Newer Lamborghini Huracáns cost more to insure than older models due to higher market values. Monthly premiums range from $112 for older Huracáns to about $327 for 2024 models.
Lamborghini Huracán Insurance Cost
Updated: January 19, 2026
Key Takeaways
The Hartford offers the most affordable Lamborghini Huracán insurance on average, though full coverage costs vary widely by model year and insurer, often running around $300 per month. Read more.
Sports cars usually carry higher premiums due to performance capabilities and repair costs. While the Huracán ranks 64th out of 115 sports cars for affordability, it remains expensive compared to average vehicles overall. Read more.
Teen drivers on your policy make model year specificity even more important when shopping for Huracán insurance rates that fit your budget. Read MoneyGeek's analysis of rates by company for specific Huracán model years depending on the age of the drivers.
How Much Is Lamborghini Huracán Insurance?
Insurance rates depend on model year and insurer. Lamborghini Huracán full coverage spans $182 monthly with UAIC to $493 with Farmers, while minimum coverage goes from $99 with GEICO to $271 with Farmers.
Rate variations exceeding $172 for minimum coverage and $311 for full coverage demonstrate why Huracán owners need to shop around. Companies calculate risk differently for each model, which affects your final quote.
| AAA | $170 | $356 |
| AIG | $188 | $467 |
| Allstate | $210 | $409 |
| Amica | $210 | $431 |
| Chubb | $195 | $382 |
| Farmers | $271 | $493 |
| Geico | $99 | $216 |
| Kemper | $106 | $220 |
| Nationwide | $125 | $218 |
| Progressive | $127 | $240 |
| State Farm | $132 | $280 |
| The Hartford | $113 | $193 |
| Travelers | $117 | $216 |
| UAIC | $146 | $182 |
Is Lamborghini Huracán Expensive to Insure?
Sports cars are notoriously expensive to insure, but MoneyGeek's analysis of 115 sports cars shows the Lamborghini Huracán sits right in the middle for affordability. It ranks 64th among sports cars, meaning 51 vehicles cost less to insure. You'll pay a few dollars more per month compared to a Ferrari 612, but it's slightly cheaper than insuring a BMW 8-series. This middle-tier positioning among high-performance vehicles tells only part of the cost story.
The Huracán's 735th place out of 827 total cars puts it among the top 11% most expensive vehicles to insure overall. While the Mazda MX-5 Miata claims the cheapest sports car spot and the Rolls Royce La Rose Noire commands the highest premiums, the Huracán's insurance costs reflect its supercar status.
| Porsche 911 | $224 | 61 |
| Lotus Emira | $224 | 62 |
| Ferrari 612 | $225 | 63 |
| Lamborghini Huracán | $226 | 64 |
| BMW 8-series | $230 | 65 |
| Ferrari Roma | $231 | 66 |
| Lamborghini Gallardo | $232 | 67 |
Several factors affect what you'll pay for Lamborghini Huracán insurance:
- Average Repair or Replacement Costs: Among Lamborghini's seven models, the Huracán ranks as the third most affordable to maintain with repair costs averaging $3,007 annually. While relatively budget-friendly for the brand, these costs still exceed most luxury vehicles.
- Vehicle Trim, Features and Accessories: The Huracán's performance drives up insurance costs. With 571 to 631 horsepower and 0 to 60 mph acceleration in 3.2 seconds, higher-performance trims cost more to insure because of steeper repair bills and greater risk.
- Driver Profile: Most Huracán owners fall between 30 to 50 years old with a median age around 40, and their higher incomes usually require increased coverage limits. The vehicle's performance reputation attracts risk-taking behaviors that raise insurer concerns. Read more about the costs of Lamborghini Huracáns for young drivers.
Lamborghini Huracán Insurance Cost by State
Car insurance for a Lamborghini Huracán costs anywhere from $56 per month in Wyoming to $287 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle model itself.
| Alabama | $132 | $256 |
| Alaska | $132 | $290 |
| Arizona | $168 | $317 |
| Arkansas | $140 | $308 |
| California | $139 | $284 |
| Colorado | $149 | $355 |
| Connecticut | $179 | $313 |
| Delaware | $171 | $288 |
| Florida | $161 | $383 |
| Georgia | $178 | $299 |
| Hawaii | $77 | $176 |
| Idaho | $93 | $193 |
| Illinois | $130 | $245 |
| Indiana | $101 | $196 |
| Iowa | $100 | $242 |
| Kansas | $123 | $286 |
| Kentucky | $167 | $288 |
| Louisiana | $287 | $609 |
| Maine | $85 | $177 |
| Maryland | $209 | $358 |
| Massachusetts | $142 | $305 |
| Michigan | $261 | $509 |
| Minnesota | $126 | $272 |
| Mississippi | $140 | $279 |
| Missouri | $185 | $369 |
| Montana | $136 | $332 |
| Nebraska | $109 | $247 |
| Nevada | $207 | $375 |
| New Hampshire | $110 | $198 |
| New Jersey | $198 | $330 |
| New Mexico | $128 | $283 |
| New York | $148 | $267 |
| North Carolina | $109 | $215 |
| North Dakota | $106 | $233 |
| Ohio | $116 | $228 |
| Oklahoma | $163 | $358 |
| Oregon | $150 | $260 |
| Pennsylvania | $140 | $329 |
| Rhode Island | $179 | $322 |
| South Carolina | $131 | $248 |
| South Dakota | $105 | $327 |
| Tennessee | $121 | $247 |
| Texas | $192 | $397 |
| Utah | $133 | $229 |
| Vermont | $81 | $196 |
| Virginia | $131 | $211 |
| Washington | $128 | $239 |
| West Virginia | $138 | $285 |
| Wisconsin | $114 | $256 |
| Wyoming | $56 | $174 |
Lamborghini Huracán Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays $331 monthly for full coverage on a 2024 Lamborghini Huracán compared to just $232 for a 2015 model. Model year and driver age both impact your Lamborghini Huracán insurance costs, with newer vehicles commanding higher premiums.
