Lamborghini Insurance Rates

The average cost of car insurance for a Lamborghini model is about $7,290 per year.

This is $5,065 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

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Insurance Cost per Lamborghini Model

Model Good Driver Recent Accident Poor Credit
Lamborghini Aventador Insurance Cost $7,804 $11,459 $13,405
Lamborghini Huracan Insurance Cost $6,775 $9,948 $11,638

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 $24,691 $36,256 $42,414
18 $23,010 $33,788 $39,527
19 $20,335 $29,860 $34,932
20 $17,731 $26,036 $30,458
21 $14,869 $21,834 $25,542
22 $14,481 $21,264 $24,876
23 $12,671 $18,606 $21,766
24 $12,038 $17,676 $20,678
25 $10,388 $15,254 $17,845
30 $8,092 $11,882 $13,901
35 $7,579 $11,129 $13,020
40 $7,290 $10,704 $12,522
45 $7,094 $10,416 $12,184
55 $6,505 $9,552 $11,174
65 $6,786 $9,964 $11,656
75 $8,564 $12,576 $14,712

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 $7,724 $11,218 $14,278
Alaska $6,388 $8,856 $8,608
Arizona $7,222 $10,440 $15,382
Arkansas $7,918 $12,441 $13,698
California $8,816 $15,590 $8,816
Colorado $8,228 $11,514 $14,608
Connecticut $10,510 $16,302 $20,692
Delaware $8,702 $11,596 $14,895
Florida $10,361 $14,334 $18,678
Hawaii $3,374 $4,580 $3,374
Idaho $5,862 $7,770 $9,448
Illinois $6,136 $9,274 $10,575
Indiana $6,304 $9,637 $10,814
Iowa $4,993 $6,847 $8,052
Kansas $6,642 $9,665 $11,304
Kentucky $9,602 $14,096 $16,646
Louisiana $12,327 $18,634 $20,204
Maine $4,661 $6,444 $9,513
Maryland $7,544 $10,978 $12,194
Massachusetts $6,049 $10,552 $6,049
Michigan $14,598 $22,246 $35,088
Minnesota $6,009 $8,012 $11,282
Mississippi $7,254 $10,347 $10,414
Missouri $6,835 $9,772 $12,838
Montana $6,950 $9,696 $11,286
Nebraska $5,874 $8,687 $9,438
Nevada $9,690 $14,372 $15,182
New Hampshire $6,740 $10,658 $13,474
New Jersey $7,426 $11,651 $15,246
New Mexico $7,584 $11,281 $11,710
New York $7,024 $8,845 $14,765
North Carolina $4,354 $7,481 $5,336
North Dakota $5,958 $9,056 $10,710
Ohio $5,313 $8,195 $8,402
Oklahoma $8,484 $12,148 $13,678
Oregon $7,720 $10,359 $12,373
Pennsylvania $6,503 $9,548 $11,172
Rhode Island $10,858 $15,927 $17,934
South Carolina $7,374 $10,219 $14,104
South Dakota $6,616 $9,532 $11,000
Tennessee $7,780 $11,454 $15,253
Texas $7,836 $11,320 $14,080
Utah $6,665 $9,340 $12,852
Vermont $5,131 $7,902 $8,352
Virginia $4,833 $7,421 $7,274
Washington $6,398 $8,684 $10,370
West Virginia $6,438 $9,220 $11,551
Wisconsin $6,418 $10,019 $11,428
Wyoming $5,992 $8,388 $8,932
Georgia $8,446 $12,630 $12,736