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Key Takeaways

  • Apart from being eligible for exotic car insurance, which is a major reason for the higher insurance premiums, other factors like age, location, driving history, and the make and model of the car also influence the premium rates.
  • One will have to pay anywhere between $10,000 and $30,000 annually to insure their Lamborghini.
  • There is an option for collector’s car insurance if your car meets the requirements for the same, which can bring down the premium rates significantly.

When one opts for a car that falls under the superluxury category, one is signing up for the ultimate driving experience. This fifty-nine-year-old Italian car manufacturer, synonymous with exotic sports and luxury vehicles, provides the most desirable supercars.

Any exotic car is considered a high-end investment. It is important to maintain your Lamborghini on and off the road. This includes staying prompt with the car insurance for your Lamborghini, which is higher than the traditional vehicles. The obvious reason behind this is the higher repair and replacement cost that the insurance company has to pay in case of any damage.

You can still insure your car at the cheapest rates with the best insurance companies exclusively for whichever model of Lamborghini you own.

The History of Lamborghini

Ferruccio Lamborghini, an Italian manufacturing entrepreneur, created the firm in 1963 with the goal of building a polished grand touring automobile to compete with established car brands such as Ferrari. The 350 GT that would reach 150 mph on the Autostrada del Sole — the famous Italian motorway which connects Milan with Naples — was one of the company’s first models, produced in the mid-1960s.  Though the company saw rapid growth in its first decade, it bogged down owing to the 1973 worldwide financial downturn and oil crisis. The company has seen bankruptcy and the change of ownership thrice during its timeline. Volkswagen Group currently owns Lamborghini through its subsidiary Audi.

V12-powered Aventador and the V10-powered Huracán, along with the Urus SUV powered by a twin-turbo V8 engine, are the lineups offered by Lamborghini currently. They have also announced their plans to make all models hybrid by 2024.

Lamborghini Statistics

The brand has been caught in the current “living it up storm,” marking a thirteen percent growth, selling 8405 cars in 2021 globally. It saw 14% growth in the USA alone, one of its major markets. Urus SUV is its best-selling model, followed by Huracan, selling 5021 and 2586 units respectively.

The United States is expected to generate the largest revenue for Lamborghini ($315.80 million) in 2022.

Types of Car Insurance for Lamborghini

Being the supercar it is, it might not be possible to insure your Lamborghini with a traditional insurance provider. However, knowing the different insurance one can opt for in their Lamborghini model is important. This is because insurance companies treat Lamborghinis under different tabs for the insurance typically meant for these types of cars.

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Sports Car Insurance

For a car to qualify for sports car insurance, it should fulfil the following criteria.

  • Two-passenger seat
  • Turbo-charged engine
  • Large motor greater than 350-cubic inches
  • Smaller than a sedan and weighing less than sedans or a larger model vehicle

Considering these, a Lamborghini doesn’t qualify for the financial protection offered by sports car insurance. Urus, Lamborghini’s most popular SUV, is a four-seater, while certain trims of Huracan feature motors less than 350-cubic inches.

Classic Car Insurance

Since this covers antique vehicles, Lamborghini models do not qualify for this insurance. The cars that become eligible for this insurance must show an increase in value with the increase in the age of the car.

  • Must be at least 20 years old
  • Less distance covered (2500 miles or less)
  • Not used for daily commute
  • Stored in a closed space
  • Must be a retired model for the manufacturer

A Lamborghini model like Espada from 1970 can qualify for the classic car discount.

Exotic and Luxury Car Insurance

Most Lamborghini models will qualify for exotic and luxury car insurance. Exotic car insurance is provided for those cars focusing on speed and performance, unlike luxury models focusing on quality and comfort.

This non-driving factor can categorize the insurance for your Lamborghini under the high-risk category. It can prove to be difficult to get it covered if you have a flawed driving record.

Why don’t insurance companies cover Lamborghinis?

Obtaining insurance for your ultra-luxury Lamborghini proves to be tricky due to the following reasons.

  • Cars of this make are expensive
  • They are a high-end investment
  • Repairs tend to be costly
  • The models are exotic in nature
  • If you are a high-risk driver
  • If your credit scores are low

Lamborghini Model Specifications

Model Vehicle Type Engine Details Performance Base Price
Lamborghini Urus Super sport Utility Vehicle 4.0 litre-V8 0-62 mph in 3.6 seconds $200,000
Lamborghini Huracan EVO Coupe Convertible 610 CV aspirated V10 0-62 mph in 3.2 seconds $242,000
Lamborghini Aventador Coupe Roadster 0-62 mph in 3.2 seconds 0-62 mph in 2.9 seconds $399,500

Average Cost of Lamborghini Car Insurance

Since Lamborghini models require more than liability insurance, the average insurance rate will be anywhere between $839 and $2500 per month. Thus, the annual insurance premium to be paid to insure a Lamborghini would be $10,000 to $30,000, based on the models.

