Lamborghinis are not only expensive to buy, but they are also expensive to insure. According to our research, the average annual cost of auto insurance for a 2018 Aventador S Coupe was $7,949. This is more than three times the insurance cost for a 2018 Honda Civic EX. In the blog post, we will be talking about Lamborghini insurance cost, the average cost, insurance costs for a 17-year-old, etc.

Furthermore, Lamborghini owners may need to obtain a collector vehicle insurance policy, as standard auto insurance may not be an option. Collector auto insurance policies for a Lamborghini, on the other hand, cost 44% less than standard auto insurance policies.

How Much Does Lamborghini Insurance Cost

Because of the nature of car insurance, estimating the cost is frequently difficult. This is due to the fact that each car is unique, as are the drivers who drive them. This creates a complex formula in which the insurance company must calculate the amount of risk they are exposing themselves to by allowing someone to obtain auto insurance.

Because of the various risk factors associated with them, as well as the high repair cost, high-end luxury sports cars are among the most expensive. In today’s guide, we’ll look at Lamborghini car insurance, including how much you can expect to pay for different models and for the age of a 17-year-old.

Why Is Lamborghini Insurance So Expensive?

Before we get into the specifics, let’s look at why insurance for a Lamborghini is so expensive. The most obvious factor is the vehicle’s high cost. This means that if you get into a serious accident, repairing a Lamborghini will be extremely expensive.

Lamborghini auto insurance rates are also high because of their high value, making them targets. Comprehensive insurance rates will be much higher because a Lamborghini will be a target for car thieves as well as vandals who wish to cause damage to your property due to its value.

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Another reason for the high car insurance rates associated with Lamborghini vehicles is the speed that these vehicles can achieve. Because these cars are capable of extremely high speeds and quick acceleration, the temptation for the driver to push the limits of what the car can do is much greater.

This can result in things like street racing and high-speed collisions, which can cause massive damage and even death. To ensure that insurance companies do not go bankrupt when insuring vehicles like these, the cost of the policies will ensure that the risk of covering the driver is worthwhile.

Average Lamborghini Insurance Cost

Because there are so many different cars, each with its own insurance quotes, determining the average cost to insure a Lamborghini is difficult. Here’s a quick rundown of the Lamborghini car insurance rates we looked at in this guide, as well as some others:

Lamborghini TypeAverage Lamborghini insurance cost per year
Lamborghini Aventador $6,800
Lamborghini Huracan $5,200
Lamborghini Murcielago $4,200
Lamborghini Gallardo $4,200
Lamborghini Urus $6,000
Table showing average cost for Lamborghini

Keep in mind that these insurance quotes are only averages; many other factors will influence how much you will pay for Lamborghini car insurance. The age of the driver is a major factor that can lower your insurance rates, with insurance companies preferring older drivers.

Your insurance costs will also be directly related to your driving record, and you will be required to enter your zip code in order to receive a more accurate quote on your Lamborghini car insurance. Insuring a Lamborghini will always be costly, but you can shop around for different insurance providers and their policies to get a better idea of how much your coverage will cost.

How Much Does a Lamborghini Insurance Cost

Lamborghini car insurance rates start around $500 to $600 per month, assuming you drive an Aventador with a base price of around $200,000. Rates will be higher for more expensive models.

Your annual rates should be between $6,000 and $7,200.

Quotes, of course, vary greatly depending on your demographic information. Even with a clean driving record, some drivers report receiving quotes ranging from $20,000 to $30,000.

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Others claim to have gotten rates as low as $2,000 per year.

As you can see, prices vary greatly depending on a variety of factors, including vehicle models and options. For example, if you want to insure a Huracan rather than an Aventador, monthly rates can range between $400 and $500.

In general, you can expect to pay anywhere between $6,000 and $30,000 per year to insure one.

Pricing can vary depending on the manufacturer’s options, such as whether your vehicle is convertible or not, as well as the specifics of a wide range of customization options. All of the prices we’ve discussed thus far are based on purchasing full coverage auto insurance, which includes liability insurance, collision insurance, and comprehensive coverage.

Lamborghini Insurance for 17-Year-Old

Lamborghini insurance will be especially expensive for drivers who are more likely to drive irresponsibly. If you are 17 to 19 years old, a demographic that is statistically more likely to be involved in a car accident, we discovered that the cost of insurance for a Lamborghini could be 121 percent higher than the rates quoted above for a 40-year-old male.

According to the quotes we obtained, the rate for a 17-year-old male driver pay $17,533 per year for their Lamborghini Aventador insurance, which is approximately $9,600 more expensive than our adult driver profile.

Your car insurance rates will also be affected by how frequently you drive your Lamborghini. One of the typical questions insurers ask is how much you intend to drive an insured vehicle in a year. Because the likelihood of an accident increases as you drive your insured vehicle more frequently, your insurance company will charge you higher rates. Exotic cars, such as Lamborghinis, are rarely driven on a daily basis, so driving only a few thousand miles per year can significantly reduce auto insurance costs.

How to get Lamborghini car insurance

Insuring an exotic vehicle, such as a Lamborghini, can be difficult because some insurance companies simply do not cover these vehicles. Although some national insurers, such as State Farm and Farmers, provided online quotes for various Lamborghini models, the vast majority did not. If you are unable to find coverage through a major insurer, a company specializing in classic or collector car insurance may be your only option.

InsurerProvides online auto insurance quotes for Lamborghinis
State Farm Yes
Farmers Yes
Erie Yes
Allstate Yes
Esurance Yes
Geico No
Progressive No
Liberty Mutual No

Collector car insurance for a Lamborghini

Collector car insurance is intended for high-end vehicles such as Lamborghinis, which can appreciate in value. The primary distinction between a collector car insurance policy and standard auto insurance is that the former is based on an agreed value, whereas the latter is based on the vehicle’s actual cash value.

