Fast Cars with Cheap Insurance: Top 10 List

Last Updated on December 12, 2025

So you want a fast car — but you don’t want to pay supercar-level insurance. The good news is that plenty of performance cars are genuinely fun (quick 0–60 times, strong power, sharp handling) without automatically being insurance nightmares.

In general, the world’s fastest cars are usually the most expensive to insure because they’re expensive to repair (and replace) and tend to have higher claim severity. That’s why it can cost thousands per year to insure a luxury vehicle like a Lamborghini, Bugatti, Rolls-Royce, or Ferrari.

However, plenty of cars are “fast enough” while still having reasonable car insurance premiums compared to exotics. Models like the Mustang GT, Challenger, and (used) Camaro can offer strong performance without always costing dramatically more to insure than a typical daily driver — depending on your age, ZIP code, driving record, mileage, and coverage choices.

Below are 10 performance cars that are often surprisingly affordable to insure for what you get. Some are available new, others are commonly purchased used — and that can further lower insurance costs if the vehicle’s value is lower.

Key Takeaways

• Fast cars aren’t automatically expensive to insure — replacement cost, repair cost, theft risk, and driver profile often matter more than 0–60 times.
• Many “affordable-fast” models (like Mustangs, Challengers, WRXs, and used Camaros) can have surprisingly reasonable premiums for experienced drivers.
• Buying used and choosing the right trim can lower insurance costs because the vehicle’s market value (and claim severity) is lower.
• The best way to save is still to compare quotes, stack discounts, and confirm rates using the VIN before you buy.

What Makes a Fast Car Cheaper to Insure?

Insurance pricing is never based on speed alone. “Cheaper-to-insure” performance cars tend to have a few things in common:

• Lower replacement cost: lower MSRP and lower market value (especially used models).
• More affordable repairs: more common parts, more repair shops, and fewer exotic materials.
• Strong safety tech and crash performance: can reduce injury claim severity.
• Less “theft appeal” (sometimes): theft rates can influence comprehensive premiums.
• Driver demographics: some models attract safer (or at least more experienced) drivers.

Also: your insurer matters. Two companies can price the same car very differently, so always compare quotes before you buy.

Top 10 Cheapest Fast Cars to Insure

Note: “Fast” here generally means a quick 0–60 time (often around 5 seconds or less, depending on trim). Pricing and performance vary by trim, year, and options — and your insurance rate will vary even more.

1) Ford Mustang GT

Whether buying the convertible or coupe, the Ford Mustang GT is one of the most popular “affordable-fast” cars in America. It’s quick, it has a huge aftermarket, and repairs are generally less exotic than true supercars. Insurance can still be pricey for young drivers, but for experienced drivers it’s often more reasonable than you’d expect for the performance.

Tip: convertibles often cost more to insure than coupes (more theft/vandalism risk and different repair costs), so get quotes for both body styles before you buy.

2) Chevrolet Camaro (commonly bought used)

Like the Mustang, many drivers are surprised at how manageable premiums can be on the Chevrolet Camaro — especially for experienced drivers with clean records. Since the Camaro is frequently bought used, the lower market value of older model years can also help keep premiums down.

Note: higher-performance trims (and younger drivers) can still see big rates. Always quote your exact VIN if possible.

3) Chevrolet Corvette

A Corvette is one of the best “performance-per-dollar” cars in the U.S. Despite supercar acceleration in many trims, it’s sometimes priced more like a high-end sports car than an exotic — especially for mature drivers with good records. Where you live and how you drive matter a lot with Corvette insurance, so quotes can swing widely.

4) Audi S5

The Audi S5 is the high-performance version of Audi’s A5. It’s quick, refined, and often comes loaded with safety and driver-assist features that can help insurers see it as less risky than a “pure” sports car — though repairs can be pricey. If you want a fast daily driver with a premium feel, the S5 often sits in a reasonable insurance zone compared to more exotic German performance models.

5) BMW M3

The BMW M3 is the high-performance version of the BMW 3 Series (like the 325i). It’s an iconic performance sedan that can be very expensive to repair — but premiums can still be surprisingly competitive for experienced drivers, especially compared to similarly quick coupes and exotics. As always, trim level and driver profile make a huge difference.