Average Car Insurance Cost of Lamborghini by Models

Model Average Monthly Insurance Cost Average Cost of Insurance Premium
Lamborghini Urus $500 $6005
Lamborghini Gallardo $453 $5430
Lamborghini Murcielago $453 $5432
Lamborghini Huracan $556 $6671
Lamborghini Aventador $663 $7955

Insurance for Lamborghini Models vs. Honda Civic

The annual cost of auto insurance for a 2018 Honda Civic EX was $2,412, which is $5,506 less than the most expensive Lamborghini model.

Model Average Annual Insurance Premium
Honda Civic $2412
Lamborghini Gallardo $5430
Lamborghini Murcielago $5433
Lamborghini Huracan $6671
Lamborghini Aventador $7955

How to get Lamborghini Car Insurance

Even though finding the apt insurer, or rather an insurer that offers ample coverage for your Lamborghini, might not be a fast ride, there are a handful of insurance companies providing luxury car insurance. While some offer quotes online, some don’t. Here is a list of providers that cover your Lamborghini insurance.

Insurance Companies that provide Lamborghini Car Insurance

Company Availability of Online Quotes
AIG Private Client No
Allstate Yes
Chubb No
Erie Yes
Esurance Yes
Farmers Yes
Liberty Mutual No
Progressive No
State Farm  Yes

Collector Car Insurance for a Lamborghini

Since Lamborghinis too do not depreciate in value, one can opt for collector car insurance. The rates of collector car insurance are lower than standard insurance rates. This happens because the collector car insurance operates on an agreed value while standard insurance operates on cash value.

Collector vs. Standard Insurance Cost

Model Collector Insurance Cost Standard Insurance Cost
Aventador $6329 $8497
Huracan $3658 $7675
Murcielago $3289 $5967
Gallardo $2298 $6473

Why is Lamborghini auto insurance so expensive?

Insurance providers usually take into consideration the various driving and non-driving factors while calculating your insurance premium. When it comes to cars like Lamborghini, insurers consider a few other factors as well, making it a costly deal to insure the car.

The base models Lamborghini fall under the insurance category 20, which includes the mid-range premium that varies based on your driving record and your place of residence. However, the newer models can fall into the more expensive category; like in the case of the Lamborghini Aventador, the fastest model is group 50, the most expensive group.

Factors that Impact Car Insurance Rates for Lamborghinis

   ●   Cost of the Car

The primary reason for the increased price rate is the high cost of the car. The exotic nature of the car makes it costly to repair.

   ●   High Value

The value of the car, which doesn’t depreciate, is another reason making it expensive to insure. This makes it a target for theft and vandalism, increasing the risk involved, not only to own but also to insure.

   ●   Speed

Lamborghini models are supercars meant for racing or driving at greater speeds. There can always be a temptation to accelerate to the maximum speed, which can cause collisions.

   ●   Driving Record

Like in traditional vehicle insurance, carriers deliver better rates if you have a clean driving record with no previous claims.

   ●   Frequency of Driving

The more you drive, the greater are chances of collisions. Thus, the average distance one covers in their car can influence the insurance rates. In the case of Lamborghini, the chances are rare that one might use it for their daily commute; hence it can lower the premium rates tremendously.

How do I lower my Lamborghini auto insurance cost?

   ●   Maintaining a clean driving record

Having a claim-free driving record will have a positive influence on your insurance rates. When you own a high-risk car made by Lamborghini, it is important that you avoid speeding tickets and other violations.

   ●   Age

Younger drivers are categorized as high-risk drivers. This is a major reason for higher insurance premiums. If you want to own a Lamborghini at lower insurance costs, it is advisable to be over 25 years of age.

   ●   Model of your Lamborghini

The latest models will cost you more to insure. Opting for an older model can reduce the premium rates.

   ●   Reducing usage frequency

If you use your Lamborghini less, then the chances are less that you might be involved in an accident. This will reduce the premium rates.

   ●   Providing protection while parking

If one can give the protection of a closed space or a garage, then the safety of the car against theft and vandalism is increased, hence the lower premium rates.

   ●   Setting a higher deductible

Car insurance deductibles are inversely proportional to your insurance premium rates. The more deductible you pay, the lower will be your annual premium rates.

Lamborghini Car Insurance Discounts

   ●   Safe Driver Discounts

This is offered to those who have a clean driving record. Avoiding claims and violations makes you a safe driver, hence eligible for discounts.

   ●   Good Student and College Graduate Discounts

Student drivers with impressive academic records are eligible for this. Discounts are also given to those who have completed 4 years of college education after high school.

   ●   Safety Feature Discounts

The presence of safety features like anti-lock brakes, airbags, automatic seatbelts, and other anti-theft devices is the criteria for this discount. Every model of Lamborghini is eligible for this discount.

   ●   Bundle Discounts

Most companies provide discounts to the policyholders who bundle their car insurance with their home or life insurance. Multi-car discounts if you insure more than one car, and a multi-product discount if you are clubbing it with other insurances.

   ●   Defensive Driver Discount

If you have taken up a defensive driving course, then you can avail yourself of this discount.

   ●   Garaging Discounts

Though this can be specific to location and the provider, if you own a Lamborghini, there are higher chances that you are eligible for a discount as its value demands a safe and closed parking space.