Assume you have a collector auto insurance policy for a Lamborghini Huracán with a $200,000 agreed-upon value. For a claim covered by comprehensive or collision insurance, your insurer will pay up to this amount to repair or replace your vehicle. This eliminates any coverage surprises, which is especially important if you’ve spent hundreds of thousands of dollars on a Lamborghini.

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When it comes to Lamborghini insurance, we discovered that collector car insurance is less expensive on average than standard car insurance policies. Across all of the quotes we collected, collector car insurance quotes from American Standard Insurance were 44 percent less expensive than conventional auto insurance quotes from Erie, State Farm, and Farmers.

How Does Agreed Value Auto Insurance Work?

One of the most significant benefits of collector car insurance is the ability to use an agreed-upon value for your vehicle. Instead of ensuring the entire $420,000 value of your Lamborghini Aventador, you can negotiate a portion of that amount with your insurer.

Instead of covering the entire cost of the vehicle, you could agree on a value of $250,000. Up to this amount, your insurer has agreed to cover the cost of repairing or replacing your Lamborghini. If your Lamborghini is deemed a total loss as a result of an accident, your insurer will pay a maximum of $250,000.

You can get good coverage for your vehicle while lowering your premiums with agreed value car insurance. Instead of paying $420,000 for car insurance to cover the full cost of your Lamborghini Aventador, you can pay $250,000 instead. The insurer faces less risk, while you face greater risk.

Other Factors Influencing Lamborghini Insurance Prices

The average Lamborghini insurance policy costs between $6,000 and $11,000 per year, with most policies falling between $7,000 and $8,000 per year.

Several factors, however, can affect the cost of Lamborghini insurance, including:

Postal Code:

Before assigning premiums, your insurer checks your ZIP code. Some ZIP codes are linked to higher accident or crime rates. Drivers in major cities typically pay more for car insurance than drivers in smaller towns. If you insure a Lamborghini in downtown Los Angeles, for example, you may pay more than if you insure the same vehicle in Santa Barbara.


Drivers under the age of 17 to 25 pay more for Lamborghini insurance than drivers over the age of 25. This difference can be significant in high-end luxury vehicles. According to our research on Lamborghini insurance, 17- to 19-year-old drivers pay $16,000–$25,000 per year for their cars. Drivers over the age of 70 may also face higher rates. Your reaction time and vision deteriorate with age, making it increasingly difficult to drive a high-end vehicle like a Lamborghini safely.

Driving Record:

If you have a clean driving record, you will pay much less for Lamborghini insurance than a driver with a bad driving record. A single DUI, at-fault accident or even a speeding ticket can raise rates by 10% to 40%. That may not seem like much of a difference on a standard car insurance policy, but it could add thousands of dollars to your Lamborghini insurance premiums each year.

Annual Mileage:

If you drive your Lamborghini on a daily basis, you’ll pay more for car insurance than someone who only drives it on weekends. Before assigning rates, insurers may request your average annual mileage. Some collector car insurance companies also provide tailored quotes for the weekend, summer, and low mileage drivers.

How to Get Cheap Lamborghini Car Insurance

Yes, you can get cheap car insurance for a Lamborghini. You can find the best rates on car insurance regardless of your make and model by taking advantage of discounts, checking car insurance quotes online, and finding the perfect quote for your needs.

Use Coupons:

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Even if it’s a Lamborghini, all insurers offer discounts. To save money, you can combine multiple car insurance policies. Alternatively, you can combine your home and auto insurance with a single company to save 20% on premiums. You may also be eligible for safe driving or loyalty discounts.

Compare Quotes: 

Lamborghini insurance is available in a variety of forms. Some insurers specialize in insuring Lamborghinis and may offer the most competitive quotes. In other cases, working with a mainstream insurer like State Farm for your Lamborghini car insurance is preferable.

Use the Proper Insurer:

Because of the risk, some insurers avoid insuring high-end vehicles. Drivers of Lamborghinis are charged exorbitant fees. Other insurers welcome high-end vehicles into their insurance pool to balance it out, charging Lamborghini drivers comparatively low rates. There are also specialty insurers, such as specialty auto insurers.

Obtain Agreed Value Insurance:

If you want to save money on Lamborghini insurance, get agreed value insurance. With agreed value insurance, you agree with your insurer to cover a specific value of your vehicle, regardless of its total value. Instead of covering the entire $300,000 value of your Lamborghini, your insurer may only cover $150,000 while charging lower premiums.

Whether you are looking for low-cost Lamborghini insurance or high-end Lamborghini insurance, you can find a policy that meets your specific requirements. Compare quotes today to find the best Lamborghini car insurance for your specific requirements.

Frequently Asked Questions

From where can I purchase insurance for my Lamborghini car

You can compare all the available premium quotes for Lamborghini cars on our website,, and choose the one that best meets your needs. With InsuranceDekho, you can get a policy issued right away.

Why should I use a broker for my Lamborghini car insurance?

An insurance broker acts as a go-between for a client and an insurance company. Dealing with an insurer directly is fine if your needs align with how they want to engage. However, if you have a high-value car, make a claim, or need to change a detail in your policy, you may find that ‘the computer says no,’ leaving you frustrated and with no one to help you.

Will the model of my Lamborghini affect my car insurance?

You will find a Lamborghini insurance policy that is right for you, whether you have a Lamborghini Huracán, Aventador, or Miura.

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