Teen and young adult drivers pay much higher rates across all model years. Nationwide offers the cheapest rates across all Huracán model years and could save certain drivers hundreds monthly. Shopping between insurers gives you the best opportunity to reduce your luxury car insurance costs.
Recent model years:
• 2024 Lamborghini Huracán Insurance Rates
• 2023 Lamborghini Huracán Insurance Rates
• 2022 Lamborghini Huracán Insurance Rates
• 2021 Lamborghini Huracán Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2024 Lamborghini Huracán
| Kemper | $111 | $233 |
| Nationwide | $112 | $195 |
| Geico | $116 | $256 |
| National General | $122 | $250 |
| The Hartford | $124 | $212 |
| Progressive | $127 | $238 |
| Travelers | $130 | $241 |
| State Farm | $138 | $291 |
| UAIC | $146 | $181 |
| AAA | $195 | $407 |
| AIG | $207 | $515 |
| Allstate | $216 | $425 |
| Chubb | $219 | $427 |
| Amica | $240 | $495 |
| Farmers | $330 | $599 |
Cost of Car Insurance for 2023 Lamborghini Huracán
| Nationwide | $104 | $182 |
| Kemper | $105 | $220 |
| Geico | $106 | $232 |
| The Hartford | $108 | $184 |
| National General | $114 | $234 |
| Travelers | $122 | $225 |
| State Farm | $124 | $260 |
| Progressive | $131 | $248 |
| UAIC | $143 | $177 |
| AAA | $176 | $367 |
| AIG | $191 | $475 |
| Chubb | $206 | $401 |
| Allstate | $210 | $411 |
| Amica | $223 | $458 |
| Farmers | $305 | $556 |
Cost of Car Insurance for 2022 Lamborghini Huracán
| The Hartford | $97 | $165 |
| Geico | $97 | $213 |
| Kemper | $101 | $210 |
| National General | $102 | $208 |
| Nationwide | $104 | $180 |
| Travelers | $108 | $200 |
| State Farm | $118 | $248 |
| Progressive | $127 | $239 |
| UAIC | $140 | $174 |
| AAA | $159 | $333 |
| AIG | $169 | $417 |
| Chubb | $179 | $349 |
| Amica | $194 | $398 |
| Allstate | $205 | $400 |
| Farmers | $279 | $509 |
Cost of Car Insurance for 2021 Lamborghini Huracán
| Geico | $73 | $160 |
| National General | $86 | $176 |
| Travelers | $91 | $168 |
| Kemper | $92 | $191 |
| State Farm | $93 | $195 |
| Nationwide | $106 | $184 |
| The Hartford | $115 | $197 |
| Progressive | $119 | $224 |
| AAA | $128 | $267 |
| UAIC | $135 | $167 |
| AIG | $143 | $351 |
| Chubb | $148 | $288 |
| Amica | $153 | $315 |
| Allstate | $173 | $337 |
| Farmers | $209 | $379 |
Cost of Car Insurance for 2020 Lamborghini Huracán
| The Hartford | $101 | $173 |
| Kemper | $102 | $212 |
| Geico | $132 | $291 |
| National General | $140 | $288 |
| Travelers | $145 | $269 |
| Progressive | $150 | $281 |
| UAIC | $154 | $193 |
| Nationwide | $166 | $289 |
| State Farm | $206 | $438 |
| AAA | $221 | $463 |
| AIG | $223 | $558 |
| Farmers | $228 | $418 |
| Allstate | $238 | $459 |
| Chubb | $254 | $494 |
| Amica | $277 | $571 |
Cost of Car Insurance for 2019 Lamborghini Huracán
| Geico | $90 | $196 |
| Kemper | $102 | $211 |
| National General | $107 | $220 |
| Travelers | $109 | $203 |
| The Hartford | $114 | $194 |
| Progressive | $124 | $233 |
| State Farm | $138 | $294 |
| Nationwide | $146 | $254 |
| UAIC | $148 | $185 |
| AAA | $157 | $329 |
| AIG | $176 | $436 |
| Chubb | $180 | $353 |
| Amica | $189 | $388 |
| Allstate | $195 | $379 |
| Farmers | $229 | $414 |
Cost of Car Insurance for 2018 Lamborghini Huracán
| Geico | $100 | $221 |
| Kemper | $110 | $231 |
| National General | $127 | $259 |
| Progressive | $127 | $239 |
| Travelers | $127 | $236 |
| The Hartford | $142 | $242 |
| UAIC | $147 | $184 |
| Nationwide | $154 | $268 |
| State Farm | $156 | $332 |
| AAA | $186 | $390 |
| AIG | $206 | $515 |
| Allstate | $207 | $404 |
| Chubb | $215 | $422 |
| Amica | $228 | $470 |
| Farmers | $263 | $476 |
Cost of Car Insurance for 2017 Lamborghini Huracán
| The Hartford | $103 | $176 |
| Geico | $118 | $259 |
| Kemper | $119 | $245 |
| Travelers | $141 | $263 |
| Progressive | $147 | $277 |
| National General | $150 | $307 |
| State Farm | $163 | $346 |
| UAIC | $166 | $211 |
| Nationwide | $168 | $294 |
| AAA | $195 | $409 |
| Allstate | $217 | $423 |
| Chubb | $241 | $479 |
| AIG | $243 | $614 |
| Amica | $258 | $531 |
| Farmers | $287 | $514 |
Cost of Car Insurance for 2016 Lamborghini Huracán
| Geico | $94 | $206 |
