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Ferrari FF car insurance rates

What to expect to cover this when insuring this grand tourer.

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Sarah George
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The Ferrari FF offers a long maintenance plan and tends to need minimal repair. But that doesn't affect the insurance rate much — you'll find average insurance costs at about $935 monthly or $11,220 annually. That cost is nearly $9,800 above the annual national average of $1,426. Filter car insurance companies by your state to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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Root
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
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Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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How much does Ferrari FF car insurance cost?

ModelMonthly insurance rateBase 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

How do I compare insurance for the Ferrari FF?

This car features an extensive maintenance plan, long-lasting parts and roomy interior that can fit a small family. These factors could help to reduce your premium. Still, its Ferrari stamp and high price tag does make it a high-cost car to insure.

  • Body type.The FF is an interesting mix of a luxury coupe with a roomier wagon body style.
  • Fuel.This car gets low fuel economy, rated at 13 mpg for city and highway combined.
  • Maintenance.Maintenance costs can be expensive on an Italian luxury vehicle. However, car owners on review sites and forums boast its long-lasting parts and few repairs.
  • Theft.The FF’s low theft rates could score positive points with insurance companies.
  • Coverage.You may want to consider additional insurance options that protect you widely from costly repairs. For example, luxury car insurance provides higher limits and often uses agreed value for claims. In addition, comprehensive, uninsured/underinsured motorist and loan or lease gap insurance could go a long way in an accident.
  • Insurer options.Geico won’t offer car insurance on Ferrari models. However, most other insurance companies do.
  • Warranty.Ferrari offers a three-year, unlimited mileage warranty and extensive, seven-year maintenance plan to cover all your basic needs.

Why is insurance so expensive for the Ferrari FF?

The Ferrari FF costs more to insure because it’s a four wheel drive, meaning its V12 engine shoots torque to all four tires making it fast, powerful and high-risk for insurers. Also, its luxurious interior and exterior parts make it high dollar to repair.

Does the Ferrari FF qualify for discounts?

You could receive discounts on the FF’s high insurance premium with these safety features.

  • Anti-theft system
  • Airbags
  • Anti-lock brakes
  • Electronic stability control
  • Parking sensors
  • Backup camera

Why is insurance so high for the Ferrari FF?

The Ferrari FF may have a roomy interior that’s family friendly. However, its insurance rates don’t match up with other typical family cars for several reasons:

  • High MSRP. This car’s ticket price is set far above a family sedan or minivan. Starting around $300,000, the car will cost your insurance company more to repair or replace.
  • Higher coverage. The tradeoff for insuring a luxury car with higher coverage is a higher rate.
  • Powerful engine. The FF comes with a whopping 651 horsepower, making it a tempting high-speed ride. The engine’s power may pose a risk in the eyes of your insurance company.
  • Specialized repairs. This Italian sports car may need special imported parts or a Ferrari specialist for repair work. Both will raise the cost of repairs significantly.

How reliable is the Ferrari FF?

While the car has seen a few early recalls, FF owners do show satisfaction with its reliability.

  • Safety. The Ferrari FF doesn’t hold safety ratings with the IIHS or NHTSA. That fact may be due to most consumers choosing cars at a lower price point.
  • Reliability. Car owners from forums relate this car’s minimal repair needs, even after 15,000 to 20,000 miles.
  • Recalls. The FF has included a few recalls. Those involved incorrect installment of the front airbag and an airbag inflator that may explode upon deploying. These issues have not come up in the 2016 model.

Bottom line

The Ferrari FF includes several safety features, an extensive manufacturer maintenance plan, and minimal repair needs. Its roomier body helps luxury-seekers still use this as a family car.

While these factors could help reduce your insurance premium, the high Ferrari price tag does drive up the average cost.

Compare car insurance options for the FF or look at costs for another make or model.

Frequently asked questions about the Ferrari FF

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