Premiums can rise far beyond the Ontario benchmark for performance models, luxury vehicles and more costly configurations. Using our internal quote data collected since the start of 2026, we created the following list of the 10 car models with the highest auto insurance rates in Ontario.
Top 10 Most Expensive Cars to Insure in Ontario in 2026
| Car Model | Median Annual Car Insurance Premium | Median Monthly Car Insurance Premium |
|---|---|---|
| Maserati Quattroporte Modena | $5,900 | $492 |
| Aston Martin DB12 | $5,771 | $481 |
| Maserati Grecale GT | $4,855 | $405 |
| Aston Martin DBX | $4,800 | $400 |
| Porsche Panamera Turbo | $4,452 | $371 |
| Dodge Charger GT | $4,428 | $369 |
| Land Rover Range Rover Sport SE | $4,068 | $339 |
| Ford Mustang Dark Horse | $4,000 | $333 |
| Ford Fusion SE | $3,923 | $327 |
| Infiniti QX60 Pure | $3,779 | $315 |
Source: MyChoice Quote Database, 2026
Our Methodology for Choosing the Most Expensive Cars to Insure in Ontario
We analyzed auto insurance quotes collected throughout Ontario since the beginning of 2026 and separated them according to the make, model and year of the vehicle. For each vehicle, we determined the median annual insurance premium and ranked them, starting with the most expensive.
For consistency, we only focused on drivers in the 35–44 age bracket who have a clean driving record and 5+ years of continuous insurance history.
Keep in mind these results don’t represent an in-depth analysis of what everyone will pay to insure a particular vehicle. Rates vary widely according to many factors, including age, location, driving and claims history, and applicable discounts.
1. Maserati Quattroporte Modena
Median annual Ontario insurance premium: $5,900/year
At $5,900 per year, the Maserati Quattroporte Modena gets first place in our ranking of the most expensive cars to insure in Ontario. Its median exceeds Ontario’s $2,345 all-vehicle figure by $3,555, or about 152%.
2. Aston Martin DB12
Median annual Ontario insurance premium: $5,771/year
Next is the Aston Martin DB12 at $5,771 annually. That is $129 less than the Quattroporte Modena but still about 146% above the Ontario benchmark.
3. Maserati Grecale GT
Median annual Ontario insurance premium: $4,855/year
The Maserati Grecale GT is third, at $4,855 for the year, which is $916 lower than the DB12—the biggest fall between two consecutive models in the table.
4. Aston Martin DBX
Median annual Ontario insurance premium: $4,800/year
The Grecale GT is closely followed by the Aston Martin DBX, which costs $4,800 a year, a mere $55 away from the Grecale GT’s median. Both happen to be SUVs.
5. Porsche Panamera Turbo
Median annual Ontario insurance premium: $4,452/year
The Ontario median of the Porsche Panamera Turbo is $4,452, $348 less than that of the Aston Martin DBX.
6. Dodge Charger GT
Median annual Ontario insurance premium: $4,428/year
Insuring a Dodge Charger GT costs around $4,428 per year, which is surprisingly close to that of the Panamera Turbo; the difference is just $24.
7. Land Rover Range Rover Sport SE
Median annual Ontario insurance premium: $4,068/year
For the Range Rover Sport SE, the median annual premium is $4,068, which is $1,723, or approximately 73%, more than the all-vehicle benchmark for Ontario.
8. Ford Mustang Dark Horse
Median annual Ontario insurance premium: $4,000/year
Eighth place belongs to the Ford Mustang Dark Horse at $4,000 per year, about 71% higher than the Ontario median.
9. Ford Fusion SE
Median annual Ontario insurance premium: $3,923/year
The Ford Fusion SE makes a consistent appearance on our list of the most expensive cars to insure in Ontario.
10. Infiniti QX60 Pure
Median annual Ontario insurance premium: $3,779/year
The Infiniti QX60 Pure rounds out the top 10 with a yearly premium of $3,779.
What Factors Affect Insurance Rates for Luxury Cars?
Several considerations commonly make an Ontario high-end vehicle more expensive to insure. The principal factors below explain why luxury and performance models are particularly affected.