Ferrari Insurance Cost
Across 6 current Ferrari models, full coverage averages about $2,341 a year by our estimate — +47% versus the average vehicle ($1,590).
Ferrari insurance profile
Ferrari is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 5 luxury sports cars and 1 luxury suv. HLDI collision losses for its models average 388 (100 = all-vehicle average).
Every Ferrari model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Purosangue | Luxury SUV | 2024–2026 | — | $1,760 | +11% |
| 12Cilindri | Luxury sports car | 2026–2026 | — | $2,145 | +35% |
| F80 | Luxury sports car | 2026–2026 | — | $2,145 | +35% |
| 296 | Luxury sports car | 2022–2026 | — | $2,145 | +35% |
| Amalfi | Luxury sports car | 2027–2027 | — | $2,200 | +38% |
| Roma | Luxury sports car | 2021–2026 | 388 | $3,650 | +130% |
Older and discontinued Ferrari models
- Daytona SP3 2023–2025
- SF90 2021–2025
- 812 2018–2024
- Monza SP 2023–2023
- F8 2020–2023
- Portofino 2019–2023
- GTC4Lusso 2017–2020
- 488 2016–2020
- California 2009–2018
- LaFerrari 2014–2017
- F12berlinetta 2013–2017
- F60 America 2016–2016
- FF 2012–2016
- 458 2010–2015
- 599 2006–2011
- 612 Scaglietti 2005–2011
- F430 2005–2009
- 360 2005–2005
- 575M 2005–2005
What makes Ferrari insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- Claims history: HLDI collision indices across 1 models range from 388 to 388, so the model you pick matters as much as the brand.
- Segment mix: 5 luxury sports car, 1 luxury suv.
Average Ferrari insurance cost by state
Average full-coverage estimate across current Ferrari models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,582 | −32% |
| Idaho | $1,653 | −29% |
| Vermont | $1,682 | −28% |
| Hawaii | $1,698 | −27% |
| Wisconsin | $1,719 | −27% |
| North Dakota | $1,733 | −26% |
| Indiana | $1,752 | −25% |
| New Hampshire | $1,754 | −25% |
| Ohio | $1,767 | −25% |
| Iowa | $1,790 | −24% |
| North Carolina | $1,918 | −18% |
| Washington | $1,997 | −15% |
| Kentucky | $2,003 | −14% |
| Oregon | $2,033 | −13% |
| Kansas | $2,068 | −12% |
| Utah | $2,070 | −12% |
| Virginia | $2,071 | −12% |
| Nebraska | $2,073 | −11% |
| Montana | $2,082 | −11% |
| Tennessee | $2,082 | −11% |
| South Dakota | $2,104 | −10% |
| Minnesota | $2,110 | −10% |
| Alaska | $2,120 | −9% |
| Illinois | $2,130 | −9% |
| West Virginia | $2,131 | −9% |
| Wyoming | $2,140 | −9% |
| Alabama | $2,174 | −7% |
| Pennsylvania | $2,188 | −7% |
| New Mexico | $2,202 | −6% |
| Missouri | $2,256 | −4% |
| Arkansas | $2,259 | −3% |
| Oklahoma | $2,297 | −2% |
| Massachusetts | $2,363 | +1% |
| Mississippi | $2,388 | +2% |
| California | $2,411 | +3% |
| Connecticut | $2,447 | +5% |
| South Carolina | $2,448 | +5% |
| Delaware | $2,491 | +6% |
| Nevada | $2,491 | +6% |
| Arizona | $2,493 | +7% |
| Maryland | $2,629 | +12% |
| Michigan | $2,653 | +13% |
| New Jersey | $2,688 | +15% |
| Rhode Island | $2,761 | +18% |
| Georgia | $2,790 | +19% |
| Colorado | $2,816 | +20% |
| Texas | $2,949 | +26% |
| New York | $3,044 | +30% |
| District of Columbia | $3,058 | +31% |
| Florida | $3,106 | +33% |
| Louisiana | $3,273 | +40% |
Frequently asked questions
How much does it cost to insure a Ferrari?
Across 6 current Ferrari models, our full-coverage estimate averages $2,341 a year for a driver in their 30s with a clean record, 47% more than the average vehicle ($1,590).
What is the cheapest Ferrari to insure?
The Ferrari Purosangue has the lowest estimate at about $1,760 a year for full coverage; the Ferrari Roma is the most expensive at about $3,650.
Are Ferrari repairs expensive for insurers?
HLDI collision-loss data for 1 Ferrari models averages 388 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Ferrari?
By our estimates, Maine is the cheapest state (about $1,582 a year on average across current models) and Louisiana the most expensive (about $3,273).
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.