Toys of the ultra rich: what they cost

Purchase price: $380,000
Yearly operating costs: $70,000 or higher

Just parking an exotic automobile at a garage in midtown Manhattan will cost north of $8,000 a year -- more than most Americans spend on actual car payments.

Then there's insurance, which on this $380,000 Rolls Royce Phantom will run around $8,400 a year, according to Hagerty Insurance.

Check out the Maserati Gran Turismo

Don't forget maintenance and repairs. "If you go over a curb, you can bust a $1,500 rim in a heartbeat," said Thomas DuPont, chairman and publisher of the luxury products magazine the DuPont Registry.

A driver will run another $55,000 to $60,000 a year, plus benefits and overtime, said Robin Kellner, who runs her own luxury staffing agency.

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