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The most expensive” list's cars (the full top-20 list, not the top-10 listed above) had an average of 9.8 cylinders (thanks to the eight V12s and two V10s) and an average annual insurance premium of $2,713.06. Driving up the insurance premiums of these cars is not only their high horsepower numbers, but also six-figure pricetags that make replacement of a total loss extremely expensive.