911 Carrera 4S6: $2,642,
Porsche 911 Carrera S6: $2,626.

Jaguar XKR (convertible): $2,822,
Jaguar XKR (coupe): $2,756,
Jaguar XK8: $2,684.

BMW 650i8: $2,681.