The price tag on a new car is almost never final.
What you actually pay for a car can vary from the digits on the window by hundreds or thousands of dollars in either direction. It relies on your deal-making ability, maybe your credit score, and those pesky taxes and fees.
Then, of course, there are the long-term costs. Along with gas and upkeep, one of the priciest is car insurance. Between 2010 and 2016, insurance premiums increased by 33% in the U.S., according to USA Today.
The financial shield for you, your passengers, and your car can cost more than $1,000 annually. It all depends on a number of factors—including where you live, your accident and ticket history, your gender, and your age.
One of the most crucial factors is what you drive. Some flashy sports cars—and the speeding tickets they attract—can cost a pretty penny to insure. Smart cars, which are more loaded with tech than any previous models, also command pricey premiums.
Late last month, financial website 24/7 Wall St. analyzed three years of Insurance Institute of Highway Safety (IIHS) crash data to determine which models are the most expensive to insure. Looking at payouts for damages reported by IIHS between 2014 and 2016, 24/7 compiled a list of those costly models. Most are mid-range-to-luxury four-door cars.
Here are the top 5.
5. Dodge Charger
Between 2014 and 2016, the Charger cost $1,385.61 to insure annually. Heralded by Car and Driver as “the last American four-door muscle car standing,” the Charger’s fault may reside in its very nature. It has a 5.7 liter V8 engine and a sporty look and lineage, meaning its drivers could be goaded into taking more chances behind the wheel.
4. Scion FR-S
This car technically doesn’t exist anymore after Toyota discontinued the Scion marque in 2016. Much like a soap opera character, though, the FR-S lives on under an alias in the form of the Toyota 86. At a cool $1,403.67 annually to insure, this quick little 2.0-liter coupe is a pain to rehabilitate. FR-S owners annually paid $752.70 for collision coverage alone, almost $200 more than Charger owners.
3. Mitsubishi Lancer
In a bit of irony, the third car on this list is the cheapest to buy. The Mitsubishi Lancer retails for $17,795—more than $7,000 less than the FR-S, which is the next closest. What owners saved on the sticker, though, they spent on insurance. Lancers cost $1,458.48 to insure yearly. The zippy compact is expensive to repair, making it decidedly unpopular with insurance agents.
2. Mercedes-Benz S-Class
Since 2014, the S-Class has been loaded with helpful and cool tech. That includes cameras that read the road ahead and adjust its suspension so you glide over bumps without really feeling them, as well as a number of self-driving functions. The tradeoff for all these cool gadgets—beyond the $89,900 you’ll pay for the car—is a vehicle that costs $1,540.63 a year to insure.
1. Tesla Model S
The Model S literally electrified the luxury car market when it hit showrooms in 2012. The sleek, sophisticated speedster is Tesla’s most-recognizable model and one of its least troubled. However, it’s complicated to insure. Despite the fact that various insurers offer discounts for eco-conscious vehicles, the Model S is made up of some very expensive, difficult-to-source parts, which drive up the cost of repairs. Annually, Model S owners pay $1,789.48 in premiums, with $1,310.40 of that going to collision insurance.