Lamborghini Huracán insurance costs average $152 monthly for minimum coverage and $300 for full coverage. Depending on your particular trim and model year, costs can range from $102 to $405 monthly for Lamborghini Huracán insurance.
Lamborghini Huracán Insurance Cost
Updated: September 29, 2025
Key Takeaways
Lamborghini Huracán insurance costs range from $102 to $405 monthly depending on your coverage choice and vehicle specifications.
The Huracán ranks 735th for insurance affordability in the United States market, making it one of the most expensive cars to insure.
UAIC offers the most affordable full coverage for Lamborghini Huracán owners at $182 monthly, while minimum coverage starts around $99 per month from select providers.
How Much Is Lamborghini Huracán Insurance?
| Lamborghini Huracán | $152 | $300 |
Lamborghini Huracán Insurance Cost by Model Year
Your rates change based on your Huracán's model year and available trims from that period. Newer models usually cost more because of their higher fair value. Monthly premiums for Lamborghini Huracán insurance range from $120 to $351, depending on the model year you drive.
| 2024 | $165 | $327 |
| 2024 | $165 | $327 |
| 2023 | $155 | $307 |
| 2023 | $155 | $307 |
| 2022 | $146 | $289 |
| 2022 | $146 | $289 |
| 2021 | $120 | $236 |
| 2021 | $120 | $236 |
| 2020 | $176 | $351 |
| 2020 | $176 | $351 |
| 2019 | $143 | $281 |
| 2019 | $143 | $281 |
| 2018 | $158 | $312 |
| 2018 | $158 | $312 |
| 2017 | $173 | $341 |
| 2017 | $173 | $341 |
| 2016 | $160 | $316 |
| 2016 | $160 | $316 |
| 2015 | $138 | $272 |
| 2015 | $138 | $272 |
Lamborghini Huracán Insurance Cost by Trim
Your Lamborghini Huracán's trim affects insurance rates based on features, rarity, desirability and market value. Monthly premiums range from $112 for basic trims like the Evo Coupe to $405 for premium variants like the Sterrato, according to our research.
| 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 |
Compare Personalized Lamborghini Huracán Insurance Costs
We broke down Lamborghini Huracán insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2015
Select
Trim:Lp 610-4 Coupe
| Lp 610-4 Coupe | $138 | $272 |
Lamborghini Huracán Insurance Cost by Company
Lamborghini Huracán insurance costs vary by provider from $158 to $382 monthly. Minimum coverage ranges from $99 to $271, while full coverage costs $182 to $493. Rates vary due to different risk assessment models.
| 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 |
Lamborghini Huracán Insurance Cost by State
Lamborghini Huracán insurance costs vary dramatically by location, ranging from $56 monthly in Wyoming to $609 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, directly impacts Lamborghini Huracán insurance costs. Monthly premiums can reach $570 for young drivers under 25 without violations, while adult drivers between 26-64 with clean records pay as little as $226 monthly.
| Adult Drivers | $152 | $300 |
| Young Drivers | $386 | $754 |
| Senior Drivers | $204 | $380 |
| Drivers With a Speeding Ticket | $188 | $374 |
| Drivers With an Accident | $223 | $436 |
| Drivers With a DUI | $277 | $541 |
| Drivers With Bad Credit | $374 | $755 |
Is a Lamborghini Huracán Expensive to Insure?
You might be concerned about Lamborghini insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Lamborghini Huracán ranks 735th out of 827, making it one of the more expensive cars to insure. Among exotic sports cars, the model ranks in the top half for affordability.