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Coverage for Lamborghini

Though it can shoot the price of the insurance, it is safer to include full coverage in your policy along with the state-required minimum insurance cover. Here are the different coverage types that can be opted for a Lamborghini.


Do you need liability coverage for a Lamborghini?

Liability is the state-minimum requirement, hence mandatory in almost every state. The liability coverage for Lamborghini car insurance is noted below.

Coverage What it means for your Lamborghini
Bodily Injury Liability This will cover the damage associated with the injuries caused to a third party in an at-fault accident. It provides around $300,000 per accident.
Property Damage Liability The expense of the damage, up to $50,000, and the repair you are accountable for in an accident.
Uninsured and underinsured motorist coverage This proves to be useful in an accident involving an uninsured motorist where it can cover $300,000 per accident for his/her bodily injuries.

Do you need full coverage for a Lamborghini?

It is wise to invest in full coverage for your Lamborghini. This will make sure that you have the state-required liability coverage as well as collision and comprehensive coverage.

Coverage What it means for your Lamborghini
Comprehensive Coverage This covers the expenses of repair from accidents regardless of who is at fault. Any collisions while your car is in motion.
Collision Coverage This cover the expense of repair or replacement for damage caused by fire, weather, vandalism, or even theft.

Do you need umbrella coverage for a Lamborghini?

Umbrella coverage may not be mandatory, but it can save you from unexpected out-of-the-pocket settlements during an at-fault accident. These add coverage beyond the current limits.


Do you need GAP insurance for a Lamborghini?

GAP insurance is required if you are leasing your Lamborghini. This will cover the remaining lease payments if your Lamborghini is totaled in a collision. One can purchase it through a dealership or through companies that offer luxury GAP insurance.


Do I need collectible car insurance for my Lamborghini?

This can be taken if the model you own meets the requirements of the collector car insurance. It helps you save money on premiums as the rate is based on the value of the car. If you do not use your Lamborghini frequently, then you can opt for collector car insurance.


How safe are Lamborghini vehicles?

The crash test ratings from Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA for the models from Lamborghini are unavailable. However, this supercar is equipped with different safety features and security equipment, being one of the fastest cars available.

Lamborghini Safety Features

The common safety features hosted in a Lamborghini include:

   ●   Anti-lock Brakes

The anti-lock braking system makes sure your car doesn’t skid on slippery roads at high speed. The ABS also makes sure the car wheels don’t lock up when brakes are applied immediately.

   ●   Airbags

More than 6 airbags are present in most models of Lamborghini. It comes with a front dual-stage driver airbag, front adaptive passenger airbag, passenger and driver knee airbags, and side “head-thorax” airbags.

   ●   Seatbelt Pretensioners

These automatically tighten the seatbelts during a collision making sure that the passenger is appropriately seated during the incident.

   ●   Automatic Stability Control

This helps the driver automatically maintain control of the car during hard curves when it moves away from the intended path.

   ●   Security Systems

Being a high-end luxury vehicle, it comes with many unique security features mentioned below.

Lamborghini Security Devices and Features

  • Cryptographically-Protected RFID Transponder
  • Two-Way Authentication
  • Secret Programmable Key
  • Device Identification Features

How to get Lamborghini Insurance with

Though most insurance companies do not provide their quotes online, it is advisable to do your research before finalizing your insurance provider. Luxury and exotic car insurance can be reduced considering the different discounts and coverages the companies provide which suit your need. It can be time-consuming, but you’ll be rewarded with better coverage at a lower price. gives you a head start with the analysis of the best car insurance companies nationally, based on criteria that will surely influence your insurance coverage experience, financial strength, customer service, protection, and price.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently asked questions

Can I get Lamborghini insurance quotes online?

A few insurance companies like Erie, Esurance, and State Farm do provide their quotes online. Others require you to contact an agent to obtain a quote for your Lamborghini.

What is the best way to save money on Lamborghini car insurance?

Keeping a watch on the model, the age of the owner, along with maintaining a flawless driving record makes you eligible for lower premium rates.

How do I get Lamborghini car insurance?

Being an exotic car, there are only a few carriers providing the same. While some of them offer their quotes online, others require you to contact an agent. The final insurance rate is calculated after the various discounts you are eligible for.

Where can you buy Lamborghini car insurance?

Lamborghini car insurance is offered by companies like AIG Private Client, Chubb, Erie, Esurance, Farmers, State Farm, Liberty Mutual, and Progressive.

How much is insurance on a Lamborghini Aventador?

This flagship model of Lamborghini is about $556 per month and around $7000 annually.

How much is insurance on a Lamborghini Huracan?

Huracan is less powerful than Aventador, hence lesser the insurance rates. One can insure their Lamborghini Huracan at $446 per month or $5000 per year on an average.

How much is insurance on a Lamborghini Gallardo?

With its parts getting scarce, Gallardo insurance can go steeper in the years to come. Currently, one will have to spend around $336 monthly on average to insure their Lamborghini Gallardo.

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