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The LaFerrari is a limited-production hybrid hypercar that bests all other Ferraris in performance. Ferrari built only 499 LaFerraris, with another 200 built under the open-top Aperta version, each one costing well over $1 million. Built as a successor to the Ferrari Enzo, the LaFerrari rivals the highest-performing hypercars on the market. The Ferrari LaFerrari is a hybrid hypercar with sky-high insurance rates. The average insurance cost for the LaFerrari is around $1,926 a month, or $23,112 a year. Your final premium could be even higher if you opt for an agreed-value policy that will insure your LaFerrari for its full worth. Filter car insurance companies by your state to get a quote.
Insurance rates are calculated differently for luxury supercars like the LaFerrari, but are generally based on the following factors.
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The LaFerrari is a top-performing supercar that is built to reach top speeds with maximum acceleration. While these high-performance luxury cars aren’t usually driven for your daily commute, they require high-expense repairs and are irreplaceable as a limited-production vehicle. This means that any loss is likely to cost the insurance company a lot of money.
Additionally, these cars tend to appreciate in value over time, which means only a specialty insurance policy can properly cover it.
Because you’ll need to buy a specialty insurance policy for this luxury vehicle, you may not be able to get the standard vehicle discounts. But if your insurance company does offer vehicle discounts, you can expect the LaFerrari to qualify based on these features:
The LaFerrari is a hypercar built for speed and performance rather than safety and reliability. With only 499 ever built, it’s also never been officially tested for safety and reliability.
The LaFerrari lives up to its name and so far is the definitive Ferrari made by the Italian carmaker. Its powerful hybrid engine allows it to reach speeds of well over 200 mph in seconds and its price tag means your regular insurance company won’t touch the LaFerrari.
If the LaFerrari’s too rich for your blood, compare other car models and their insurance costs.
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