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 $5,831 or $486 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 $5,831 per year.
- The Levante 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 |
|---|---|---|---|
| Nationwide | $3,313 | $1,657 | $276 |
| State Farm | $3,687 | $1,844 | $307 |
| Progressive | $5,358 | $2,679 | $446 |
| Geico | $5,649 | $2,824 | $471 |
| Farmers | $7,757 | $3,879 | $646 |
| Allstate | $9,305 | $4,653 | $775 |
Maserati average insurance rates, by model
Maserati Levante car insurance cost
Car insurance costs $420 per month or $5,042 a year on average for a Maserati Levante, according to CarInsurance.com’s data study. Nationwide has the cheapest car insurance rates for Maserati Levante among the companies analyzed. Its average annual cost for a Maserati Levante is $3,150 or $263 per month.
Maserati Ghibli car insurance cost
The average car insurance premium for Maserati Ghibli is $532 per month, which translates to $6,386 per year. The most affordable company for a Maserati Ghibli is Nationwide with a rate of $302 monthly or $3,622 per year.
Maserati Quattroporte car insurance cost
The average car insurance premium for Maserati Quattroporte is $591 per month, which translates to $7,090 per year. The most affordable company for a Maserati Quattroporte is Nationwide with a rate of $265 monthly or $3,184 per year.
Insurance rates by car model
The average cost of car insurance for a Maserati, by age
Maserati car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
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.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Maserati based on the driver’s age.
Cost to insure a Maserati, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Maserati Ghibli | $24,609 | $12,304 | $2,051 |
| 18 | Maserati Levante | $19,264 | $9,632 | $1,605 |
| 18 | Maserati Quattroporte | $26,802 | $13,401 | $2,234 |
Cost to insure a Maserati, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Maserati Ghibli | $6,386 | $3,193 | $532 |
| 40 | Maserati Levante | $5,042 | $2,521 | $420 |
| 40 | Maserati Quattroporte | $7,090 | $3,545 | $591 |
Maserati car insurance rates by state
When it comes to insuring your Maserati, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Maserati car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $4,751 | $2,375 | $396 |
| Alabama | $5,805 | $2,903 | $484 |
| Arkansas | $7,137 | $3,569 | $595 |
| Arizona | $5,260 | $2,630 | $438 |
| California | $6,663 | $3,331 | $555 |
| Colorado | $7,686 | $3,843 | $640 |
| Connecticut | $5,225 | $2,613 | $435 |
| Washington, D.C. | $6,726 | $3,363 | $561 |
| Delaware | $5,420 | $2,710 | $452 |
| Florida | $5,007 | $2,503 | $417 |
| Georgia | $6,174 | $3,087 | $514 |
| Hawaii | $2,554 | $1,277 | $213 |
| Iowa | $5,709 | $2,855 | $476 |
| Idaho | $4,424 | $2,212 | $369 |
| Illinois | $5,982 | $2,991 | $499 |
| Indiana | $5,618 | $2,809 | $468 |
| Kansas | $6,726 | $3,363 | $561 |
| Kentucky | $6,806 | $3,403 | $567 |
| Louisiana | $8,251 | $4,126 | $688 |
| Massachusetts | $5,856 | $2,928 | $488 |
| Maryland | $5,344 | $2,672 | $445 |
| Maine | $4,435 | $2,218 | $370 |
| Michigan | $7,593 | $3,797 | $633 |
| Minnesota | $6,850 | $3,425 | $571 |
| Missouri | $7,285 | $3,642 | $607 |
| Mississippi | $6,551 | $3,275 | $546 |
| Montana | $7,399 | $3,699 | $617 |
| North Carolina | $3,947 | $1,973 | $329 |
| North Dakota | $6,269 | $3,134 | $522 |
| Nebraska | $6,995 | $3,498 | $583 |
| New Hampshire | $4,431 | $2,216 | $369 |
| New Jersey | $4,724 | $2,362 | $394 |
| New Mexico | $6,256 | $3,128 | $521 |
| Nevada | $4,821 | $2,411 | $402 |
| New York | $4,257 | $2,128 | $355 |
| Ohio | $4,321 | $2,161 | $360 |
| Oklahoma | $7,194 | $3,597 | $599 |
| Oregon | $5,730 | $2,865 | $477 |
| Pennsylvania | $5,348 | $2,674 | $446 |
| Rhode Island | $6,613 | $3,307 | $551 |
| South Carolina | $4,429 | $2,214 | $369 |
| South Dakota | $8,061 | $4,030 | $672 |
| Tennessee | $6,787 | $3,393 | $566 |
| Texas | $7,816 | $3,908 | $651 |
| Utah | $4,905 | $2,453 | $409 |
| Virginia | $4,067 | $2,034 | $339 |
| Vermont | $4,564 | $2,282 | $380 |
| Washington | $4,568 | $2,284 | $381 |
| Wisconsin | $4,909 | $2,455 | $409 |
| West Virginia | $5,857 | $2,929 | $488 |
| Wyoming | $6,266 | $3,133 | $522 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Maserati car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
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.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“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, senior agent with A Plus Insurance. “If you are younger and 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
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
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
You can take advantage of all the available discounts to lower your Maserati car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“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 Maserati auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Maserati insurance? It will depend on which model you choose. Maserati builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
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.
No matter which Maserati model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Maserati?
Yes, your driving record has a significant impact on your Maserati’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Maserati affect the insurance premium?
No, the color of your Maserati does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Maserati affect insurance costs?
The age of your Maserati can influence your insurance costs. Older Maserati models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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