Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

McLaren 650S car insurance rates

Covering this swank British supercar is an investment in protection.

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. Filter car insurance companies by your state to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

Compare up to 4 providers

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

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

ModelMonthly insurance rateBase car price

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?

The Mclaren 650S costs more to insure because it’s a premium supercar built for speed and is considered high-risk. Also, this vehicle requires academy-trained technicians and premium parts, hiking up the costs to repair.

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

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site