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.
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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.
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I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
Total scam. Beware. They use drive easy app to bat and switch.
Geico has the worst customer service! They changed my policy without my authorization and doubled my monthly payments in error!
Terrible company when it comes to honor their liability for other automobilists. Their driver crossed right light, destroyed my vehicle and liberty mutual denied my claim. First, for months they did not respond our emails. Than I called and their agent Danelle Bechard asked me to email her the details of the accident. another two months passed and again, no response from her. I called again and she was like, let me check your email and said, your claim is denied. She decided in few seconds after checking my email. In fact she never read my emails, just wanted to give me false hope. They could do investigation, they could read my emails, they could go through pictures but hey had already decided to deny my claim. They knew that I do not have a camera in my car or any witness. I am an Uber driver, I lost my car, and my job because of this accident. I had to borrow money from friends to purchase another car and I still owe money. Just because I cannot prove it, does not mean it did not happen. I could not do anything so just writing this review.
THE WORST INSURANCE COMPANY IN THE WORLD. Had the for 5 years, cost doubled neve had a claim of ticket, no service dept. They keep changing my policy without my approval. AND paid payment on line. They took a extra $4000 . Took a year to get them to admit there wrong. Customer service is like talking to 4 year old. I wouldn't trust this company with a dime. Now have a good HONEST company thats $489 cheaper on my auto policy alone. NEVER trust aaa..
Not all those who wander are lost.
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