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Insuring a Lamborghini is going to be pricey no matter how you slice it, but there are ways to keep the cost at its lowest. We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Lamborghini can range from $540.58 to $1,216.70 — or, between $6,480 and $14,592 annually.
However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Allstate | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2021 Lamborghini Aventador | – | $748.56 | 1,269.03 | $1,632.52 | $1,216.70 |
| 2021 Lamborghini Huracan | $827 | $579.28 | – | $1,648.32 | $1,018.20 |
| 2021 Lamborghini Urus | $641.00 | $471.57 | 547.85 | $501.90 | $540.58 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details such as your zip, location, job type, annual mileage and more.
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Lamborghinis are not only expensive to purchase, they are also expensive to insure. Their big price tag means they are also costly to repair or replace, which increases the cost of insurance.
And since these cars are so high-end, Lamborghini owners will likely choose more than the minimum liability coverage — which will also increase insurance costs. You’ll also see sky-high rates if you have any other risk factors, such as being less than 25 years old or living in a busy city.
Because Lamborghinis are among the most expensive cars to insure, many standard insurers won’t cover a Lamborghini. You might need to find a specialty insurer of exotic vehicles and sports cars. This type of coverage is sometimes called luxury auto insurance or collectors car insurance.
With collectors car insurance, you can get higher maximums to cover the whole cost of the car, and you’ll often enjoy other benefits like agreed value coverage, original manufacturer replacement parts and more.
Some might argue that any Lamborghini model is a standout model. But the One-Off models are the most exclusive, limited editions, only available to a select number of clients.
Lamborghini states that “One-Off models express the highest Lamborghini spirit in every respect.” The current lineup of One-Off models includes the Centenario Roadster, the Centenario and the Veneno Roadster.
Need help considering some other car manufacturers like Lamborghini? Compare all car makes
A Lamborghini is expensive to insure, but we’re guessing that if you can handle the high purchase price of one of these speedsters, you can handle the cost of insurance. But be sure to shop around to find the best car insurance for you.
How did you get these rates?
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
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