How much would it cost to insure these 5 supercars?

Will Kinton

Most people can barely get their head around the financial ability to purchase a supercar, yet alone what it costs to keep one in the garage. A basic oil change for a supercar can often times means removing the entire engine, and can end up costing tens of thousands of dollars.

See also: The new Bugatti Chiron: '$2.6 million luxury land missile'

One of the more nebulous areas of regular car ownership cost is insurance, so you would imagine that insuring a supercar would be expensive. A lot of factors go into insuring a supercar, with estimates ranging from 5 percent to 10 percent of the vehicle value. (We've settled on the more optimistic and wholy unscientific 5 percent.) Check out these five supercars to see how much it would cost to insure them. 

Ferrari 488 GTB

Supercars Ferrari 488 GTB

Ferrari's newest mid-engined supercar is the first mid-engined turbocharged V8 from the Italian marque since the F40. The change from naturally aspirated to turbo may have been due to corporate fuel economy regulations, but the 488 GTB only profits from the change, giving the car an additional 99 horsepower and 163 ft-lbs of torque over the previous 458 Italia. That extra power off course means that the 488 GTB is faster than the previous car as well, with a 0-60 time of about three seconds. The exterior has also been reworked to provide extra downforce, helping it go around corners even quicker. 

The Ferrari 488 GTB will set you back $242,737 to put it in the garage, but in order to drive it on the road, you'll need to spend $1,126 on insurance per month. 

Supercars Ferrari 488 GTB

McLaren 650S

McLaren 650S

The 650S is McLaren's $349,500 midlevel supercar that fits in between the "entry-level" 570S sports car and the $1.15 million-dollar hypercar. Powered by a mid-engined 641 horsepower twin-turbocharged V8, allowing the 650S to accelerate to 60 mph in 2.8 seconds. The car also has a seven-speed dual-clutch automatic transmission that harnesses built up kinetic energy to provide an "inertia push" of additional torque when the next gear is selected. The 650s comes in both coupe and convertible configurations, and it can be optioned and personalized heavily with the help of the McLaren Special Operations team. 

If you want to drive the 650S on the road, you'll need to cough up $1,456 per month for insurance.

McLaren 650S

Aston Martin V12 Vanquish

Aston Martin Vanquish (Stephen Hennessey)

The Aston Martin V12 Vanquish isn't the fastest supercar around a track, nor is it decked out in carbon fiber, but that doesn't mean it's a slow car by any means. With a top speed of 204 mph and a 0-60 time of 3.6 seconds, the V12 Vanquish has some serious hustle. Aston Martin refers to the Vanquish as sporting performance in a "gentleman's suit." The Aston is about delivering an experience, and it does that well. The car is beautiful inside and out, and the V12 under the hood is the last of its kind. The V12 is deliciously old school, and it adds a lot of character to the car. 

The Aston Martin V12 Vanquish starts at a "reasonable" $189,120, and the monthly insurance premiums will put you back $788 a month.

Lamborghini Aventador

Lamborghini Aventador

Lamborghinis are all about pomp and circumstance, and the range topping Aventador delivers it in droves. The heart of the Aventador is a mid-engine 6.5L V12 that sends 691 horsepower to all four wheels through a seven-speed automated manual transmission. Fire spits out of the exhaust, and the car starts via a button that's hidden under a red cover, like the missile launch button on a fighter jet's joystick. The Aventador is a pure supercar, designed to make you feel like a 12-year-old again, and it accomplishes that task with ease. 

The Lamborghini Aventador costs much more than the average house at $402,000, but to insure it, you'll be paying $1,675 a month.

Lamborghini Aventador

Porsche 911 Turbo S

Porsche 911 Turbo S

The Porsche 911 Turbo S is the ultimate sports car, and while it may not have the charisma of a supercar like the Aventador, it certainly has the speed of one. The 911 Turbo S gets to 60 mph in 2.5 seconds, which is faster than you can read this sentence. The dual-clutch PDK gearbox can shift faster than you can blink. It also has a luxurious interior and a rear seat you can put your kids in to drop them off at school. The 911 Turbo S is remarkably refined and is probably the best car to choose if you could choose only one car with no consideration to budget. 

The Porsche 911 Turbo S has a base price of $182,700, and like most Porsches, the options list can make that price inflate quite a bit. The 911 Turbo S insurance cost per month is $761. 

Porsche 911 Turbo S

Photocredits: Ben on Flickr, McLaren, Stephen Hennessey from Murrieta, CA, Lamborghini, Porsche

About the writer: Will Kinton thinks life is too short to drive boring cars, and enjoys sharing his passion for them. For more, follow him on Twitter: @willkinton2

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