6) Dodge Challenger

In some years, the Dodge Challenger has been a “bang-for-buck” performance bargain in the insurance world — particularly in non-flagship trims and older model years. It’s widely available used, and older vehicles may cost less to insure due to lower market value. The Dodge Charger is a similar Dodge option that many drivers also find competitively priced.

Watch-outs: high-horsepower trims and certain ZIP codes can drive premiums up fast. Theft risk can also impact comprehensive pricing in some areas.

7) Nissan Z (formerly 370Z)

The Z is Nissan’s classic sports car line (separate from the GT-R). The current Nissan Z is legitimately quick and often priced below many European sports cars, which can help keep insurance more manageable. Your premium will still reflect sports-car risk, but many drivers find the Z cheaper to insure than they expect.

8) Subaru WRX (STI discontinued, commonly referenced)

Most fast cars are two-doors, but the WRX is a practical four-door performance option. Historically, the WRX STI nameplate was the go-to “top trim” for many enthusiasts — but regardless of trim, the WRX often appeals to drivers who want performance with daily usability. Insurance pricing varies a lot based on driver age, claim history, and modification risk, so keep it stock if you want the best rates.

9) Audi TT (commonly bought used)

The Audi TT has long been a stylish, sporty option that can be surprisingly affordable to insure when purchased used — especially compared to higher-end two-seat sports cars. Since it’s no longer sold new in the U.S., most shoppers are looking at older model years, which can help premiums if the vehicle value is lower.

Important: convertibles typically cost more to insure than coupes, not less. And with any used performance car, get a quote using the VIN before you commit.

10) Porsche Boxster (718 Boxster)

When you think “cheap insurance,” you don’t usually think “Porsche.” But the Boxster (now sold as the 718 Boxster) can be more reasonable to insure than many people expect — especially for experienced drivers with clean records. It’s still a premium sports car, so collision and comprehensive can be higher than mainstream models, but it may compare favorably versus higher-priced exotics.

Compare Quotes Today to Save Even More

The examples above are meant to show models that can be “insurance-friendly” for performance cars. But your premium can still vary by thousands per year based on personal factors and insurer pricing.

Use these levers to potentially bring premiums down:

• Compare quotes (different insurers treat sports cars very differently).
• Consider an older model year (the age of the car affects replacement cost and premiums).
• Be honest about mileage and usage (especially if you rarely drive the car).
• Check rates by location — even your ZIP code can be a major pricing factor.

If you want a quick benchmark, see how your quote compares to the average car insurance premiums in the U.S. (then shop around if you’re above average).

Other Discounts Available on Fast Cars

If you want to drive a fast car and pay cheaper insurance premiums, stack as many discounts as you legitimately can:

Safe Driver Discounts: If you have no speeding tickets or at-fault accidents within the last 3 to 5 years, you could qualify for a safe driving discount with most insurers.

Bundling Discounts: Bundling multiple insurance policies together can reduce your insurance cost overall. If you get your home and auto insurance from one company, for example, you could save significantly.

Safety Features: Higher-end safety features like blind-spot monitoring and lane assist can also lower premiums with some insurers.

Good Student Discount: If you’re a student with good grades, you can qualify for a lower rate. Often, you’ll have to submit your report card for proof, so don’t throw it out.

Low Mileage Discount: If you only drive your sports car occasionally, you may qualify for cheaper insurance. Many companies offer low mileage discounts — but you need to report your annual mileage accurately.

Convertible vs. Coupe vs. Sedan: Generally, coupes and convertibles cost more to insure than sedans, since they’re statistically driven more aggressively and can have higher repair costs. However, specific rates vary by model and safety ratings — always compare before you buy.

FAQs on Fast Cars With Cheap Insurance

Final Word – Cheapest Fast Cars to Insure

If you want the fastest cars in the world, you’ll usually pay higher auto insurance premiums. High-end luxury vehicles are expensive to repair and expensive to replace. But you can still find many fast cars with relatively affordable insurance costs — especially if you shop quotes, choose the right trim, and buy used when it makes sense.