Ferrari Car Insurance Cost (2026)

Ferrari full coverage car insurance averages $443 a month ($5,313 a year). Minimum coverage runs $224 a month ($2,685 a year). MoneyGeek calculated these figures across all 20 Ferrari models in its dataset, and they work as a starting point for how much car insurance you need.

The LaFerrari, F60 and F80 each top $3,000 a month for full coverage. These three supercars drag the brand average well above what most Ferrari owners actually pay. The F430 runs $271 a month, the 296 costs $309, the Roma costs $307 and the California costs $297. Ferrari prices next to other high-value makes in MoneyGeek's guide to cheapest full coverage car insurance.

Ferrari ranks 56th of 59 makes by average premium, among the four most expensive brands to insure in the U.S. McLaren ranks 55th at $274 a month. Ineos ranks 57th at $377 a month.

Three hypercar models push Ferrari's $443-a-month brand average above both neighbors. The LaFerrari costs $3,254 a month. The F60 costs $3,198. The F80 costs $3,487. Pull those three from the calculation and the remaining 17 Ferrari models average considerably less than the brand headline. The F430, 296, Roma and California owners are paying a different price story than the brand ranking tells.

Two structural factors keep mainstream Ferrari rates elevated relative to comparable-value sports cars. Ferrari's powertrain and body components come from Maranello and require factory-certified technicians. Labor rates and parts lead times run higher than any volume manufacturer, so even minor collision claims carry outsized repair costs.

Ferrari's driver base also skews toward high-mileage enthusiasts who track their vehicles. That adds an actuarial risk premium over equivalent-value sports cars driven conservatively. Insurers price both factors in regardless of which Ferrari model a buyer chooses. See best car insurance companies for a broader look at top providers.

The cheapest full coverage option for Ferrari owners is Progressive, one of the cheapest car insurance companies at $479 per month, while Farmers charges $1,370 per month for the same vehicle, an $891 monthly gap that equals $10,692 per year on an identical car. For minimum coverage, UAIC is the most affordable at $373 per month. These figures are averages across all Ferrari models, including the hypercar outliers, so drivers of mainstream Ferrari models will see lower rates across the board from every insurer on this list. 

Shopping multiple insurers is the highest-leverage action a Ferrari owner can take. The $891 monthly difference between Progressive and Farmers represents a gap that no discount, deductible adjustment, or mileage reduction can replicate. Travelers ($558/mo), National General ($571/mo), and Kemper ($584/mo) round out the most affordable full coverage options for Ferrari buyers.

Ferrari insurance costs range from $271 per month for full coverage on the F430 to $3,487 per month on the F80, a spread of more than $3,200 within a single brand. Three models, the LaFerrari, F60, and F80, are hypercar outliers priced in an entirely different tier from the rest of the lineup. Buyers of mainstream Ferrari models should disregard the brand average as their benchmark and focus instead on the model-specific figures below.

The F430 is the most affordable Ferrari to insure at $271 a month for full coverage. Among model years, the 2006 costs the least at $246 a month. The 2005 costs the most at $326 a month.

Ferrari produced the F430 from 2005 to 2009. Its age and wider aftermarket parts availability, compared with newer Ferraris, keep it near the bottom of the brand's insurance range. That makes it a good pick for buyers prioritizing total ownership cost.

The Ferrari 488 averages $290 a month for full coverage. Among model years, the 2019 costs the least at $222 a month. The 2017 costs the most at $326 a month.

The 2016 and 2017 model years run $325 to $326 a month, higher than the surrounding years. Replacement part costs often haven't stabilized yet on the used market for mid-production Ferrari years.

The Ferrari F8 averages $295 a month for full coverage. Among model years, the 2020 costs the least at $203 a month. The 2023 costs the most at $371 a month.

Rates climb with model year. Newer F8s carry more complex aerodynamic systems, which raises their replacement cost.

The Ferrari California averages $297 a month for full coverage across 10 model years. Among model years, the 2009 costs the least at $227 a month. The 2016 costs the most at $339 a month.

Rates stay within a $227 to $339 a month range across the California's full production run. Any model year offers a predictable insurance cost.

The Ferrari 612 averages $299 per month for full coverage with a notable anomaly: the 2011 costs just $169 per month while 2007 to 2009 range from $328 to $353 per month. The 2011 rate likely reflects the 612's declining secondary market value toward end of life. It was the final production year and used-market values had softened considerably by that point.

The Ferrari Roma averages $307 a month for full coverage. Among model years, the 2020 costs the least at $252 a month. The 2024 costs the most at $352 a month.

The Roma dipped to $249 a month in 2021, then climbed to $352 a month by 2024. Replacement values rise as a vehicle stays in current production, which pushes newer model-year costs higher.

