Lamborghini Insurance Rates

The average cost of car insurance for a Lamborghini model is about $6,400 per year.

This is $4,333 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. 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

These Lamborghini insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Lamborghini Model

Model Good Driver Recent Accident Poor Credit
Lamborghini Aventador Insurance Cost $6,822 $10,161 $12,011
Lamborghini Huracan Insurance Cost $5,977 $8,903 $10,525

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 $21,677 $32,288 $38,167
18 $20,202 $30,090 $35,570
19 $17,853 $26,592 $31,434
20 $15,567 $23,186 $27,409
21 $13,054 $19,444 $22,985
22 $12,714 $18,937 $22,385
23 $11,124 $16,570 $19,587
24 $10,568 $15,742 $18,608
25 $9,120 $13,584 $16,058
30 $7,104 $10,582 $12,510
35 $6,654 $9,911 $11,716
40 $6,400 $9,532 $11,268
45 $6,227 $9,276 $10,964
55 $5,711 $8,507 $10,056
65 $5,957 $8,874 $10,489
75 $7,519 $11,200 $13,240

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 $6,780 $9,498 $11,888
Alaska $5,608 $8,169 $8,559
Arizona $6,340 $9,836 $14,024
Arkansas $6,952 $10,530 $11,780
California $7,740 $13,537 $7,740
Colorado $7,222 $10,000 $12,473
Connecticut $9,228 $14,267 $18,274
Delaware $7,640 $10,518 $13,964
Florida $9,096 $12,355 $16,108
Georgia $7,416 $11,430 $11,727
Hawaii $2,962 $4,088 $2,962
Idaho $5,146 $6,926 $8,623
Illinois $5,387 $7,962 $9,234
Indiana $5,534 $8,648 $10,092
Iowa $4,384 $6,576 $7,662
Kansas $5,832 $8,586 $10,171
Kentucky $8,430 $12,682 $14,914
Louisiana $10,823 $16,540 $17,808
Maine $4,092 $5,489 $8,010
Maryland $6,623 $9,710 $11,468
Massachusetts $5,310 $8,982 $5,310
Michigan $12,816 $19,268 $29,626
Minnesota $5,276 $7,086 $10,491
Mississippi $6,368 $9,620 $10,162
Missouri $6,001 $8,265 $10,689
Montana $6,102 $9,547 $10,530
Nebraska $5,157 $7,301 $8,306
Nevada $8,506 $12,841 $14,087
New Hampshire $5,918 $9,537 $12,145
New Jersey $6,520 $10,279 $13,260
New Mexico $6,658 $9,581 $10,759
New York $6,167 $8,032 $12,964
North Carolina $3,823 $6,172 $4,756
North Dakota $5,232 $8,053 $10,222
Ohio $4,664 $7,629 $7,904
Oklahoma $7,448 $11,184 $12,686
Oregon $6,778 $10,238 $11,744
Pennsylvania $5,710 $8,634 $9,909
Rhode Island $9,532 $14,628 $16,730
South Carolina $6,474 $9,369 $13,368
South Dakota $5,808 $7,992 $9,588
Tennessee $6,830 $10,217 $12,892
Texas $6,879 $10,125 $12,708
Utah $5,852 $8,462 $11,670
Vermont $4,504 $7,203 $7,874
Virginia $4,243 $6,390 $6,788
Washington $5,618 $8,440 $9,952
West Virginia $5,652 $8,231 $10,164
Wisconsin $5,634 $8,226 $9,990
Wyoming $5,260 $7,730 $8,642

Other Important Lamborghini Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Lamborghini models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Lamborghini? We have millions of new and used vehicles listed. Here are some Lamborghini models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.