Ferrari Car Insurance Cost (2026)

Ferrari full coverage car insurance averages $443 per month ($5,313 per year), while minimum coverage averages $224 per month ($2,685 per year). These figures represent the brand average across all 20 Ferrari models in MoneyGeek's dataset and provide a useful starting point when deciding how much car insurance you need.

Three Ferrari models, the LaFerrari, F60, and F80, each cost more than $3,000 per month for full coverage and pull the brand average considerably higher than the mainstream lineup warrants. Drivers of models like the F430 ($271/mo), 296 ($309/mo), Roma ($307/mo), or California ($297/mo) will pay far less than the brand headline suggests. You can look at the cheapest full coverage car insurance for context on how Ferraris compare to other high-value makes.

Ferrari ranks 56th of 59 makes by average premium, placing it among the four most expensive brands to insure in the U.S. market. McLaren sits just above at 55th ($274/mo), while Ineos falls just below at 57th ($377/mo). The brand average of $443/mo for full coverage is pulled sharply upward by three hypercar models: the LaFerrari ($3,254/mo), F60 ($3,198/mo), and F80 ($3,487/mo). Remove those three outliers and the effective average for the remaining 17 Ferrari models drops well below the headline figure. Drivers of sports models, including the F430, 296, Roma, and California, should treat the brand average as an irrelevant benchmark for their purchasing decision.

Two structural factors keep mainstream Ferrari rates elevated relative to comparable-value sports cars. First, Ferrari's powertrain and body components are manufactured in Maranello and require factory-certified technicians. Labor rates and parts lead times are structurally higher than any volume manufacturer, meaning even minor collision claims carry outsized repair costs. Second, Ferrari's driver demographic skews toward high-mileage enthusiasts who also track their vehicles, creating a meaningful actuarial risk premium over equivalent-value sports cars driven conservatively. Both factors are reflected in insurer pricing regardless of which model a buyer chooses. For a broader look at top providers, see best car insurance companies.

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 per month for full coverage. The 2006 model year is the cheapest at $246 per month, while the 2005 is the most expensive at $326 per month. Produced from 2005 to 2009, the F430's age and broader aftermarket parts availability relative to newer Ferraris keep it near the bottom of the brand's insurance range, a meaningful advantage for buyers prioritizing total ownership cost.

The Ferrari 488 averages $290 per month for full coverage. The 2019 model year is the cheapest at $222 per month, while the 2017 is the most expensive at $326 per month. The 2016 and 2017 years ($325 to $326/mo) are notably higher than surrounding years, a pattern common in mid-production Ferrari years where replacement part costs have not yet stabilized on the used market.

The Ferrari F8 averages $295 per month for full coverage. The 2020 model year is the cheapest at $203 per month, while the 2023 is the most expensive at $371 per month. The rate climbs steadily with model year, reflecting the F8's rising replacement cost on newer vehicles with more complex aerodynamic systems.

The Ferrari California averages $297 per month for full coverage across 10 model years. The 2009 is the cheapest year at $227 per month, while the 2016 is the most expensive at $339 per month. Rates are relatively stable across the California's full production run ($227 to $339/mo), making any year a predictable choice from an insurance cost perspective.

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 per month for full coverage. The 2020 model year is the cheapest at $252 per month, while the 2024 is the most expensive at $352 per month. The Roma's 2021 dip to $249 per month followed by a 2024 climb to $352 per month reflects the pattern of newer model-year costs rising as replacement values increase on a current-production vehicle.

The Ferrari 296 averages $309 per month for full coverage across three model years. The 2023 is the cheapest at $296 per month and the 2025 is the most expensive at $323 per month, a tight spread across all available years. As a current-production model, rates are expected to climb gradually 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 per month for full coverage. The 2021 model year is the cheapest at $215 per month, while the 2023 is the most expensive at $398 per month. The 2021 dip ($215/mo) relative to the 2018 to 2020 range ($287 to $351/mo) is worth noting. Buyers should quote this year directly, as it may reflect model-year-specific actuarial factors rather than a structural trend.

The Ferrari FF averages $330 per month for full coverage across six model years, with the 2011 as the cheapest at $298 per month and the 2013 as the most expensive at $358 per month. The FF is Ferrari's only four-seat grand tourer. Rates are consistent across its full production run ($298 to $358/mo), reflecting stable market values on a collectible but niche model.

The Ferrari Purosangue is Ferrari's first SUV, with three years of data now available. The 2023 model year is the cheapest at $319 per month for full coverage, while the 2025 is the most expensive at $385 per month. As a current-production vehicle entering its third model year, rates are climbing gradually, a pattern expected to continue as replacement values on newer units increase.

The Ferrari 812 averages $362 per month for full coverage across seven model years. The 2018 model year is the cheapest at $210 per month, while the 2022 is the most expensive at $424 per month. The 2018 launch year ($210/mo) is notably lower than all subsequent years, a common pattern where insurers build in additional risk premium once a model's claims history accumulates.

The Ferrari 12 Cilindri costs $413 per month for full coverage with only 2025 data available. It is Ferrari's newest V12 grand tourer, succeeding the 812 Superfast. With one year of data, insurers are pricing early-life uncertainty into this rate. Owners should re-quote annually as the model's claims profile develops. For performance vehicle comparisons, see cheapest car insurance for sports cars.

The Ferrari F12 averages $415 per month for full coverage with a sharp anomaly: the 2016 costs $575 per month while the 2013 costs just $197 per month, a $378 per month spread within the same model. The 2016 and 2017 years ($523 to $575/mo) are much higher than the 2013 to 2015 range ($197 to $323/mo), making year selection critical for used F12 buyers.

The Ferrari 599 averages $451 per month for full coverage, but its range is wide: the 2008 costs $245 per month while the 2011 costs $689 per month. The 2011 is the final production year for the 599, and last-year models from limited-production manufacturers frequently command a premium in the secondary market, a value that insurers reflect in their replacement cost estimates.

The Ferrari SF90 averages $542 per month for full coverage. Ferrari's flagship plug-in hybrid, the SF90, ranges from $361 per month for the 2021 model year to $734 per month for the 2025 model year. The rate climb from 2021 to 2025 ($361 to $734/mo) reflects both the SF90's rising market value and the growing replacement cost of its 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.