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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Lamborghini Urus is $540.58 — or $6,486.96 a year. However, some other Lambo models may cost less to insure depending on which safety features your vehicle has and which insurer you choose. And your actual costs will depend on your driving history, age, ZIP and other specific factors.

Model Year	Allstate	Geico	State Farm	Farmers	Average
2019 Lamborghini Urus	$556.00	417.93	$488.76	464.27	$481.7222224
2021 Lamborghini Urus	$641.00	$471.57	547.85	$501.90	$540.58

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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

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How do I compare car insurance for the Lamborghini Urus?

Your rate reflects your driving profile, as well as the insurer’s risk tolerance. Providers put their own emphasis on things like mileage and engine power.

For the Lamborghini Urus, the following factors affect your premium:

• Body type. The car is a five-door crossover SUV. It’s available in an all-wheel drive. With these specs, it’s usually less expensive to insure than a sportier Lamborghini, but more than the average sedan.
• Fuel. The Urus runs on premium gas and has a V8, 4.0L engine. You’ll pay a higher premium to insure the powerful engine.
• Theft rates. Generally, Lamborghini vehicles have low theft rates. Cars that are commonly targeted by thieves are more expensive to insure.
• Maintenance. Since the SUV is assembled in Italy, it may be expensive or difficult to replace its parts in the US. Lamborghini has a solid warranty program for repairs and maintenance issues, though.
• Coverage. The Urus is a luxury car, so it might be worth purchasing extra protection.
• Insurer options. For this high-performance car, your best bet is a specialty insurer.
• Warranty. Lamborghini covers the Urus with a three-year/50,000-mile basic warranty, or a three-year/unlimited mile powertrain warranty. This includes roadside assistance and corrosion services. To avoid doubling up on insurance coverage, check the details of your warranty.
• Manufacturer offer or unique discount. The manufacturer isn’t promoting any special offers or discounts at the moment.
• Engine size The Urus has a 4.0L, 8-cylinder engine. It’s twin turbo with 8-speed automatic transmission.
• Fuel The average fuel cost for the Urus is $3,550 a year. That number is based on current fuel prices, as well as a mix of highway and city driving over 15,000 annual miles. Every time you fill up the 19.8-gallon tank, it’ll cost you around $65. According to Fuel Economy, you can expect to pay $10,500 more in fuel costs over five years compared to the average new vehicle.

Does the Lamborghini Urus qualify for discounts?

It depends on your provider, but you can usually save between 5% and 30% for buying a new car and adding sophisticated safety features.

With the Lamborghini Urus, you might get access to these car insurance discounts:

• New car discount
• Antitheft discount
• Passive restraint discount

Why is insurance so expensive for the Lamborghini Urus?

The Lamborghini Urus has a high sticker price — and high insurance rates to match. As a foreign luxury car, it’s expensive to repair or replace, and that raises the cost of insurance. And since it’s a high-end car, most owners protect their asset by choosing more than the minimum liability coverage. The more coverage you add, the more you’ll pay for insurance.

If you’re under 25 years old or have a poor driving record working against you, insurers will most likely charge you an even higher rate.

How reliable is the Lamborghini Urus?

Before hitting the road, you want to know that the car is safe and reliable. While the Urus is outfitted out with a long list of safety features, its safety stats aren’t available yet.

• Safety. Like many luxury cars that have recently debuted in the US, the Urus hasn’t undergone crash testing by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS). However, Edmunds said the car has poor rear visibility. The Lamborghini Urus is equipped with the standard safety features, including antilock brakes, stability control, pretensioners, and front, side and overhead airbags. It also has sophisticated night vision sensors, a highway assistance camera, and a pre-crash front, which detects pedestrians and cyclists and reduces the car’s speed if a collision is likely
• Reliability. The Urus hasn’t been ranked by US News. However, newer Lamborghinis are known for being reliable in general. The Urus also uses an engine type featured in more established and reliable cars, such as the Audi Q7 and Bentley Bentayga.
• Recalls. To date, the Urus hasn’t had any recalls, and no consumer complaints have been recorded. Since it’s the first model of its kind, there aren’t any previous reviews to refer to, either.

Bottom line

The Urus is on the pricey side to insure, but that’s no surprise given it’s a luxury car. The SUV comes with a three-year warranty and a suite of safety features, but Lamborghini doesn’t offer loyalty discounts or cashback bonuses.

To drive down your rate, compare car insurance providers.