If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Maserati car insurance is $4,486 or $374 per month. Remember that your specific rates may vary depending on the Maserati model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Maserati is $4,486 per year.
- The Grecale is the cheapest Maserati model to insure.
- Advanced safety features that come standard on Maserati models help lower your insurance costs.
Average cost of car insurance for a Maserati, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Maserati vehicles compare among different insurers in the table below.
Cost to insure a Maserati, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $3,088 | $1,544 | $257 |
| Travelers | $3,595 | $1,797 | $300 |
| GEICO | $3,818 | $1,909 | $318 |
| Progressive | $3,938 | $1,969 | $328 |
| Nationwide | $4,290 | $2,145 | $357 |
| Farmers | $6,489 | $3,245 | $541 |
| Allstate | $6,919 | $3,459 | $577 |
| USAA | $2,304 | $1,152 | $192 |
Maserati average insurance rates, by model
Maserati Grecale car insurance cost
The average car insurance premium for Maserati Grecale is $374 per month, which translates to $4,486 per year. The most affordable company for a Maserati Grecale is State Farm with a rate of $257 monthly or $3,088 per year.
Insurance rates by car model
The average cost of car insurance for a Maserati, by age
The cost of Maserati car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Maserati by the driver’s age.
Cost to insure a Maserati, by model, for 18-year-olds
| Age | 18 |
| Make Model | Maserati Grecale |
| Annual rates | $14,552 |
| Six-month rates | $7,276 |
| Monthly rates | $1,213 |
Cost to insure a Maserati, by model, for 40-year-olds
| Age | 40 |
| Make Model | Maserati Grecale |
| Annual rates | $4,486 |
| Six-month rates | $2,243 |
| Monthly rates | $374 |
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Maserati car insurance rates by state
Your location significantly impacts your Maserati car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Maserati car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,714 | $1,857 | $309 |
| Alabama | $4,664 | $2,332 | $389 |
| Arkansas | $4,818 | $2,409 | $401 |
| Arizona | $4,314 | $2,157 | $360 |
| California | $6,626 | $3,313 | $552 |
| Colorado | $4,702 | $2,351 | $392 |
| Connecticut | $4,567 | $2,283 | $381 |
| Washington, D.C. | $5,485 | $2,742 | $457 |
| Delaware | $4,535 | $2,268 | $378 |
| Florida | $4,109 | $2,054 | $342 |
| Georgia | $4,339 | $2,169 | $362 |
| Hawaii | $2,114 | $1,057 | $176 |
| Iowa | $3,958 | $1,979 | $330 |
| Idaho | $2,996 | $1,498 | $250 |
| Illinois | $3,893 | $1,947 | $324 |
| Indiana | $3,109 | $1,555 | $259 |
| Kansas | $4,562 | $2,281 | $380 |
| Kentucky | $5,178 | $2,589 | $432 |
| Louisiana | $6,568 | $3,284 | $547 |
| Massachusetts | $3,651 | $1,826 | $304 |
| Maryland | $5,068 | $2,534 | $422 |
| Maine | $2,782 | $1,391 | $232 |
| Michigan | $6,968 | $3,484 | $581 |
| Minnesota | $4,086 | $2,043 | $340 |
| Missouri | $4,687 | $2,344 | $391 |
| Mississippi | $4,794 | $2,397 | $400 |
| Montana | $4,226 | $2,113 | $352 |
| North Carolina | $3,398 | $1,699 | $283 |
| North Dakota | $3,682 | $1,841 | $307 |
| Nebraska | $4,630 | $2,315 | $386 |
| New Hampshire | $2,976 | $1,488 | $248 |
| New Jersey | $5,478 | $2,739 | $456 |
| New Mexico | $4,445 | $2,223 | $370 |
| Nevada | $5,558 | $2,779 | $463 |
| New York | $4,236 | $2,118 | $353 |
| Ohio | $3,070 | $1,535 | $256 |
| Oklahoma | $4,394 | $2,197 | $366 |
| Oregon | $3,721 | $1,861 | $310 |
| Pennsylvania | $4,509 | $2,254 | $376 |
| Rhode Island | $4,531 | $2,265 | $378 |
| South Carolina | $4,937 | $2,468 | $411 |
| South Dakota | $5,160 | $2,580 | $430 |
| Tennessee | $3,966 | $1,983 | $330 |
| Texas | $5,481 | $2,741 | $457 |
| Utah | $3,465 | $1,733 | $289 |
| Virginia | $3,779 | $1,890 | $315 |
| Vermont | $2,971 | $1,485 | $248 |
| Washington | $3,361 | $1,681 | $280 |
| Wisconsin | $4,371 | $2,185 | $364 |
| West Virginia | $3,949 | $1,975 | $329 |
| Wyoming | $3,236 | $1,618 | $270 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Maserati car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Maserati models to insure
Smaller, budget-friendly Maserati models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Maserati models to insure
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Maserati
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Maserati discounts on car insurance
One way to save money on your Maserati insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Maserati car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Maserati
Maserati, a distinguished Italian luxury car manufacturer, was established in 1914 by Alfieri Maserati and his brothers. Maserati’s vehicles, known for their blend of luxury and sportiness, offer an extraordinary driving experience, setting the epitome of elegance and speed.
Final thoughts on Maserati insurance costs
Maserati offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Maserati model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Maserati?
Your driving record is important in determining your Maserati’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Maserati affect the insurance premium?
The color of your Maserati does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Maserati affect insurance costs?
The age of your Maserati can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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