Lamborghini Urus vs BMW X6 Insurance Cost

The BMW X6 is cheaper to insure by about $1,585 a year for full coverage by our estimate ($3,890 vs. $2,305), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Lamborghini Urus	BMW X6	Difference
State minimum	$580	$680	−$100
Standard (100/300/100)	$845	$985	−$140
Full coverage	$3,890	$2,305	+$1,585

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Urus minus X6.

Why one costs more to insure

Factor	Lamborghini Urus	BMW X6
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Plug-in hybrid	Gasoline, Hybrid
HLDI collision (100 = avg)	477	198
HLDI comprehensive	577	195
HLDI property damage liability	94	124
HLDI bodily injury liability	—	117
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	6

Collision losses are the biggest swing factor: the Lamborghini Urus has 279 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW X6.

Urus vs X6 insurance by state

State	Urus	X6	Difference
Alabama	$3,675	$2,070	+$1,605
Alaska	$3,455	$2,035	+$1,420
Arizona	$4,025	$2,395	+$1,630
Arkansas	$3,935	$2,140	+$1,795
California	$3,960	$2,310	+$1,650
Colorado	$4,810	$2,680	+$2,130
Connecticut	$3,785	$2,370	+$1,415
Delaware	$3,720	$2,425	+$1,295
District of Columbia	$5,005	$2,935	+$2,070
Florida	$4,515	$3,045	+$1,470
Georgia	$4,230	$2,715	+$1,515
Hawaii	$2,800	$1,625	+$1,175
Idaho	$2,725	$1,580	+$1,145
Illinois	$3,540	$2,035	+$1,505
Indiana	$2,930	$1,675	+$1,255
Iowa	$3,230	$1,685	+$1,545
Kansas	$3,675	$1,955	+$1,720
Kentucky	$3,240	$1,925	+$1,315
Louisiana	$5,260	$3,150	+$2,110
Maine	$2,660	$1,510	+$1,150
Maryland	$4,155	$2,540	+$1,615
Massachusetts	$3,825	$2,270	+$1,555
Michigan	$4,350	$2,540	+$1,810
Minnesota	$3,650	$2,000	+$1,650
Mississippi	$4,065	$2,270	+$1,795
Missouri	$3,835	$2,150	+$1,685
Montana	$3,730	$1,965	+$1,765
Nebraska	$3,680	$1,955	+$1,725
Nevada	$3,580	$2,445	+$1,135
New Hampshire	$2,915	$1,680	+$1,235
New Jersey	$4,010	$2,625	+$1,385
New Mexico	$3,680	$2,105	+$1,575
New York	$4,645	$2,960	+$1,685
North Carolina	$3,320	$1,815	+$1,505
North Dakota	$3,190	$1,620	+$1,570
Ohio	$2,955	$1,685	+$1,270
Oklahoma	$4,005	$2,175	+$1,830
Oregon	$3,100	$1,975	+$1,125
Pennsylvania	$3,715	$2,085	+$1,630
Rhode Island	$4,230	$2,680	+$1,550
South Carolina	$3,800	$2,370	+$1,430
South Dakota	$3,985	$1,960	+$2,025
Tennessee	$3,530	$1,980	+$1,550
Texas	$5,015	$2,810	+$2,205
Utah	$3,175	$2,010	+$1,165
Vermont	$2,935	$1,590	+$1,345
Virginia	$3,370	$1,985	+$1,385
Washington	$3,075	$1,935	+$1,140
West Virginia	$3,705	$2,020	+$1,685
Wisconsin	$2,955	$1,635	+$1,320
Wyoming	$4,025	$2,000	+$2,025

By driver profile (full coverage)

Driver	Urus	X6
Teen driver (18, own policy)	$10,700	$6,335
Young adult (22)	$6,225	$3,685
Adult in their 30s	$3,890	$2,305
Adult in their 50s	$3,580	$2,120
Senior (72)	$4,360	$2,580
30s, one at-fault accident	$5,640	$3,340
30s, DUI on record	$7,200	$4,260

More comparisons

Frequently asked questions

Is the Lamborghini Urus or the BMW X6 cheaper to insure?

By our estimate the BMW X6 is cheaper, by about $1,585 a year for full coverage ($3,890 vs. $2,305) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lamborghini Urus and BMW X6?

Mostly because of insurance-loss history: HLDI collision indices of 477 vs. 198 and comprehensive indices of 577 vs. 195 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page