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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.
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.
10 / 10
In 2007, my 2004 Honda Civic, went through a massive flood. I was paid the full coverage amount plus a new car and even some extra cash. Payment was very fast - I warmly recommend them!!
0 / 10
NEVER GO WITH GEICO!!! They have the worst service ever! I had a 6 months old, 7000 miles new car and one night I hit a deer on the road. GEICO refused to pay for OEM replacement parts and offered a reconditioned, pre-used parts instead! The difference in value was $186.. After making a few phone calls they said it states in my policy that they have the right to do so. I was never told this fact at any point of purchasing the policy with GEICO. I called 2 other companies who told... Read More
10 / 10
GEICO car insurance is a cheap and trustworthy insurance company. You get good value for your money.
10 / 10
Love the fact that GEICO car insurance is so affordable! Great rates. Very easy to use online. Cheapest car insurance I could find.
10 / 10
Very happy GEICO car insurance customer. Fast and professional service and problem resolution.
5.2 / 10
I was a loyal GEICO customer for 15 years, with a pristine unblemished driving history and high coverage levels [and had never filed a previous claim]. I recently had a minor fender bender that was deemed by GEICO Claims to be '100% my fault.' Shortly thereafter, I received a form follow-up letter from GEICO stating that, for that reason, GEICO would not pay for damage repairs to my vehicle. A shocker to me. Does an insurance policy with these terms really represent meaningful... Read More
3.2 / 10
I been a loyal customer of Geico for 30 years. On Christmas Day 2021, I was stopping at a red light to make a left turn. I was stopped next to a police car, when an elderly driver approaching from the opposite direction crossed several lanes and hit me head on. It was purely the elderly lady’s fault. A few days later, the Geico adjuster gave my car a cursory look over, and estimated the hangar to be $6500. All body shops were booked until February, so my car was towed to my house so it... Read More
9.6 / 10
I just noticed the Geico Mobile app deducts points from their customer if someone tailgates you, it deducts points from the customer. If you driving on a Main Rd, and someone is getting ready to run a stop sign, and you have to stop even though you have the right of way, the Geico Mibile App detects this, like a car was in front of you. So the Mobile App needs some improvements. When I drive. My ex-husband always tells me, I'm too far away from cars, and I need to get closer, Geico Mobile App... Read More
2 / 10
Geico has the worst customer service! They changed my policy without my authorization and doubled my monthly payments in error!
2 / 10
Total scam. Beware. They use drive easy app to bat and switch.
0 / 10
Do not use Liberty Mutual for your motorcycle insurance!!! I ride a ’96 Goldwing and they had me paying $568 a year.. Terrible rates!!! I tried Geico and their quote Wass for $189.69 - 67% LESS THAN LIBERTY!!!! I called them to cancel my policy and now they want to charge me $126 for canceling early… DO NOT USE LIBERTY MUTUAL FOR MOTORCYCLE INSURANCE!!!
10 / 10
Liberty Mutual is a great company that you can count on! Their auto insurance rates are just excellent and get you covered well. Their mobile app is extremely user friendly and makes the experience much easier and up to date.
10 / 10
Liberty Mutual is an excellent car insurance choice. Very reliable. Their auto insurance rates might not be the most affordable rates, but you're covered from every possible direction and when you really need to activate the car insurance, you're in good hands and will be grateful for choosing them over cheaper options!
10 / 10
Liberty Mutual car insurance is an excellent car insurance plan and an excellent company.
10 / 10
EXCELLENT VALUE FOR MONEY!!
10 / 10
Thank you Liberty Mutual for an excellent customer service! My son moved to Florida, yet his car was left in Colorado. Liberty Mutual helped us to keep it insured in a more affordable way. They discounted 50% from our monthly payments without us even asking! Awesome handling of a situation! Good job guys!
10 / 10
I would like to give several thumbs up to Liberty Mutual for not increasing car insurance rates even following an accident. Was sure it's going to be raised but was pleasantly surprised. Guess my clean driving history helped as well! Excellent company.
