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Lamborghini insurance cost

See Lamborghini insurance rates. Strike the perfect balance of coverage, service and value for you.

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We pulled Lamborghini 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. However, monthly costs vary by your car’s model and year.

The average cost of car insurance for a Lamborghini can range from around $541 to $1,217 a month. However, your actual costs depend on your driving history, car model and year, location and other factors.

Model YearAllstateGeicoState FarmFarmersAverage
2021 Lamborghini Aventador$748.561,269.03$1,632.52$1,216.70
2021 Lamborghini Huracan$827$579.28$1,648.32$1,018.20
2021 Lamborghini Urus$641.00$471.57547.85$501.90$540.58

How we got these rates

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 don’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:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your zip, location, job type, annual mileage and more.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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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Why are Lamborghinis so expensive to insure?

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 because this is such a high-end car, Lamborghini owners will likely chose more than just 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.

Lamborghini car facts

  • Lamborghinis are one of the most expensive vehicles to insure.
  • Ferruccio Lamborghini founded this Italian automotive company in 1963.
  • Throughout the decades, Lamborghini has traded hands many times, going from Chrysler to Mycom Setdco and VPower Corporation to Volkswagen, where it now resides.
  • Lamborghini has launched numerous models throughout the years, many of which are now collectables. Some fan favorites include the Miura, the Murcielago and the Countach.
  • Lamborghini Financial Services offers financing and leasing options, but they might not have the best rates compared to a bank auto loan for Lamborghinis.

Are there any standout Lamborghini models?

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.

Compare Lamborghini competitors

Need help considering some other car manufacturers like Lamborghini? Compare all car makes

Bottom line

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.

Frequently asked questions about Lamborghini

    To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

    • 2018 Lamborghini
    • 10,001–15,000 miles driven yearly
    • No accidents in the past five years
    • Anti-theft device on vehicle
    • Driver located in New York
    • Good credit

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