Lamborghini Insurance scaled
Riga, Latvia - April 12, 2019: Close-up of a luxury sports car Lamborghini Aventador rear element - image

How Much is Lamborghini Car Insurance?

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Many people dream of owning a Lamborghini due to their outstanding performance, high-quality materials and luxury features. However, owners of these vehicles usually face a hefty price tag and steep monthly rates for Lamborghini car insurance.

Our team ranked the best auto insurance companies to reveal which ones offer quality coverage for Lamborghinis at relatively reasonable rates. The easiest way to find competitive prices, though, is by comparing free quotes for car insurance from various providers at once.

It’s Tough To Find Lamborghini Car Insurance

One of the first things to know about Lamborghini car insurance is that you won’t be able to get it from all auto insurance companies. The reason is that many major insurers don’t offer coverage for exotic cars such as Lamborghinis.

The decision not to insure brands like Lamborghini is typically financial. Luxury cars are significantly more expensive overall than nonluxury cars, and they’re also pricier to repair. The potential payouts that auto insurance companies make for more expensive cars are larger, then.

Even with higher premiums, some insurers don’t want the hassle of dealing with such expensive cars. After all, Lamborghini models are usually some of the priciest vehicles on the market. Consider auto insurance for supercars if you’re needing to cover a vehicle by Lamborghini, Maserati or Ferrari.

What Insurers Cover Lamborghinis?

Lamborghini is an Italian automaker, but it’s actually owned by Volkswagen’s subsidiary of Audi. Motorists have a much more difficult time finding auto insurance coverage for Lamborghinis, though, as many leading insurers won’t cover these specific cars.

While drivers rarely have luck getting coverage from GEICO, Liberty Mutual or Progressive, the following companies will typically protect Lamborghinis:

  • Allstate
  • Farmers
  • State Farm
  • Specialty insurers like Hagerty

Reach out for multiple auto insurance quotes to figure out which companies offer Lamborghini car insurance at somewhat affordable prices.

Lamborghini Car Insurance is Expensive

As mentioned, your auto insurance company’s repair and replacement costs on a Lamborghini are far higher than for other brands. To compensate for this, car insurers charge premiums of somewhere between $5,000 and $10,000 per year for Lamborghini car insurance.

Why is Lamborghini Car Insurance So Expensive?

The price of replacements and repairs isn’t the only factor behind the high premiums for Lamborghini models. Car insurance companies also assume that it’s easier to drive recklessly or above the speed limit when you have a high-performance vehicle.

Another factor that increases rates is that almost every Lamborghini owner should carry full coverage auto insurance to protect such a valuable car. The greater the amount of coverage you carry, the more expensive your monthly premiums will cost.

If you’re leasing or financing a Lamborghini, you should also buy gap insurance in case your car gets totaled. You may also want to add an umbrella insurance policy, though it’s not considered necessary.

How Much Coverage Do I Need?

Nearly all motorists must carry minimum coverage car insurance to legally drive, and this is also true of those looking for Lamborghini car insurance. That typically means you’ll need bodily injury liability coverage and property damage liability insurance, and in some states uninsured motorist coverage is also necessary.

While the average cost of minimum coverage is often low, that’s not true of the most expensive cars on the market like Lamborghinis. Expect to pay a steep insurance price when getting even a basic Lamborghini insurance quote such as for minimum coverage. 

Additional options for Lamborghini car insurance include collision coverage and comprehensive coverage. Minimum liability insurance covers only damages to other vehicles after an accident you caused, so these two add-on coverages are critical for the protection of your Lamborghini.

Factors That Affect Lamborghini Car Insurance Rates

There’s a long list of factors that can affect rates for Lamborghini car insurance. To begin, each Lamborghini model comes at a different price point and carries its own auto insurance cost.

Car insurance premiums also hinge on the following factors:

  • The location where you live
  • Your driving record and claim history
  • Your current credit score
  • Your age and gender
  • Whether multiple vehicles are insured on the same car insurance policy
  • If car coverage is bundled with homeowners insurance or life insurance

As with nearly any insurance policy, you can lower your monthly premiums by increasing your deductible. Make sure you can afford to pay the deductible if necessary, though.

Lamborghini Car Insurance Rates Vary by Model

There’s more than one Lamborghini model on the market, and each comes at a different cost. Note that roadsters and coupes may have varying auto insurance premiums as well. Below are the automaker’s current models:

  • Lamborghini Aventador
  • Lamborghini Huracan
  • Lamborghini Urus

You’ll typically pay a higher Lamborghini insurance cost for a new model versus for an older one like the Gallardo or the Murcielago. Still, the agreed value of any Lambo will all but guarantee an expensive rate when you go to buy car insurance.

Check for Auto Insurance Discounts

If you’re looking to save some money on Lamborghini car insurance, make sure to check whether you’re eligible for savings. Keep in mind that available discounts vary by provider.

The following are some savings that could potentially apply when insuring your Lamborghini:

  • Safe driver discount
  • Multi-policy discount
  • Multi-car discount
  • Vehicle safety features discount
  • New car discount
  • Low mileage discount
  • Defensive driving course discount

Check with potential providers to see whether other discounts could be available when searching for Lamborghini car insurance.

Our Recommendations for Auto Insurance

We’d suggest State Farm and Allstate if you’re looking for relatively cheap auto insurance on a Lamborghini. Make sure to compare quotes from these companies and from specialty insurers such as Hagerty to find the best rate possible.

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State Farm: Best Customer Experience

State Farm is our Best Customer Experience pick for auto insurance due to its exemplary customer service and multiple discount opportunities. State Farm offers classic car coverage and sports car insurance for drivers who are searching for ways to protect their Lamborghinis.

Allstate: Best Usage-Based Insurance

Drivers who need Lamborghini car insurance can typically pick up classic car coverage from Allstate. The company is known to protect expensive models from Lamborghini, though its prices are often on the higher side.


How much does Lamborghini car insurance cost?

Lamborghini car insurance can be very expensive, often costing between $5,000 and $10,000 per year. The price depends on where you live, the value of your vehicle, your driving history and factors such as whether you’re a homeowner or if you opt to bundle policies.

How much is an oil change for a Lamborghini?

Having the oil changed in a Lamborghini can cost anywhere from $500 to $2,000. A standard  oil change costs around $50 for most vehicles, so it’s far pricier when you own a Lamborghini.

Do luxury cars cost more to insure?

Yes, the cost of insurance for luxury vehicles is almost always greater due to their higher values. Auto insurance companies charge higher monthly premiums to make sure that they’re able to cover potential repair and replacement costs for more expensive vehicles.