How Much Does Lamborghini Auto Insurance Cost?

Lamborghini auto insurance rates can start as high as $500 per month, but your driving record and where you live will ultimately determine your Lamborghini auto insurance costs. Lamborghini auto insurance quotes are often more expensive because it is a high-end vehicle and many insurance companies do not offer coverage for high-end vehicles. Enter your ZIP code below to find affordable Lamborghini auto insurance coverage.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Sep 9, 2020

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Do you want to drive a Lamborghini? If you want to legally drive a luxury car like a Lamborghini, then you need to buy insurance. Considering the price of any Lamborghini model, it’s important to know how to compare auto insurance quotes to get the best plan for you.

How much does Lamborghini auto insurance cost? Today, we’re answering all your questions about Lambo insurance. Enter your ZIP code above to get a FREE insurance quote.

Insurance Costs for a Lamborghini Start at Around $500 Per Month

Many people are surprised to find that luxury cars don’t necessarily come with astronomical insurance rates. Yes, you’re going to pay more to insure a Lamborghini than you would to insure an ordinary vehicle. However, premiums aren’t as exorbitant as you may think.

The costs of insuring a Lamborghini start at around $500 to $600 per month, assuming you’re driving a Lamborghini Aventador with a base price of around $200,000.

Your annual premiums should range from $6000 to $7200.

Of course, Lamborghini car insurance quotes vary widely depending on your demographic information. Some drivers report receiving quotes for $20,000 to $30,000, even with a clean driving record.

Others claim they received Lamborghini car insurance quotes as low as $2,000 per year.

As you can see, rates swing wildly for Lamborghini insurance. Generally, you can spend anywhere from $6,000 to $30,000 per year to insure a Lamborghini.

All prices above assume you’re buying full coverage car insurance, which includes liability insurance, collision coverage, and comprehensive coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Lamborghini Auto Insurance Companies

Who will insure a Lamborghini?

There is a “catch” with these insurance premiums. Not all insurance companies insure luxury high-end cars like a Lamborghini. You might have to work with a specialty insurer.

Allstate is one of the few major national insurance companies that offers Lamborghini insurance. the company offers luxury high-end vehicle insurance in all 50 states. Liberty Mutual also offers high-end vehicle insurance in all 50 states, while Esurance offers it in most states.

Among the major insurance companies, however, you may struggle to find a quote for your vehicle. GEICO, for example, does not typically offer insurance for high-end vehicles so finding Geico Lamborghini insurance will be difficult.

The reason some car insurance companies do not provide Lamborghini insurance is simple: the value of these cars is too high for any auto insurance policy to sufficiently cover.

It’s also important to note that most car insurance companies refuse to give out car insurance for Lamborghini drivers under age 25. The risk factor is far too high for any major car insurance company to insure.

How to Lower the Price of Lamborghini Car Insurance

Lamborghini car insurance prices vary widely. Looking online, you can find stories of drivers spending anywhere from $2,000 to $30,000 per year on Lamborghini car insurance.

Your premiums depend on a number of different factors, including your driving history, your history of claims, and your demographic details. It also depends largely on the value of your vehicle – an older, used Lamborghini will be cheaper to insure than a brand new Lamborghini.

Are Lamborghinis Safe?

Most vehicles on American roads are rated by the National Highway Traffic Safety Administration (NHTSA). The NHTSA, however, does not rate Lamborghinis.

Nevertheless, Lamborghinis have many of the safety features you would expect to see on an ordinary vehicle, including all of the following:

  • Driver and Passenger Front Airbags
  • Side Impact Airbags
  • Knee Airbags
  • Anti-Lock Brakes
  • Stability Control
  • Seatbelt Pretensioners

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Lamborghini Security Devices and Features

Lamborghinis also have many security features that you would not find on an ordinary vehicle. Because Lamborghinis are high-end luxury cars, they come equipped with some of the best security technology in the automotive industry, including:

  • Cryptographically-protected RFID Transponder
  • Two-way Authentication
  • Secret Programmable Key
  • Device Identification Features

If a key other than your key attempts to drive the vehicle, then your Lamborghini will disable itself. These security features make it difficult to steal a Lamborghini. In fact, Lamborghini car theft is virtually non-existent.

All of the safety and security features listed above help reduce the cost of Lamborghini insurance. They reduce the chance that your car will be stolen while also protecting you and any passengers inside your vehicle.

Many U.S. Insurance Companies Refuse to Give Out Lamborghini Insurance Quotes

One of the problems with researching Lamborghini car insurance quotes online is that many U.S. car insurance companies refuse to give out Lamborghini car insurance quotes online.

Getting a Lamborghini car insurance quote isn’t like getting an ordinary car insurance quote. Many insurance companies require you to input a driver’s license number before they give you a quote, for example.

The reason is simple: Lamborghini insurance is unique, highly-specialized insurance for a rare few drivers. Rates can swing wildly depending on your age, driving history, and other information. Some sources online claim the average cost of Lamborghini car insurance is $500 to $600 per month, while others claim insurance can cost as much as $1,000 to $3,000 per month.


Most people who can afford to spend $200,000 on a Lamborghini can also afford to spend $6,000 to $30,000 per year on Lamborghini insurance. Yes, a high-end luxury car is more expensive to insure than an ordinary car – but Lamborghini insurance prices aren’t as exorbitant as some drivers think.

Type your ZIP code below to get a FREE insurance quote today.

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