Lamborghini Insurance Rates

The average cost of car insurance for a Lamborghini model is about $4,736 per year.

This is $2,949 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Lamborghini insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Lamborghini insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Lamborghini Model

Model Good Driver Recent Accident Poor Credit
Lamborghini Aventador Insurance Cost $5,048 $7,413 $8,672
Lamborghini Huracan Insurance Cost $4,423 $6,495 $7,598

The cost to insure a Lamborghini model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Lamborghini, then see our insurance analysis and rankings for other makes and models here.

Lamborghini Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $16,041 $23,555 $27,556
18 $14,949 $21,951 $25,680
19 $13,211 $19,399 $22,694
20 $11,520 $16,915 $19,788
21 $9,660 $14,185 $16,594
22 $9,408 $13,815 $16,162
23 $8,232 $12,088 $14,141
24 $7,820 $11,484 $13,434
25 $6,749 $9,910 $11,594
30 $5,258 $7,720 $9,032
35 $4,924 $7,230 $8,458
40 $4,736 $6,954 $8,135
45 $4,608 $6,766 $7,916
55 $4,226 $6,206 $7,260
65 $4,408 $6,474 $7,573
75 $5,564 $8,170 $9,558

Lamborghini auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Lamborghini models by state.

Average Lamborghini Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $5,018 $7,288 $9,276
Alaska $4,150 $5,753 $5,592
Arizona $4,692 $6,783 $9,993
Arkansas $5,144 $8,082 $8,900
California $5,728 $10,128 $5,728
Colorado $5,345 $7,480 $9,490
Connecticut $6,829 $10,591 $13,444
Delaware $5,654 $7,534 $9,677
Florida $6,732 $9,312 $12,135
Georgia $5,488 $8,206 $8,274
Hawaii $2,192 $2,976 $2,192
Idaho $3,808 $5,048 $6,138
Illinois $3,986 $6,026 $6,870
Indiana $4,096 $6,260 $7,026
Iowa $3,244 $4,448 $5,231
Kansas $4,316 $6,279 $7,344
Kentucky $6,238 $9,158 $10,815
Louisiana $8,009 $12,106 $13,126
Maine $3,028 $4,186 $6,180
Maryland $4,900 $7,133 $7,922
Massachusetts $3,930 $6,856 $3,930
Michigan $9,484 $14,452 $22,796
Minnesota $3,904 $5,206 $7,330
Mississippi $4,713 $6,722 $6,766
Missouri $4,440 $6,348 $8,340
Montana $4,515 $6,300 $7,332
Nebraska $3,816 $5,644 $6,132
Nevada $6,295 $9,338 $9,864
New Hampshire $4,379 $6,924 $8,754
New Jersey $4,824 $7,569 $9,905
New Mexico $4,927 $7,329 $7,608
New York $4,564 $5,746 $9,592
North Carolina $2,829 $4,860 $3,466
North Dakota $3,872 $5,884 $6,958
Ohio $3,452 $5,324 $5,459
Oklahoma $5,512 $7,892 $8,886
Oregon $5,016 $6,730 $8,038
Pennsylvania $4,225 $6,204 $7,258
Rhode Island $7,054 $10,348 $11,652
South Carolina $4,790 $6,639 $9,164
South Dakota $4,298 $6,193 $7,146
Tennessee $5,054 $7,441 $9,910
Texas $5,091 $7,354 $9,147
Utah $4,330 $6,068 $8,350
Vermont $3,333 $5,134 $5,426
Virginia $3,140 $4,822 $4,726
Washington $4,156 $5,642 $6,737
West Virginia $4,183 $5,990 $7,504
Wisconsin $4,170 $6,509 $7,424
Wyoming $3,893 $5,450 $5,803