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Cheapest Luxury Vehicles to Insure, According to Mercury Insurance

By the Mercury Team

A rebound in the economy after 2020 saw an increase in all aspects of consumer spending, including the automotive industry where the demand for luxury vehicles is at an all-time high. While sales of automobiles priced under forty thousand dollars saw a decline, sales of those priced at seventy thousand dollars or more saw a significant growth1.

“For some drivers, owning a vehicle is a passion and not just a necessity,” said Chong Gao, Mercury Insurance Director of Product Management R&D. “Luxury vehicles offer greater performance and top-notch engineering, which can result in higher insurance costs.”

Not only do luxury cars provide high-end comfort and performance capabilities, they are also equipped with lavish interiors and top of the line technology and safety features.

Infiniti Q50 affordable luxury vehicle

Mercury’s research and development team examined 2021 model year (MY) luxury sedans and SUVs that are available at car dealerships today and compiled a top-ten list for new luxury cars, beginning with the most affordable make and model to insure.

  1. Mercedes A220/A250
  2. Audi A3/S3
  3. Acura ILX
  4. Acura TLX
  5. Lexus IS/ES
  6. BMW i3
  7. Infiniti Q50/Q60
  8. BMW 330/M340
  9. Audi S4
  10. Mercedes CLA/250/C300

Luxury automakers also saw significant growth in SUV sales with many consumers preferring the performance, amenities and upgrades luxury SUV’s offer as opposed to their sedan counterparts.

Here is the top-ten list for new luxury SUVs, beginning with the most affordable make and model to insure.

  1. Lincoln Nautilus
  2.  Acura RDX
  3. Acura MDX
  4. Mercedes GLC300
  5. Infiniti QX50/QX60
  6. Lexus NX/RX
  7. Lexus UX
  8. BMW X5
  9. Infiniti QX80
  10. Cadillac XT5

Mercury offers affordable car insurance without sacrificing quality support and service. Visit to see more of Mercury’s most affordable vehicle lists.



Mercury Team

The Mercury Marketing Team is made up of professionals in the fields of Content Creation, Public Relations and Social Media. The team works together to deliver professionally written and researched content to provide information for consumers.

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