Get the cheapest quotes on your auto insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Ferrari 812 car insurance rates
What to expect when insuring your Ferrari 812
The 812’s average insurance rate is $1,188 per month, or $14,256 per year. That cost is about $12,800 above the national average of $1,426, a pricey rate even by Ferrari standards.
| Model | Monthly insurance rate | Base car Price |
|---|---|---|
| 488 GTB | $783 | $245,400 |
| 488 Spider | $868 | $272,700 |
| 812 | $1,188 | $335,275 |
| California T | $648 | $202,723 |
| F12 Berlinetta & TDF | $1,015 | $319,995 |
| FF | $935 | $295,000 |
| GTC4 Lusso | $953 | $300,000 |
Get the cheapest quotes for your Ferrari 812
Enter your zip code to compare providers in your area.
Your information is secure
How do I compare insurance for the Ferrari 812?
The 812 Superfast needs specialized parts for repair and may warrant extra coverage. However, all Ferraris come with a 7-year maintenance plan that will help you keep the car in top condition.
- Body type. The 812 Superfast is a luxury coupe built for speed, just like its name suggests.
- Fuel. The 812 gets typical fuel efficiency for a performance car, standing at 13 mpg combined city and highway. In other words, don’t expect it to score points on insurance as an economy vehicle.
- Maintenance. Maintenance and repair costs can be expensive due to specialized Italian parts. However, Ferrari covers a huge part of that cost in its standard 7-year maintenance plan.
- Coverage. You may want extra protection for your high-dollar supercar. Consider luxury car insurance, which often allows you to receive agreed value coverage and higher policy limits. Also, consider optional coverages like comprehensive, loan/lease gap insurance and uninsured/underinsured motorist.
- Insurer options. While most insurance companies will offer coverage for sports cars, Geico doesn’t provide it for Ferraris, for example.
- Warranty. As with all new Ferraris, the 812 Superfast comes with the standard 3-year, unlimited mileage warranty. You can also take advantage of their 7-year maintenance plan to keep your car in good running condition.
Why is insurance so expensive for the Ferrari 812?
The Ferrari 812 costs more to insure because it has one of the most powerful car engines on the market, it’s built for speed and performance making it high-risk for accidents. Also, this car has premium Italian parts that are high in price when in need of repair or replacement.
Does the Ferrari 812 qualify for discounts?
Due to this car’s need for speed, Ferrari has included several safety features. You may qualify for a safety discount with these:
- Anti-theft system
- Airbags
- Anti-lock brakes
- Electronic stability control
- Traction control
- Brake assist
- Automatic headlights
- Rain-sensing wipers
- Parking sensors
Why is insurance so high for the Ferrari 812?
The Superfast comes with an insurance rate that’s well above average. Several reasons for the increased rate include:
- High sale price. This luxury sports car costs top-dollar, ranging in the $300,000s. That means your insurance company will have to pay more for your reported claims.
- More coverage. Premium insurance coverage does mean a higher rate. However, the extra protection may be worth the investment.
- Higher limits. You may consider higher policy limits to fully protect your car. Like coverage, you’ll see a raised premium in exchange.
- Powerful engine. The Superfast can reach high speeds in no time. But its powerful engine results in more costly insurance.
- Specialized repairs. You may need imported parts or a Ferrari specialist to get repairs done, also spiking your insurance rate.
How reliable is the Ferrari 812?
The 812 is a fairly new model for Ferrari, succeeding the F12berlinetta. Its new addition to the market means you won’t find much information on safety and reliability yet.
The model has also not yet seen any recalls, unlike other Ferraris which tend to receive recalls in the first few years on the market.
- Safety. This car doesn’t include much safety data with top rating organizations.
- Reliability. While there isn’t much information about the 812’s reliability, Ferraris are known for their long-lasting value.
- Recalls. No recalls have currently been issued for this new Ferrari model.
Bottom line
Because the Ferrari 812 is built for speed and needs specialized parts for repair, your insurance rates will stay high. However, it hasn’t received any recalls, suggesting its reliability.
Compare car insurance providers for the 812 or look at another make or model.
Frequently asked questions about the Ferrari 812
More guides on Finder
-
Heacock Classic car insurance review October 2022
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
-
Acceptance car insurance review Oct 2022
Consider Acceptance if you’re a high-risk driver, but prepare for the possibility of a negative customer service experience.
-
GoAuto car insurance review October 2022
Pocket an option for SR-22 coverage, but you might be compromising on service.
-
Do states with strict driving laws have fewer car accidents?
You don’t want to get pulled over in these states, but driving is safer.
-
Compare the best bundling insurance companies for 2022
Your top choices for pairing the best savings, options and service when buying multiple insurance policies.
-
What is a combined single limit car insurance policy?
This type of limit applies to liability coverage, but it’s most common with commercial car insurance.
-
Compare jet ski insurance
Cruise with confidence knowing you could pay for any damage that happens while riding your jet ski.
-
Hagerty classic car insurance review October 2022
Hagerty sets the bar on wide classic car coverage with thousands of positive customer reviews to back it up.
-
Compare the best online car insurance companies
Compare the 5 best digital-focused car insurance companies.
-
New adapter reveals what’s wrong with your car — without a trip to the repair shop
Carly’s onboard diagnostic adapter tracks your car’s health, mileage and other useful data to help you save.
Ask an Expert