2 / 10
Customer Service is horrible! They sent an email two weeks ago to let me know that my payment would be a lot more for whatever reason. They don’t know if I have access to my emails? I’m currently very sick and called a few weeks ago to lower my rate since I was not using my vehicle as I use to and was no help. If fact, my monthly payment changed to a higher rate after I explained what I was going through. Company has a customer service team that just answer basic questions but certainly... Read More
2 / 10
Customer Service is horrible! They sent an email two weeks ago to let me know that my payment would be a lot more for whatever reason. They don’t know if I have access to my emails? I’m currently very sick and called a few weeks ago to lower my rate since I was not using my vehicle as I use to and was no help. If fact, my monthly payment changed to a higher rate after I explained what I was going through. Company has a customer service team that just answer basic questions but certainly... Read More
2 / 10
Customer Service is horrible! They sent an email two weeks ago to let me know that my payment would be a lot more for whatever reason. They don’t know if I have access to my emails? I’m currently very sick and called a few weeks ago to lower my rate since I was not using my vehicle as I use to and was no help. If fact, my monthly payment changed to a higher rate after I explained what I was going through. Company has a customer service team that just answer basic questions but certainly... Read More
10 / 10
I have had AIG Private Client Group Auto Insurance for over a year now. I had my BMW insured with them, I have filed 2 claims in the past year and they have been more than helpful in not just the claim part but personally as well by whatever was going on around my personal life adjusted accordingly. They are the most flexible when it comes to car rental, regardless of whatever your case is whether someone else hit you and you are going to file through the other's insurance, I got a rental... Read More
10 / 10
In 2007, my 2004 Honda Civic, went through a massive flood. I was paid the full coverage amount plus a new car and even some extra cash. Payment was very fast - I warmly recommend them!!
0 / 10
I experienced an injury while working a couple of months ago. I filed a claim using my accident policy, and it’s still being processed! AIG customer service are so rude, condescending and unprofessional and they treat you like garbage. They adjusters NEVER return phone calls… I hurt my wrist in an accident and had to undergo a surgery. A few weeks ago I received a letter saying that my claim did not process because my documents did not state that my injury was a fractured bone. AIG... Read More
10 / 10
I have been involved in a car accident which was not my fault… Had a green light, was driving the right speed when another car had made a right turn and t-boned my car. Luckily I had a dash-cam recording the whole thing - I recommend you get yourself one! I did not agree to leave the scene without a police report. This makes so people can’t change their stories later on. It also helps a lot to get yourself a lawyer to deal with the insurance companies. It works easier and faster that... Read More
3.1 / 10
About a month ago I got into a car accident, I called GEICO, who assigned me with an adjuster. My car hadn’t been moved from the accident scene for at least two days and they didn’t move it until I called them again to point that out. The first quote was sent to my phone after the first inspection. The adjuster did not bother to answer my phone calls for five days straight! The car shop had to call the adjuster back because they discovered additional damage to my car. Another... Read More
3.3 / 10
GEICO used to be the best insurance company, until today… I have been their client for over 9 years and not too long ago got into a hit and run accident. Some person hit my car and fled scene to never be seen again! I filed a hit-and-run claim but then they changed it to collision so I would have to pay my deductible. They said it’s because the inspection stated that at the time of impact the car was in motion and both driver and passenger seatbelts were used, which matched the... Read More
0 / 10
I called GEICO last night to tow my car. They said they will use a company called 1st response Towing and Recovery and that it would take them about 90 minutes to get to me. After 2 long hours I called the towing company directly and was told they have never received any phone call from GEICO regarding my situation and advised me to call GEICO back. I did and they told me that the towing company company cancelled the service yet nobody bothered to let me know!!! At this point, 3 hours in a 10... Read More
2.8 / 10
I am very UNHAPPY with GEICO and the way they treat people and specifically how they handle my claim. I had a car accident four months ago which GEICO took blame for, but would not pay my settlement.. Why are you stalling, GEICO????
