McLaren 650S car insurance rates

Covering this swank British supercar is an investment in protection.

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McLaren 650S Image: Supplied

The McLaren 650S is a true luxury sports car — fast, cool and expensive to insure. It’s got an MSRP of $273,000 with an average monthly insurance payment of around $1,040. But keep in mind that your exact rate will depend on several factors, including your driving history and location.

Compare insurance for your McLaren 650S

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

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How do I compare insurance for the McLaren 650S?

The McLaren 650S claims to be “the world’s most versatile supercar,” designed to be lightweight and fast. Here are some points to keep in mind while shopping for insurance.

  • Body type. Though it’s a coupe, it’s considered a sports coupe and therefore more expensive to cover. Its convertible model — the 650S Spider — will likely cost more.
  • Fuel. The 650S is gasoline powered, with a 16 mpg city rating and a 22 mpg highway rating. This is about average compared to other coupes.
  • Maintenance. Repairs can be pricey and inconvenient, as they call for specific parts only available at McLaren Retailers, and handled by academy-trained technicians.
  • Coverage. Typical insurance doesn’t typically provide enough coverage for McLarens. Look to luxury providers to get full coverage.
  • Warranty. McLaren’s limited warranty covers 3 years, unlimited miles and includes roadside assistance so you won’t need to purchase that as part of a separate policy. Plus, there’s an option to purchase a 12-year Extended Service Contract if you live in Australia or North America.
  • Drive type. This car has rear-wheel drive and a seven-speed manual transmission. Manuals are typically cheaper than automatics to insure due to a less expensive gearbox.
  • Primary or secondary vehicle. Consider if the 650S will be your main car or if it’s joining a collection. Sometimes, insurance companies will lower rates on a second car since you’ll be driving it less.

McLaren 650S car insurance rates

Model Monthly insurance rate Base car price
570S $583 $191,100
650S $1,040 $349,500
720S $254 $285,000

Does the McLaren 650S qualify for discounts?

The McLaren 650S is equipped with a few safety features that could qualify for safe car discounts and antitheft discounts:

  • Remote anti-theft alarm system
  • 2 front headrests
  • 4-wheel ABS
  • Turn signal mirrors
  • LED Headlamp
  • Daytime running lights
  • Engine immobilizer
  • Traction control
  • Stability control

Why is insurance so high for the McLaren 650S?

Sports cars tend to be more expensive to insure because they’re made to drive fast. The 650S can accelerate from zero to 60 mph in just 10 seconds and is capable of going nearly 210 mph. Its speed and price pose an enormous risk to insurers if they have to cover costs after an accident.

How reliable is the McLaren 650S?

McLarens aren’t typically targeted by thieves. And the company has a reputation for selling vehicles with superior engineering and specialty design.

  • Safety. The 650S isn’t rated by the IIHS or NHTSA since only 500 of them have ever been released.
  • Reliability. These cars were built with precision and quality. Have confidence that your 650S’s can take you from point A to point B quickly.
  • Recalls. McLaren’s a relatively young company, so its recall history is scant. In the last couple of years, some of its models have been recalled for faulty airbags, but the 650S has stayed in the clear so far.

Bottom line

If you’re in the market for a McLaren, factor high insurance costs into your budget and shop around for car insurance rates to make sure you’re getting the best deal.

Frequently asked questions about the McLaren 650S

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