Lamborghini Insurance Rates

The average cost of car insurance for a Lamborghini model is about $5,257 per year.

This is $3,363 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 $5,604 $8,229 $9,627
Lamborghini Huracan Insurance Cost $4,910 $7,210 $8,434

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 $17,806 $26,147 $30,589
18 $16,594 $24,368 $28,506
19 $14,666 $21,534 $25,192
20 $12,788 $18,776 $21,966
21 $10,724 $15,746 $18,421
22 $10,444 $15,336 $17,940
23 $9,138 $13,418 $15,698
24 $8,681 $12,748 $14,914
25 $7,492 $11,001 $12,870
30 $5,836 $8,570 $10,026
35 $5,466 $8,026 $9,390
40 $5,257 $7,720 $9,030
45 $5,116 $7,512 $8,788
55 $4,692 $6,889 $8,059
65 $4,894 $7,186 $8,406
75 $6,176 $9,070 $10,610

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 $5,570 $8,090 $10,298
Alaska $4,607 $6,386 $6,208
Arizona $5,208 $7,530 $11,093
Arkansas $5,710 $8,972 $9,879
California $6,358 $11,244 $6,358
Colorado $5,934 $8,304 $10,536
Connecticut $7,580 $11,757 $14,923
Delaware $6,276 $8,364 $10,742
Florida $7,472 $10,338 $13,470
Georgia $6,092 $9,109 $9,184
Hawaii $2,434 $3,303 $2,434
Idaho $4,228 $5,604 $6,814
Illinois $4,425 $6,688 $7,626
Indiana $4,546 $6,950 $7,799
Iowa $3,601 $4,938 $5,807
Kansas $4,790 $6,970 $8,152
Kentucky $6,925 $10,166 $12,004
Louisiana $8,890 $13,438 $14,571
Maine $3,362 $4,647 $6,860
Maryland $5,440 $7,918 $8,794
Massachusetts $4,363 $7,610 $4,363
Michigan $10,528 $16,043 $25,304
Minnesota $4,334 $5,778 $8,137
Mississippi $5,232 $7,462 $7,510
Missouri $4,930 $7,048 $9,258
Montana $5,012 $6,993 $8,140
Nebraska $4,236 $6,266 $6,806
Nevada $6,988 $10,365 $10,949
New Hampshire $4,861 $7,686 $9,717
New Jersey $5,356 $8,402 $10,995
New Mexico $5,469 $8,136 $8,444
New York $5,066 $6,379 $10,648
North Carolina $3,140 $5,395 $3,848
North Dakota $4,298 $6,531 $7,724
Ohio $3,832 $5,910 $6,060
Oklahoma $6,119 $8,761 $9,865
Oregon $5,568 $7,471 $8,923
Pennsylvania $4,690 $6,886 $8,057
Rhode Island $7,830 $11,486 $12,934
South Carolina $5,318 $7,370 $10,172
South Dakota $4,771 $6,875 $7,933
Tennessee $5,611 $8,260 $11,000
Texas $5,651 $8,164 $10,154
Utah $4,807 $6,736 $9,268
Vermont $3,700 $5,699 $6,024
Virginia $3,486 $5,352 $5,246
Washington $4,614 $6,263 $7,478
West Virginia $4,644 $6,649 $8,330
Wisconsin $4,628 $7,226 $8,241
Wyoming $4,321 $6,050 $6,442