The 10 Most Affordable Sports Cars to Insure

On the spectrum of vehicles that ranges from “mundane transportation” to “pure frivolous fun,” sports cars occupy spots near the endpoint of “frivolous fun.” However, nothing can be more of a buzzkill to the joy of driving a sports car than high insurance costs. To counter that, we have compiled a list of the 10 most affordable sports cars to insure. Insuring a performance model is typically more expensive than insuring a regular car. High horsepower combined with drivers who like to push the limits make this inevitable. Thankfully, some high-performance sports cars are much less expensive to insure than others, and that’s something you should consider when buying a sports or performance car.

Insurance-Cost Analysis

When analyzing the cost of personal transportation, it goes beyond the price of the car, fuel, and maintenance. The cost of car insurance is a key factor that should not be overlooked. Insurance experts and car reviewers agree that understanding insurance costs is crucial. With that in mind, we enlisted the advice of a noted insurance company to provide you with a list of the most affordable sports cars to insure. Presented in descending order of cost, here are the top 10 most affordable sports cars to insure.

No. 10: Porsche Boxster

With its exquisite balance, mid-engine placement, and powerful engines, the Porsche 718 Boxster is one of the sweetest, most satisfying rides on the planet. While the base model is not cheap, starting at well over $60,000, its insurance costs can be kept low by opting for the base model. The lowest-level 718 Boxster comes with a 300-horsepower turbocharged 2.0-liter horizontally opposed 4-cylinder engine. It offers a choice between a standard 6-speed manual transmission or a 7-speed automatic. While the interior space is restricted to two passengers, this mid-engine sports car is sure to keep a smile on your face.

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No. 9: Mercedes-AMG C 43

The Mercedes-AMG C 43 is part of the more affordable C-Class line in the Mercedes-Benz portfolio. Priced at over $60,000, this sleek coupe justifies its cost with its performance. Powered by a 385-horsepower twin-turbocharged 3.0-liter 6-cylinder engine, it can go from zero to 60 miles per hour in about four seconds. With all-wheel drive and a luxurious interior, the Mercedes-AMG C 43 offers both style and power.

No. 8: BMW 230i

The BMW 230i coupe is a capable 4-seater that delivers both performance and maneuverability. It comes with a 255-horsepower turbocharged 4-cylinder engine and a rear-wheel drive. The 230i offers the choice between an 8-speed automatic transmission and a manual transmission. It also offers Dynamic Handling and M Sport option packages that enhance its performance potential.

No. 7: BMW Z4

The BMW Z4 is a convertible 2-seater that offers a thrilling driving experience while maintaining reasonably low insurance costs. With a 255-horsepower turbocharged 4-cylinder engine, the Z4 delivers a pleasurable amount of power. For those seeking more power, the Z4 M40i comes with a 382-horsepower inline 6-cylinder engine. With its good looks and performance, the BMW Z4 is a sports car that stands out.

No. 6: Mercedes-Benz E450

While the Mercedes-Benz E 450 sedan may not be classified as a sports car, the E 450 Coupe easily earns that title. It features a powerful 362-horsepower twin-turbocharged 6-cylinder engine and all-wheel drive. With its luxurious interior and impressive performance, the E 450 Coupe offers the best of both worlds.

No. 5: Mazda MX-5 Miata

The Mazda MX-5 Miata has been a favorite among sports car enthusiasts for decades. With a 181-horsepower 4-cylinder engine, the MX-5 Miata offers a perfectly balanced driving experience. It comes with a 6-speed manual transmission as standard, while a 6-speed automatic transmission is also available. The MX-5 Miata’s responsive handling and affordable insurance costs make it an excellent choice for those seeking an affordable sports car.

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No. 4: Volkswagen Golf GTI

The Volkswagen Golf GTI is a renowned hot hatchback that offers exceptional handling, impressive acceleration, and good fuel economy. Powered by a 241-horsepower turbocharged 4-cylinder engine, it comes with either a 6-speed manual or a 7-speed dual-clutch automatic transmission. With its sporty yet practical design, the Golf GTI provides an excellent balance between performance and functionality.

No. 3: Ford Mustang

The Ford Mustang has a reputation for delivering thrilling performance. Even the less expensive Mustang models offer a well-balanced driving experience. With a range of engine options, including a 310-horsepower 4-cylinder turbocharged engine, the Mustang offers both power and efficiency. Its rear-wheel drive and well-tuned suspension provide exceptional handling and roadholding capabilities.

No. 2: Chevrolet Camaro

The Chevrolet Camaro remains a popular choice among sports car enthusiasts. With a wide range of variations, there is a Camaro to suit every performance preference. The base model comes with a 275-horsepower 4-cylinder turbocharged engine, while a 335-horsepower V6 is also available. The Camaro offers rear-wheel drive and well-tuned suspension, making it a delight to drive on curvy roads.


  1. Are sports cars more expensive to insure?
    Sports cars are generally more expensive to insure due to their high performance and higher risk of accidents. However, there are affordable sports cars available with lower insurance costs.

  2. What factors affect the cost of sports car insurance?
    The cost of sports car insurance depends on various factors, including the car’s value, horsepower, safety features, driver history, and location.

  3. How can I lower my sports car insurance premiums?
    You can lower your sports car insurance premiums by maintaining a clean driving record, taking advantage of available discounts, opting for higher deductibles, and considering additional safety features.

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When shopping for a sports car, it’s important to consider not only the upfront cost but also the long-term expenses, such as insurance. The 10 most affordable sports cars to insure listed above combine performance, style, and reasonable insurance costs. Whether you choose a Porsche Boxster or a Chevrolet Camaro, these sports cars offer driving thrills without breaking the bank. So go ahead and enjoy the exhilaration of owning a sports car without the worry of sky-high insurance premiums.

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