Ferrari 812 car insurance rates | finder.com

Ferrari 812 car insurance rates

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Ferrari 812 car insurance rates

What to expect when insuring your Ferrari 812

The 812 has a need for speed — a factor that often results in a higher insurance risk. However, the 812 Superfast has yet to see any recalls and includes a variety of safety features.

How much does Ferrari 812 car insurance cost?

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

Compare insurance providers that cover the Aston Martin DB11

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA

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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.

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

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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 here.

Frequently asked questions about the Ferrari 812

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Sarah George

Sarah George is a writer dedicated to unraveling complicated topics, including medical journalism, philosophy and finance. She loves breaking down the tough stuff into simple terms that everyone can understand. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.

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