How much does Lamborghini auto insurance cost?

Lamborghini auto insurance cost is a factor to consider when deciding if you'd like to purchase a Lambo. They're expensive cars, and high-end vehicles are generally more costly to insure. Some insurance companies might not even offer insurance on a Lamborghini. But for those that do, luxury insurance costs can start around $500 per month, but how much you'll pay for insurance will ultimately be determined by things like your driving record, your age, where you live, and other factors.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

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What You Should Know

  • Lamborghini auto insurance rates vary widely depending on a number of factors
  • Average full coverage rates for the vehicle vary between $6,000 and $30,000 per year
  • Collector’s auto insurance may save drivers up to 40 percent on coverage if certain requirements are meant

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

But how much is the Lamborghini cost of insurance? Keep reading to answer all your questions about Lambo insurance, and enter your ZIP code in the tool on this page to get free Lamborghini auto insurance quotes.

Why are Lamborghinis so expensive to insure?

Insurance on this vehicle will cost more than insurance on a standard vehicle. This is because Lamborghinis are considered luxury vehicles. And traditional insurance methods may not even apply. However, 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 luxury vehicle than you would insure an ordinary vehicle. However, premiums aren’t as exorbitant as you may think. Is it possible to find affordable auto insurance? Keep reading for more.

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So how much is the average cost to insure a Lamborghini?

Lamborghini cost of auto insurance start at around $500 to $600 per month, assuming you’re driving an Aventador with a base price of around $200,000. More expensive models will have higher rates.

Your annual rates should range from $6,000 to $7,200.

Of course, 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 rates prices as low as $2,000 per year.

As you can see, costs can swing wildly depending on a range of factors, including vehicle model and options. For example, if you are looking to insure a Huracan, rather than Aventador, monthly rates can average around $400.

Generally, you can spend anywhere from $6,000 to $30,000 per year to insure one.

Pricing can depend on manufacturers options such as whether your vehicle is the convertible version and the specifics in a wide range of customization options.

All the prices we’ve discussed so far assume you’re buying full coverage auto insurance, which includes liability insurance, collision coverage, and comprehensive coverage.

For comparison, here’s each state’s average annual full coverage auto insurance cost.

U. S. Average Annual Full Coverage Auto Insurance Rates by State
StatesAverage Annual Full Coverage Rates
Mississippi$994.05
California$986.75
Colorado$981.64
South Carolina$973.10
Arizona$972.85
Pennsylvania$970.51
Washington$968.80
Kentucky$938.51
New Mexico$937.59
Arkansas$906.34
Oregon$904.83
Illinois$884.56
Minnesota$875.49
Hawaii$873.28
Utah$872.93
Missouri$872.43
Tennessee$871.43
Alabama$868.48
Montana$863.52
Kansas$862.93
Wyoming$847.44
Virginia$842.67
Nebraska$831.02
New Hampshire$818.75
North Carolina$789.09
Ohio$788.56
North Dakota$773.30
South Dakota$766.91
Vermont$764.02
Indiana$755.03
Wisconsin$737.18
Maine$703.82
Iowa$702.46
Idaho$679.89
Louisiana$1,405.36
New Jersey$1,382.79
Michigan$1,364.00
New York$1,360.66
District of Columbia$1,330.73
Rhode Island$1,303.50
Florida$1,257.13
Delaware$1,240.57
Connecticut$1,151.07
Massachusetts$1,129.29
Maryland$1,116.45
Texas$1,109.66
Nevada$1,103.05
Georgia$1,048.40
Alaska$1,027.75
West Virginia$1,025.78
Oklahoma$1,005.32
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As you can see, average rates are significantly lower than luxury vehicle rates like those we described earlier for Lamborghini owners.

How do you obtain Lamborghini auto insurance?

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

Allstate is one of the few major auto insurance companies that offer 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. For example, GEICO does not typically offer insurance for high-end vehicles, so finding GEICO insurance will be difficult.

The reason some auto 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 auto insurance companies refuse to give out insurance for Lamborghini drivers under age 25. The risk factor is far too high for any major insurance company to insure, as it is assumed that young drivers are more likely to speed and engage in risky behaviors with such a vehicle.

How do I lower the price of my Lamborghini auto insurance?

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

Your premiums depend on several different factors, including your driving history, claims history, and demographic details.

It also depends largely on the value of your vehicle an older used vehicle will have cheap insurance options than a brand new car.

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What about collector auto insurance?

Another way Lamborghini owners may be able to save on insurance is to purchase collectible car auto insurance coverage, rather than a more standard policy. This coverage type is based on a defined value for your vehicle, which can mean up to a 40 percent reduction in rates over a standard policy.

However, there are some caveats, including that your Lambo will need to be a secondary rather than primary vehicle and that you keep it well-maintained. This coverage is also typically offered through specialty insurance companies.

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

Read on to learn more about Lamborghini security features and more, which may result in savings on your coverage.

What are Lamborghini security devices and features?

Lamborghinis have many security features you may 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 yours attempts to drive the vehicle, 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 the safety and security features we’ve discussed help reduce the cost of auto insurance for a Lamborghini. They reduce the chance that your car will be stolen while also protecting you and any passengers inside your vehicle.

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Why can’t I find Lamborghini insurance quotes online?

Have you searched online for Lamborghini auto insurance quotes but are still asking how much is the Lamborghini cost of insurance.

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

Getting a Lamborghini auto insurance quote isn’t like getting an ordinary auto 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. Learn more about how age affects auto insurance rates.

Some sources online claim the average cost of Lamborghini insurance is $500 to $600 per month, while others claim insurance can cost as much as $1,000 to $3,000 per month.

However, 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.

Lamborghini Auto Insurance Cost: What’s the bottom line?

Annual insurance rates for a Lamborghini can range anywhere from $6,000 to $30,000, depending on various factors, including age, driving history, place of residence, type of insurance coverage, and vehicle model.

One way to save on coverage is to purchase collector auto insurance rather than standard full coverage. However, this is only an option under certain circumstances, and when you and the vehicle meet certain requirements.

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.

Ready to buy Lamborghini auto insurance? Compare affordable Lamborghini auto insurance rates for free by entering your ZIP code in our free tool.

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