By definition, luxury cars tend to be expensive to buy and therefore can be expensive to insure, so you may need to find a balance between luxury and affordability to find something suitable. If you want a luxury car with low running costs then an EV may be the best route - cars like the BMW iX, Audi Q4 e-tron and Genesis GV60 will cost very little to charge at home but offer luxurious cabins and space. However, if you want something with petrol or diesel options then we would suggest looking at the Skoda Superb, Lexus UX and Genesis GV70, all of which are available with a choice of efficient engine options.