Fast, expensive vehicles top the list of the 20 mostexpensive cars to insure for the 2014 model year, according to a new report from Insure.com. Drawn by theluxurious accommodations and high speeds, wealthy clients oftenpurchase these types of vehicles without considering how they areoften tricky to drive and very expensive to insure, Edmunds.comEditor Mark Takahashi tells Insure.com.

Insure.com worked with Quadrant Information Services tofind the average auto insurance rates for 2014 model vehicles usingdata from Allstate, Farmers, GEICO, Nationwide, Progressive, andState Farm. Averages are based on full coverage for a single40-year-old male with a clean record and good credit who commutes12 miles to work each day, with policy limits of 100/300/50 and a$500 deductible on collision and comprehensive coverage.

Of over 850 ranked vehicles, Insure.com revealed the top 20 mostexpensive models to insure (see chart). High-end vehicles from BMW,Mercedes-Benz, Audi, Porsche, and Jaguar appear on the listmultiple times. However, the number one most expensive car toinsure is from Nissan, who only appears on the top 20 listonce.

The Nissan GT-R Track Edition is nicknamed “Godzilla” for itsover-the-top features, including all-wheel-drive, twinturbochargers that help its V-6 engine develop 545 horsepower, anda trick dual-clutch automated manual transmission. The $115,000car, which was designed for drivers who may be interested in takingit for a spin on a racetrack every now and then, has an averageannual insurance premium of $3,169.

And while many vehicles on the list like the GT-R come equippedwith a lot of driving aids such as electronic stability control andtraction control, an overconfident driver may turn off thesefeatures and cause a lot of problems, Takahasi tells Insure.com.These cars are very fast, “and performance cars on the whole aredesigned to be a little twitchy and very responsive.”

Aside from causing more accidents, Insure.com notes thathigh-performance vehicles can also be expensive to repair, if theycan be repaired at all. For example, carbon fiber is often used insome of the cars' exotic body panels. The material is designed toshatter on impact, and can only be replaced, not repaired,Takahashi tells the site. “Even a minor accident could easily costtens of thousands to repair,” Ron Henderson, a GT-R owner, tellsInsure.com.

“(These cars) are for wealthy people who like to go fast,” saysTakahashi. This gets drivers into trouble very quickly, puttingthese vehicles at the top of the most expensive cars to insure.