Maserati Insurance Cost
Across 5 current Maserati models, full coverage averages about $2,153 a year by our estimate — +35% versus the average vehicle ($1,590).
Maserati insurance profile
Maserati is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 4 luxury sports cars and 1 luxury suv. HLDI collision losses for its models average 205 (100 = all-vehicle average).
Every Maserati model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| MCPURA | Luxury sports car | 2026–2026 | — | $2,145 | +35% |
| GT2 Stradale | Luxury sports car | 2025–2026 | — | $2,145 | +35% |
| GranCabrio | Luxury sports car | 2024–2026 | — | $2,145 | +35% |
| GranTurismo | Luxury sports car | 2008–2026 | — | $2,145 | +35% |
| Grecale | Luxury SUV | 2023–2026 | 205 | $2,185 | +37% |
Older and discontinued Maserati models
What makes Maserati insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 3 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 1 models range from 205 to 205, so the model you pick matters as much as the brand.
- Segment mix: 4 luxury sports car, 1 luxury suv.
Average Maserati insurance cost by state
Average full-coverage estimate across current Maserati models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,446 | −33% |
| Idaho | $1,515 | −30% |
| Vermont | $1,522 | −29% |
| North Dakota | $1,525 | −29% |
| Wisconsin | $1,551 | −28% |
| Hawaii | $1,573 | −27% |
| Iowa | $1,585 | −26% |
| Indiana | $1,602 | −26% |
| New Hampshire | $1,613 | −25% |
| Ohio | $1,616 | −25% |
| North Carolina | $1,742 | −19% |
| South Dakota | $1,820 | −15% |
| Kansas | $1,841 | −14% |
| Kentucky | $1,841 | −14% |
| Montana | $1,846 | −14% |
| Nebraska | $1,846 | −14% |
| Wyoming | $1,860 | −14% |
| Washington | $1,867 | −13% |
| Minnesota | $1,895 | −12% |
| Tennessee | $1,898 | −12% |
| Oregon | $1,902 | −12% |
| Virginia | $1,907 | −11% |
| West Virginia | $1,917 | −11% |
| Utah | $1,937 | −10% |
| Illinois | $1,953 | −9% |
| Alaska | $1,959 | −9% |
| Alabama | $1,983 | −8% |
| Pennsylvania | $1,994 | −7% |
| New Mexico | $2,008 | −7% |
| Arkansas | $2,039 | −5% |
| Missouri | $2,042 | −5% |
| Oklahoma | $2,062 | −4% |
| Mississippi | $2,162 | 0% |
| Massachusetts | $2,190 | +2% |
| California | $2,237 | +4% |
| South Carolina | $2,271 | +5% |
| Connecticut | $2,289 | +6% |
| Arizona | $2,292 | +6% |
| Delaware | $2,342 | +9% |
| Nevada | $2,368 | +10% |
| Maryland | $2,444 | +14% |
| Michigan | $2,445 | +14% |
| Colorado | $2,532 | +18% |
| New Jersey | $2,535 | +18% |
| Rhode Island | $2,590 | +20% |
| Georgia | $2,613 | +21% |
| Texas | $2,669 | +24% |
| District of Columbia | $2,823 | +31% |
| New York | $2,850 | +32% |
| Florida | $2,934 | +36% |
| Louisiana | $3,015 | +40% |
Frequently asked questions
How much does it cost to insure a Maserati?
Across 5 current Maserati models, our full-coverage estimate averages $2,153 a year for a driver in their 30s with a clean record, 35% more than the average vehicle ($1,590).
What is the cheapest Maserati to insure?
The Maserati MCPURA has the lowest estimate at about $2,145 a year for full coverage; the Maserati Grecale is the most expensive at about $2,185.
Are Maserati repairs expensive for insurers?
HLDI collision-loss data for 1 Maserati models averages 205 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Maserati?
By our estimates, Maine is the cheapest state (about $1,446 a year on average across current models) and Louisiana the most expensive (about $3,015).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.