| The Hartford | $100 | $170 |
| Kemper | $110 | $227 |
| Travelers | $115 | $214 |
| Nationwide | $117 | $205 |
| National General | $119 | $243 |
| State Farm | $127 | $269 |
| Progressive | $129 | $243 |
| UAIC | $151 | $191 |
| AAA | $170 | $354 |
| Chubb | $190 | $378 |
| AIG | $196 | $490 |
| Amica | $213 | $437 |
| Allstate | $251 | $486 |
| Farmers | $282 | $513 |
Lamborghini Huracán Insurance Cost by Trim
Insurance costs for your Lamborghini Huracán vary by trim, from $405 monthly for full coverage on high-performance Sterrato Coupe variants to $112 for minimum coverage on basic Evo Coupe models. Performance features, rarity and market value determine where each trim falls in this range.
| Evo Coupe | $112 | $219 |
| Evo Spyder | $125 | $245 |
| Lp 610-4 Spyder | $143 | $281 |
| Lp 610-4 Performante Spyder | $143 | $282 |
| Sto Coupe | $147 | $292 |
| Evo Awd Coupe | $151 | $298 |
| Lp 610-4 Performante Coupe | $153 | $304 |
| Lp 610-4 Coupe | $153 | $303 |
| Evo Awd Spyder | $157 | $311 |
| Technica Coupe | $160 | $314 |
| Lp 580-2 Coupe | $166 | $329 |
| Lp 580-2 Spyder | $172 | $340 |
| Evo | $176 | $351 |
| Evo Fluo Capsule Awd Coupe | $186 | $370 |
| Sterato Awd Coupe | $196 | $391 |
| Sterrato Coupe | $203 | $405 |
How to Lower the Cost of Lamborghini Huracán Insurance
These strategies help you find affordable Lamborghini Huracán insurance without sacrificing essential coverage:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Lamborghini Huracán. Own your supercar outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for luxury sports cars. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for high-performance vehicles like yours.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage or slower service when you need them most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Lamborghini Huracán owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device discounts. These reductions can lower your premium costs without sacrificing coverage quality.
- 5Consider Alternative Car Insurance Types
Lamborghini Huracán owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior rather than general risk categories.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Lamborghini Huracán insurance premiums.
Lamborghini Huracán Insurance Cost: Bottom Line
Lamborghini Huracán insurance costs more than average, but you can still find decent rates. Compare quotes from multiple insurers, claim eligible discounts and adjust coverage options to get better pricing.
Lamborghini Huracán Insurance Rates: FAQ
What is the average cost of car insurance for a Lamborghini Huracán?
Insurance for a Lamborghini Huracán averages $3,597 annually for full coverage and $1,821 yearly for state minimum coverage. Monthly costs run about $300 for comprehensive protection.
What company has the cheapest car insurance for a Lamborghini Huracán?
GEICO provides the most affordable minimum coverage for a Lamborghini Huracán at $1,183 annually. For full coverage, UAIC delivers the best value at $2,189 per year.
Are Lamborghini Huracáns expensive to insure?
Yes, Lamborghini Huracán insurance costs more than most vehicles. Among sports cars specifically, this model ranks 64th out of 115 for affordability, while placing 735th out of 827 total vehicles we track.
What factors affect insurance costs for Lamborghini Huracáns?
Multiple factors affect Lamborghini Huracán insurance costs. High-performance engines and expensive specialized parts make repairs costly, while the luxury sports car's theft appeal concerns insurers. Your driving record, credit score, and coverage selections also impact your premium rates.
How can I lower Lamborghini Huracán insurance costs?
Compare quotes from multiple insurers since Lamborghini Huracán costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with other policies and maintain a clean driving record to secure better rates.
How We Determined Lamborghini Huracán Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Lamborghini Huracán insurance costs.
Who We Based These Rates On
These Lamborghini Huracán rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.