Lamborghini Insurance Cost
Across 1 current Lamborghini models, full coverage averages about $3,890 a year by our estimate — +145% versus the average vehicle ($1,590).
Lamborghini insurance profile
Lamborghini is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 1 luxury suv. HLDI collision losses for its models average 477 (100 = all-vehicle average).
Every Lamborghini model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Urus | Luxury SUV | 2019–2026 | 477 | $3,890 | +145% |
Older and discontinued Lamborghini models
What makes Lamborghini 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 477 to 477, so the model you pick matters as much as the brand.
- Segment mix: 1 luxury suv.
Average Lamborghini insurance cost by state
Average full-coverage estimate across current Lamborghini models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $2,760 | −29% |
| Idaho | $2,825 | −27% |
| Hawaii | $2,905 | −25% |
| New Hampshire | $3,025 | −22% |
| Indiana | $3,045 | −22% |
| Vermont | $3,055 | −21% |
| Ohio | $3,070 | −21% |
| Wisconsin | $3,070 | −21% |
| Washington | $3,185 | −18% |
| Oregon | $3,205 | −18% |
| Utah | $3,285 | −16% |
| North Dakota | $3,325 | −15% |
| Iowa | $3,360 | −14% |
| Kentucky | $3,360 | −14% |
| North Carolina | $3,450 | −11% |
| Virginia | $3,495 | −10% |
| Alaska | $3,585 | −8% |
| Tennessee | $3,665 | −6% |
| Illinois | $3,675 | −6% |
| Nevada | $3,690 | −5% |
| Minnesota | $3,790 | −3% |
| Alabama | $3,815 | −2% |
| Kansas | $3,820 | −2% |
| New Mexico | $3,820 | −2% |
| Nebraska | $3,825 | −2% |
| Delaware | $3,840 | −1% |
| West Virginia | $3,855 | −1% |
| Pennsylvania | $3,860 | −1% |
| Montana | $3,880 | 0% |
| Connecticut | $3,915 | +1% |
| South Carolina | $3,935 | +1% |
| Massachusetts | $3,965 | +2% |
| Missouri | $3,980 | +2% |
| Arkansas | $4,090 | +5% |
| California | $4,110 | +6% |
| New Jersey | $4,140 | +6% |
| South Dakota | $4,150 | +7% |
| Oklahoma | $4,165 | +7% |
| Arizona | $4,170 | +7% |
| Wyoming | $4,195 | +8% |
| Mississippi | $4,220 | +8% |
| Maryland | $4,300 | +11% |
| Georgia | $4,370 | +12% |
| Rhode Island | $4,375 | +12% |
| Michigan | $4,515 | +16% |
| Florida | $4,655 | +20% |
| New York | $4,805 | +24% |
| Colorado | $4,990 | +28% |
| District of Columbia | $5,195 | +34% |
| Texas | $5,210 | +34% |
| Louisiana | $5,450 | +40% |
Frequently asked questions
How much does it cost to insure a Lamborghini?
Across 1 current Lamborghini models, our full-coverage estimate averages $3,890 a year for a driver in their 30s with a clean record, 2.4 times the average vehicle ($1,590).
What is the cheapest Lamborghini to insure?
The Lamborghini Urus has the lowest estimate at about $3,890 a year for full coverage; the Lamborghini Urus is the most expensive at about $3,890.
Are Lamborghini repairs expensive for insurers?
HLDI collision-loss data for 1 Lamborghini models averages 477 (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 Lamborghini?
By our estimates, Maine is the cheapest state (about $2,760 a year on average across current models) and Louisiana the most expensive (about $5,450).
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.