Lamborghini Urus vs Mercedes-Benz G-Class Insurance Cost
The Mercedes-Benz G-Class is cheaper to insure by about $1,330 a year for full coverage by our estimate ($3,890 vs. $2,560), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Lamborghini Urus | Mercedes-Benz G-Class | Difference |
|---|---|---|---|
| State minimum | $580 | $550 | +$30 |
| Standard (100/300/100) | $845 | $800 | +$45 |
| Full coverage | $3,890 | $2,560 | +$1,330 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Urus minus G-Class.
Why one costs more to insure
| Factor | Lamborghini Urus | Mercedes-Benz G-Class |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Plug-in hybrid | Gasoline, Hybrid, Electric |
| HLDI collision (100 = avg) | 477 | 184 |
| HLDI comprehensive | 577 | 439 |
| HLDI property damage liability | 94 | 86 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 3 |
Collision losses are the biggest swing factor: the Lamborghini Urus has 293 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Mercedes-Benz G-Class.
Urus vs G-Class insurance by state
By driver profile (full coverage)
| Driver | Urus | G-Class |
|---|---|---|
| Teen driver (18, own policy) | $10,700 | $7,035 |
| Young adult (22) | $6,225 | $4,090 |
| Adult in their 30s | $3,890 | $2,560 |
| Adult in their 50s | $3,580 | $2,355 |
| Senior (72) | $4,360 | $2,865 |
| 30s, one at-fault accident | $5,640 | $3,710 |
| 30s, DUI on record | $7,200 | $4,730 |
More comparisons
Frequently asked questions
Is the Lamborghini Urus or the Mercedes-Benz G-Class cheaper to insure?
By our estimate the Mercedes-Benz G-Class is cheaper, by about $1,330 a year for full coverage ($3,890 vs. $2,560) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Lamborghini Urus and Mercedes-Benz G-Class?
Mostly because of insurance-loss history: HLDI collision indices of 477 vs. 184 and comprehensive indices of 577 vs. 439 (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.