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Lamborghini car insurance rates

What to expect when insuring a Lamborghini, and the insurers that could cover you.

Lamborghinis are often cited as the height of indulgence in car form. If you’re looking to join the ranks of celebrities who drive these luxury Italian sports cars, read on to see how much it could cost to insure one.

Compare Lamborghini car insurance quotes

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What’s the average insurance cost for a Lamborghini?

A Lamborghini will of course set you back a small fortune, and covering it will be much the same story.

The insurance cost for a Lamborghini varies greatly depending on the model you select and your own circumstances. But we ran quotes using a specific profile in order to insure a Lamborghini Huracan, the best-selling model from the luxury marque in 2017, and found the average cost to be £7,850 a year or £600 a month. This is for fully comprehensive cover and no optional extras. Your actual cost could be more or less depending on the Lamborghini model you are purchasing, your driving record, the number of miles you drive in a year and the likelihood of it being stolen, among other factors.

Some of the other variables that affect the price of insurance include your age and your location, as well as the year, model and trim package of your Lamborghini.

A Lamborghini’s high price tag, as well as its appeal to thieves, tends to result in extremely pricey car insurance.

Companies that provide cover for Lamborghinis

Because Lamborghinis are among the most expensive cars to insure, you might need to find a specialty insurer of exotic vehicles and sports cars. This type of cover is sometimes called “classic” car insurance.

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
N/A
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Yes
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Yes
Yes
Young driver insurance
Optional
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy (T&Cs apply)
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Yes
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
N/A
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Optional
Personal accident cover up to £5000.
N/A
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
No
Cover up to £10,000 per accidentand £2,500 per person.
N/A
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
N/A
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
-
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance

Compare up to 4 providers

How a Lamborghini affects insurance costs

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 opt for more than just third party cover, which could also mean an increase to insurance costs.

The fact that it’s a sports car can also hikes insurance costs insurance companies make certain assumptions about the driving habits of sports car owners, based on industry data. It won’t help that criminals are more likely to take a shine to your Lamborghini, either.

Are there any standout models?

Some might argue that any Lamborghini model is a standout model. But the Few-Off models are the most exclusive, limited editions, only available to a select number of clients. Lamborghini states that “Few-Off models express the highest Lamborghini spirit in every respect.” The current lineup of Few-Off models includes the Centenario Roadster, the Centenario and the Veneno Roadster.

Pros and cons of a Lamborghini

Pros

  • Luxury sports car

Cons

  • Costly to repair and replace
  • High price tag, which is likely to result in higher premiums
  • Speciality car insurance may required
  • Some models may be more likely to be targeted by criminals

Lamborghini car facts

  • Lamborghinis are one of the most expensive vehicles to insure and you’re likely to need more than third party cover – higher levels of cover are third party fire and theft and comprehensive cover.
  • The price to insure your Lamborghini will vary greatly depending on the level of cover you want in your policy.
  • Not every insurance company offers speciality car insurance. Check out our list for high-end car insurance.

Bottom line

A Lamborghini is expensive to insure, but that’s no reason to overpay for your insurance. Shop around to find the best deal.

Other car brands you might want to see rates for include:

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