According to the AA, the average car now costs north of £1,000 a year to insure. It’s partly thanks to the rising cost of whiplash claims, as well as the fact that cars are generally getting more expensive to repair and replace. Recently, a popular car insurance comparison website was asked to provide insurance quotes by the Telegraph to see just how much some of the cars on our roads cost to insure. They pretended to be a 35-year-old man, working as a manager, living in Cardiff without any motoring convictions and with full no-claims entitlement. You won’t believe what they found. Mercedes-Benz ML 63 AMG There’s no doubting that the ML 63 from AMG is a nice car, but it’s not exactly a supercar.  The most recent 2016 model comes with AMG’s twin-turbo 5.5-litre V8 engine, which has more cubic capacity than any other performance SUV on the market. There’s also an optional performance pack, available for £6165. Bearing in mind that our 35-year-old driver is in many ways a model candidate for insurance and commands the lowest premiums possible, he still has to pay out more than £981 in insurance costs from the cheapest insurance provider. Volkswagen Phaeton W12 450 Motion LWB Granted, the Phaeton isn’t a car that you see every day, but it isn’t exactly a supercar either. It’s got a 6.0-litre twin V6 diesel engine and can output more than 444 bhp, making it fast, but the body work is a little, well, lacklustre to say the least. Nevertheless, it’s become a car popular with some executives, thanks mainly to its ridiculously long wheelbase. But what about insurance costs. It turns out that the cheapest you can get this car insured today is around the £1,018 mark – that’s if you’ve done everything right, and you’re the right age. Deviate from these ideal conditions at all and the price will start going up rapidly. Nissan GT-R The Nissan GT-R is one of the Japanese carmaker’s standout cars and has been for a very long time. What’s so great about the GT-R is the fact that drivers get supercar performance from something that costs a fraction of the price. The car will do between 16 and 23 mpg, goes from 0 to 60 mph in 2.9 seconds, has over 600 bhp and can reach a top speed of 191 mph. Suffice to say that this is no ordinary car.  There’s no ordinary price tag on the insurance premiums either. The cheapest quote, from Admiral, to insure the vehicle for a year was £1,645, perhaps because it has an uncanny ability to attract boy racers. Porsche 911 GT3 The 911 GT3 is fast, going from 0 to 60 in 3.4 seconds and reaching a top speed of 200 mph. But its rapidity isn’t the only eye-watering feature of the car. According to the Telegraph, insuring one of these puppies costs more than £1,896 per year. That’s enough to bankrupt most of us.