8. Audi A8 L 6.3 Quattro - $2,869
Going long for luxury has its price, with the Audi A8 L W12 Quattro costing $2,869 to insure for a year. The 6.3-liter W12 powerplant provides 500 hp and 463 lb-ft of torque with a starting price tag of $136,795. The luxurious long-wheelbase sedan gets 13 MPG in the city and 21 MPG on the highway with all-wheel-drive performance to boot.