10 Most Expensive Cars to Crash

Many people dream of owning expensive, flashy cars, but it’s important to have a realistic idea of the expense that goes into owning one of these vehicles. Sports cars, luxury vehicles, and other expensive cars aren’t just costly to purchase; they are also very expensive to maintain and, if necessary, repair. The following are a few of the most expensive cars one could possibly crash, so take this information into account before purchasing a lavish vehicle.

Luxury Vehicles Top the List of Collision Cost

The Insurance Institute for Highway Safety collates data from collision reports to determine the cost of repairing different vehicles, and luxury models are the most expensive to repair. Something as seemingly simple as a broken headlight can cost hundreds more for a luxury car than a standard economy vehicle. The average cost of repairing a standard passenger vehicle is around $390, but the following vehicles will cost much more to fix.

The IIHS measures this data using claim frequency, or the rate at which owners report claims on these vehicles, and losses. “Claim severity” refers to how much an average claim is worth, and “overall losses” refers to average payments per insured vehicle year.

Bentley Continental GT (Four-Wheel Drive Model)

The Bentley Continental GT with four-wheel drive tops the IIHS list for highest collision cost with average overall losses at $2,500, about six and a half times the U.S. average. The claim frequency for this luxury coupe is around 7.1, with a claim severity average of about $35,000. That’s about the total cost of a standard passenger coupe in the United States.

Bentley Continental Flying Spur

This Bentley model is the four-door version of the Continental GT, and second on the list of most expensive cars to crash. The repair frequency for the Flying Spur is 8.1, with overall losses averaging about $2,300. The average severity of a claim for a Flying Spur is about $29,000.

Bentley Continental GTC

British automaker Bentley fills the top three spots with the Continental GTC model taking third place. The claim frequency for the convertible model of the Bentley Continental GT has a claim frequency of 6.5, with severity averaging around $29,000. Overall losses for the Continental GTC are about $1,900.

BMW i8

The i8 hybrid sports coupe from German automaker BMW is the fourth most expensive car to crash. Claim frequency for this model is 7.7, and the average claim severity is about $22,000. Overall losses for the BMW i8 average out to about $1,700.

Maserati GranTurismo

The GranTurismo’s overall losses are four times the average at around $1,500. The GranTurismo has a claim frequency of 8.5, and this luxury sports coupe has a higher price tag than some of the other luxury models on this list. The average claim severity of this model of Maserati is around $19,000.


This BMW is the sixth most expensive car to crash with a claim frequency of 8.6 and average claim severity of around $17,000.

Audi RS7

Seventh place goes to the Audi RS7 with an average claim severity of $16,000 and claim frequency of 8.7. Overall losses for an Audi RS7 average out to around $1,400.


The third BMW to make the top ten is the M3, with a claim frequency of 8.0 and a higher than average claim severity amount of around $17,000. The M3 usually incurs around $1,400 in overall losses.


The ninth spot goes to the BMW M4. This expensive vehicle has a higher than average claim frequency of 10.0 but has a lower average claim severity amount than the other BMWs on the list at around $13,000. Overall losses for the BMW M4 are around $1,300.

Maserati Ghibli

Although the Maserati Ghibli is tenth on the list of the most expensive cars to crash, it actually has the highest claim frequency at 10.1. Claim severity averages around $13,000, and overall losses are about $1,300.

If you can afford one of these vehicles or own one already, take the time to thoroughly investigate the manufacturer’s warranty offerings, find a service center you trust, and make sure you’re comfortable with the financial obligations that come along with the price tag before buying. Expensive cars aren’t just pricey to buy initially; they also entail a higher cost of ownership over time.