The Ferrari 296 averages $309 a month for full coverage across three model years. The 2023 costs the least at $296 a month. The 2025 costs the most at $323 a month, a tight spread across all available years.

The 296 is a current-production model. Rates are expected to climb as newer model years carry higher replacement values.

The Ferrari 360 averages $311 per month for full coverage, with the 2000 as the cheapest year at $201 per month and the 2005 as the most expensive at $334 per month. All years cluster between $201 and $334 per month. The 2000 rate is much lower, likely due to substantially lower market value on the earliest production year before the 360's collector status was established.

The Ferrari 458 averages $322 per month for full coverage. The 2010 model year is the cheapest at $204 per month, while the 2015 is the most expensive at $402 per month. The 2012 and 2010 years ($231 and $204/mo) are notably cheaper than the 2013 through 2016 range ($314 to $402/mo). Buyers seeking the best insurance value in a used 458 should target the 2010 through 2012 production years.

The Ferrari Portofino averages $328 a month for full coverage. Among model years, the 2021 costs the least at $215 a month. The 2023 costs the most at $398 a month.

The 2021 rate of $215 a month sits well below the 2018 to 2020 range of $287 to $351 a month. Buyers considering this year should get a direct quote, since the lower rate may come from model-year-specific actuarial factors rather than a broader trend across the Portofino line.

The Ferrari FF averages $330 a month for full coverage across six model years. The 2011 costs the least at $298 a month. The 2013 costs the most at $358 a month.

The FF is Ferrari's only four-seat grand tourer. Rates stay within a $298 to $358 a month range across its full production run. Market values have stayed stable for this collectible but niche model.

The Ferrari Purosangue is Ferrari's first SUV, with three years of data now available. The 2023 model year costs the least at $319 a month for full coverage. The 2025 model year costs the most at $385 a month.

The Purosangue is now in its third model year of current production. Rates are climbing as replacement values on newer units increase, and that trend is expected to continue.

The Ferrari 812 averages $362 a month for full coverage across seven model years. The 2018 model year costs the least at $210 a month. The 2022 model year costs the most at $424 a month.

The 2018 launch year runs lower than every year that followed it. Insurers often add risk premium once a model builds up a claims history.

The Ferrari 12 Cilindri costs $413 a month for full coverage, with only 2025 data available. It is Ferrari's newest V12 grand tourer, succeeding the 812 Superfast.

Insurers are pricing early-life uncertainty into this rate since only one year of data exists. Owners should re-quote annually as the model's claims profile develops. The 12 Cilindri prices alongside other performance vehicles in MoneyGeek's guide to cheapest car insurance for sports cars.

The Ferrari F12 averages $415 a month for full coverage, with a sharp anomaly across model years. The 2016 costs $575 a month. The 2013 costs $197 a month, a $378 a month spread within the same model.

The 2016 and 2017 years run $523 to $575 a month. That's well above the 2013 to 2015 range of $197 to $323 a month. Used F12 buyers should treat year selection as a factor that directly affects premium cost.

The Ferrari 599 averages $451 a month for full coverage across a wide range. The 2008 costs $245 a month. The 2011 costs $689 a month.

The 2011 is the final production year for the 599. Last-year models from limited-production manufacturers often command a premium in the secondary market. Insurers factor that value into their replacement cost estimates.

The Ferrari SF90 averages $542 a month for full coverage. The SF90 is Ferrari's flagship plug-in hybrid. Rates run from $361 a month for the 2021 model year to $734 a month for the 2025 model year.

The rate climbed from $361 to $734 a month between 2021 and 2025. Rising market value plays a part. So does the growing replacement cost of the SF90's complex hybrid powertrain and electrical systems.

The Ferrari F60 costs $3,198 per month for full coverage, among the highest in the Ferrari lineup. Only 2016 data is available. The F60 America was produced in a run of just 10 units as a U.S.-market exclusive tribute to Ferrari's racing heritage. With replacement cost in the multiple millions and no comparable vehicles, insurers treat this as an agreed-value asset rather than a standard automobile.

The Ferrari LaFerrari averages $3,254 per month for full coverage across four model years. The 2016 model year is the cheapest at $2,576 per month, while the 2017 is the most expensive at $4,398 per month. With only 499 standard units produced plus 210 Aperta convertibles, and a current secondary market value approaching $5 million, the LaFerrari represents the apex of conventional Ferrari insurance cost, exceeded only by the F80.

The Ferrari F80 costs $3,487 per month for full coverage, the most expensive model in the Ferrari lineup. Only 2025 data is available. Ferrari announced a production run of 799 units at a base price of approximately $4 million. With a 1,200-horsepower hybrid V6 derived from Formula 1 technology and essentially no repair infrastructure outside the factory, insurers price this at the outer limit of their underwriting models. For performance vehicle comparisons, see cheapest car insurance for sports cars.