By the very nature of car insurance, it’s often difficult to make an estimate on the price. This is because every car is different, and they are owned by very different drivers. This creates a complex formula in which the insurance company has to deduce the amount of risk they’re exposing themselves to when they let someone take out an auto insurance policy.
High-end luxury sports cars tend to be some of the most expensive because of the various risk factors that are associated with them, as well as their high repair cost. Over the course of today’s guide, we’re going to take a look at Lamborghini car insurance, including how much you can expect to pay for certain models.
Before we look at the details, let’s explore why insurance for a Lamborghini tends to be so expensive. The most obvious factor is the high cost of the vehicle itself. This means that a Lamborghini will be extremely expensive to repair if you ever end up getting into a serious accident.
Auto insurance rates for Lamborghinis are also high because their high value tends to make them targets. You can expect comprehensive insurance rates to be far higher because a Lamborghini will be a target for car thieves as well as vandals who wish to damage your property because of its value.
Yet another reason for the steep car insurance rates related to Lamborghini vehicles is due to the speed that these vehicles can attain. Since these cars are capable of extremely high speeds and quick acceleration, there’s a lot more of a temptation for the driver to push the limits of what the car can do.
This can lead to things like street racing and high-speed collisions that can result in immense damages and sometimes even death. To ensure that insurance companies don’t go under when they insure vehicles like these, the expense of the policies will ensure that the risk of covering the driver is one that’s worth taking.
It’s hard to pin down the average cost to insure a Lamborghini because there are so many different cars, each of them with its own insurance quotes. Here’s a short summary of the car insurance rates for the Lamborghinis that we’ve looked at over the course of this guide, and some others:
Lamborghini Type | Average 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 |
Keep in mind that these insurance quotes are only averages, there are many other factors that will go into determining how much you can expect to pay for Lamborghini car insurance. The age of the driver is a major factor that can reduce how high your insurance rates are, with older drivers being preferred by insurance companies.
Your insurance costs will also be directly related to your driving record, and you’ll also have to enter your zip code to get a more accurate quote on your Lamborghini car insurance. Insuring a Lamborghini will always be expensive, but you can shop around various insurance providers and their insurance policies to get a better idea of how much your coverage will cost.
The Aventador is currently Lamborghini’s flagship model, featuring a larger engine than the smaller Huracan. The Aventador is one of the most expensive production vehicles that Lamborghini currently offers, coming out to a typical price of about $300,000, depending on extras.
Compared to the top 300 most expensive cars to insure, you’ll find the Lamborghini Aventador somewhere in the middle. There are a few features that make the Aventador cheaper, however. For example, the inclusion of stability control and anti-lock brakes help make the car safer to drive.
The average monthly cost for car insurance on a Lamborghini Aventador is about $560 per month. This comes out to a total of nearly $7,000 per year to keep the car insured. This is a significant amount of money, and the Aventador beats out most of Lamborghini’s other regular production vehicles in insurance price.
Get all the best quotes from leading providers in a click of a button!
The Lamborghini Huracan is Lamborghini’s secondary flagship, and this is a smaller and less powerful vehicle than the Aventador. Don’t take that to mean that the Huracan is a weak vehicle, however, as it’s still one of the fastest cars on the road, resulting in relatively steep insurance premiums.
The risk of driving a Huracan is that the car’s high power to weight ratio will encourage the driver to drive more aggressively. However, since the vehicle is a little less expensive than the Aventador, you can expect to pay less to insure it, though it still won’t be anywhere near as reasonable as a regular car.
On average, you can expect to pay about $440 per month to insure a Lamborghini Huracan. Lamborghini car insurance for this particular vehicle comes out to around $5,000 per year. The cost to insure this vehicle is relative to its price, which is about $200,000, though that will depend on the extras you pick.
The Lamborghini Gallardo may now be out of production, but it’s still an impressive vehicle that will turn heads when you drive by. However, if you’re thinking of picking up a Gallardo to get cheap Lamborghini insurance rates, then you may be a little disappointed to know that the costs are still rather significant.
To compare car insurance quotes across the range of Lamborghini vehicles, a Lamborghini Gallardo will cost you about $1,000 less per year than a Huracan. When you consider the age of this vehicle, you’re not saving a huge amount on your auto insurance quotes.
Insurance companies will charge you an average cost of insurance of about $330 per month to keep your Lamborghini Gallardo covered. An issue that’s growing worse and worse with each passing year for Lamborghini insurance is that Gallardo parts are becoming more and more scarce.
Get all the best quotes from leading providers in a click of a button!
I was hopeful about going with Travelers. My cousin oversees the building of large hotels (the W and Virgin in Nashville) and told me that is who he had used commercially. But after having roof damage from a storm, I have had a really bad experience. From the very first person I dealt with, it became quickly clear from my first dealings and was confirmed throughout the process, is how little they care about the people they insure and how they truly want to pay as little as possible. While my neighbors were having positive experiences with their insurance companies after the storm, mine has been terrible. I would highly recommend staying far away from Travelers Insurance and going with literally anyone else but them. —Jason McAnally
AAA is only good if you never have to use them. My daughter was borrowing my car and got hit by a hit-and-run driver who left the scene. AAA would not pay for damages on my car because she was not on the policy and I didn't have full coverage on my car I did have uninsured motorists but they still would not pay the claim so I have a wrecked car and now AAA is canceling my insurance What a waste of time and money. We reported to insurance board and still nothing was done. I'm going back to allstate, atleast they pay claims.
The quote they gave me was not the correct price. it turned out to be twice the amount they said. Plus the agency is in California 1500 miles away and I received bad customer service.
Horrible, we are DRIV3 Rentals a Car Rental Company in Los Angeles California. One of our clients purchased a Bonzah policy to rent a vehicle from us. An accident occurred where there has been significant damage to our 2021 BMW M4, we proceeded to file a claim with Bonzah. Let me just say the way this company handles claims is from the stone age. They do not contact you anywhere except emails. Our company has been in a 100+ email chain with Paul and Art from Bonzah for at least a month. They have confused our claim with other claims and at times just simply not responded back at all. We supplied all the necessary information needed for the claim and everything seemed ok. Fast forward to last week out of no where Paul stops answering so we call him over and over until he answers at this point he not once told us this by the way that they pulled the police report and our driver isn't listed, this is false as I immediately went to the LAPD police station and found out the report Paul pulled was filed online from one of the other drivers and not an official report from the officer on the scene, the officer on the scene made a statement in which debunks that whole claim and in fact our driver was the driver. I have never in my 20 years in the auto industry been accused of anything like this furthermore Paul stating that oh we don't know if your driver knows the other driver and they could have planned this. Insane really, Paul stated that if we could get a statement from the officer he would expedite our claim and damages check, Paul, Art and Bonzah has since started to ignore us. They don't answer calls, emails, text messages anything for almost 2 weeks now. How ironic that once we debunk their claim of our client not being the driver they stop responding. Don't use this company, stay far away.
We have been with progressive for 18+ but Have to give a one star with this experience. We hit a big rock on the highway. Randell Fergen repair rep . argued with me; claimed I was off roading in my car, which I have never done . Randell told me “this was not an isolated incident”. Because my other wheels had scratches according to him. The auto shop they picked and Randell told me it the wheel just needs a balance . Randell quoted me the price I would have to pay for the balance. I took the car to Discount Tire since the balance is covered. Discount told me “the wheel is bend badly” We called back to the rep Kiera Washington to update her and ask for a new repair rep. She said she could not and when I asked to speak to her supervisor she said “ I’m not dealing with you” and hung up on me ????