3.3 / 10
I had insurance with GEICO for over 10 years and not even one claim. When I needed their help they were not there to assist me. GEICO customers must learn that when you get into a car accident with another GEICO customer, this will not play well for either one of the sides involved. In other words, whatever GEICO decides on the case - is final. We had to learn the hard way that there was no way of beating the system on that one. 2 days after the car accident, while I was still giving details... Read More
0 / 10
I do NOT recommend using GEICO! We have 3 auto, RV, umbrella and homeowners with the. A few months ago I had one cars stolen off my driveway, it took me about 3 weeks just to get to talk to an agent… We always pay on time, no problems, no claims ever… About a month later I received a phone call saying they will send me the paperwork so I can get paid for the stolen car and buy a new one. Nothing ever came and seems like nothing ever will. It has been over a month and I still have no... Read More
0 / 10
I have been a GEICO customer for many years and I can honestly say - they don’t care for their long time customers AT ALL! I had to pay a large sum for my renewal. In Nov. I was told that I would not have to pay until Dec. I said ok but decided to still pay towards my renewal. GEICO rep was very happy to take my money. After paying the rest of the money I was sent another bill for over $600 because I was late on my payments… So I paid in November and their rep had the wrong... Read More
0 / 10
GEICO do not care at all about their long term customers! They discriminate their clients. I have been a single woman for 7 years now and had my car and my home insured with GEICO. All those years I was never late on a payment and never filed a claim. We had a few funerals and a wedding in the family, I sold my house so dropped the policy and inherited a car so I got a second policy for that car until sold one of them. One day I received a letter from GEICO that starting Dec 31 they... Read More
0 / 10
GEICO is the worst company in the world! Slumlords! My payment was 5 days late and they decided to punish me and jack up my premium by more than $60!!!!!!!!!! OUTRAGEOUS!!!!! I am so disgusted by their greedy and unjustified treat!
0 / 10
I am very disappointed with GEICO unprofessional customer service! My car got hit on the back and GEICO offers absolutely no help with the damage. Their rep was very unhelpful and was not willing to share any kind of information with me, never called me back even once to help me understand how the process works. A representation well below average. GEICO adjuster did a horrible job, did not describe a thing in the report but had good excuses as for why the prices were so... Read More
4.1 / 10
I have a dispute with GEICO over an unresolved claim, as they are unable and incapable of resolving my case. If you contact their HQ to inquire and try to get some answers - this should turn a red light on for managers and executives, but it does not. My car got rear-ended and totalled. GEICO adjuster gave me two options - retain the vehicle, or retune it below market value. Both are a major disadvantage! MY car is used for business travel and other necessities and I am currently taking... Read More
0 / 10
GEICO only care about the money they take from you!!! I was insured with another company and wanted to switch to them. The policy they offered was a little lower but when told them that my wife had a car accident over 6 months ago, they jacked the price from $73 to $168 because she was considered a high risk driver. She was not even at fault for that accident!!!!!!!! Terrible!! They do not care to help you as a customer and only want to take your money!! DO NOT GO WITH GEICO!
0 / 10
I am an active duty military and I have been with GEICO for over 8 years. A few months ago they decided to raise my premium by ore than $60 for the same exact cars I have had since forever, without no warning! When I called to ask why, they said that repairing any of my cars would cost more than their actual value and deductible. That is despite the fact that I have been paying them $220 a month for 8 long years and no claims!! Over $20,000! This may actually off my car completely…... Read More
0 / 10
GEICO don’t care for you! My car got hit by an older gentleman from out of state and broke off the mirror while I Was completely standing still! GEICO demand that I pay my deductible BEFORE having my car fixed!!! Why are they making me pay my deductibles if this accident was not even my fault?! Disappointed!!!
0 / 10
I have been a GEICO customer for a long time now, until they decided to screw over my son who was deployed overseas, for his auto insurance. Before leaving, he informed GEICO, as well as his bank that he will not be using his car for an undisclosed period of time. His bank canceled his credit cards even tho he told them he’s leaving the country. Then his automatic payments did not go through. GEICO reported my son to the DMV in Florida which got his license suspended… When a... Read More
0 / 10
Do NOT get GEICO! I was buying car and home insurance with Arrowhead. They were supposed to call my the same eve with a quote but never did. The following day I went into my bank account and discovered that they charged me $599 and additional $30 overdraft charge. Arrowhead sent me a check 3-5 days after but GEICO said they would put the $30 back into my account - they never did! I can’t get a hold of anyone to talk to and never got that money back so far! KEEP AWAY FROM GEICO AND... Read More
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