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Lamborghini insurance cost

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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 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 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:

  • 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.

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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 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.

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

How did you get these rates?

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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