There has been a 116% increase in car insurance shoppers for top luxury cars, while insurance shoppers for the most popular non-luxury cars has gone down 10% in the last 5 years:


 


The Zebra's post cites internal data showing a 116% surge in insurance shopping for luxury models like BMW X5 and Lexus RX from 2020 to 2025, versus a 10% decline for non-luxury vehicles such as Ford F-150 and Toyota Camry.

Analysis of 32 million rates reveals luxury car premiums rose 56% over the period, outpacing 41% increases for non-luxury, due to costly repairs from advanced tech and parts tariffs.

High-income buyers, per McKinsey surveys, are fueling market growth by absorbing hikes, potentially stabilizing the sector as average consumers face economic strain.

 

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