| Mclaren GT | $105 | $205 |
| Lotus Exige | $105 | $205 |
| Lotus Evora | $115 | $225 |
| Mclaren 570S | $130 | $256 |
| Ferrari F430 | $137 | $271 |
| Lotus Elise | $141 | $274 |
| Aston Martin DBS | $145 | $286 |
| Mclaren GTS | $147 | $288 |
| Ferrari 488 | $147 | $290 |
| Mclaren 750S | $149 | $296 |
| Ferrari F8 | $150 | $295 |
| Lotus Emira | $151 | $298 |
| Aston Martin Vanquish | $151 | $297 |
| Ferrari California | $151 | $297 |
| Ferrari 612 | $152 | $299 |
| Lamborghini Huracán | $152 | $300 |
| Ferrari Roma | $155 | $307 |
| Lamborghini Gallardo | $156 | $308 |
| Ferrari 296 | $156 | $309 |
| Ferrari 360 | $157 | $311 |
| Mclaren Artura | $158 | $311 |
| Rolls Royce Wraith | $160 | $317 |
| Ferrari 458 | $163 | $322 |
| Ferrari Portofino | $166 | $328 |
| Rolls Royce Dawn | $166 | $329 |
| Ferrari FF | $167 | $330 |
| Mclaren 765LT | $168 | $333 |
| Aston Martin Vantage | $172 | $337 |
| Aston Martin DB12 | $173 | $342 |
| Mclaren 720S | $177 | $352 |
| Ferrari 812 | $182 | $362 |
| Lamborghini Aventador | $196 | $388 |
| Lamborghini Murciélago | $199 | $394 |
| Ferrari 12 Cillindri | $208 | $413 |
| Lamborghini Temerario | $209 | $415 |
| Ferrari F12 | $211 | $415 |
| Ferrari 599 | $228 | $451 |
| Lamborghini Revuelto | $272 | $539 |
| Ferrari SF90 | $273 | $542 |
| Mclaren Senna | $432 | $857 |
| Mclaren Elva | $759 | $1,506 |
| Mclaren P1 | $806 | $1,599 |
| Bugatti Veyron | $1,118 | $2,218 |
| Bugatti Chiron | $1,540 | $3,056 |
| Ferrari F60 | $1,612 | $3,198 |
| Ferrari Laferrari | $1,640 | $3,254 |
| Ferrari F80 | $1,757 | $3,487 |
| Bugatti Tourbillion | $2,059 | $4,087 |
| Bugatti Mistral | $2,409 | $4,780 |
| Bugatti Divo | $2,552 | $5,064 |
| Bugatti Centodieci | $4,029 | $7,996 |
| Bugatti La Voiture Noire | $5,596 | $11,105 |
| Rolls Royce La Rose Noire | $13,879 | $27,541 |
| Rolls Royce Arcadia | $13,879 | $27,541 |
Factors That Affect Lamborghini Car Insurance Costs
Several factors influence your Lamborghini Huracán insurance costs:
- Age (younger drivers under 30 to 35): Younger drivers usually face much higher premiums due to inexperience and greater risk.
- Driving record: Clean records help, while any speeding tickets, infractions, or at-fault accidents raise rates a lot.
- Trim/performance usage: Insurers consider choosing track-focused or high-output trims (parts, tires, brakes) to increase risk.
- Annual mileage and usage behavior: High mileage, frequent high-speed use, or driving the car in performance or track settings can dramatically raise insurance rates.
Average Repair or Replacement Costs
Lamborghini ranks 54th in repair affordability among 59 U.S. automakers with median annual costs of $2,834. Lamborghini Huracán repair costs average $3,007 annually, making it Lamborghini's third most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Huracán is offered in trims such as Tecnica, Sterrato, EVO (Coupe & Spyder) and STO. Lower trims include the base V10, premium leather and suede interiors, 8.4-inch infotainment, dual-zone climate control and basic amenities.
Higher trims add track-focused features like carbon-ceramic brakes, adjustable aerodynamics, lighter weight materials, performance suspension, rear-wheel steering and specialized tires.
Fuel Type
All Huracáns use premium gasoline. The standard engine is a naturally aspirated 5.2 L V10 in all trims, delivering very high performance but the trade-off is low fuel efficiency (city and highway MPG are both modest).
Location
Insurance, repair, parts, and labor are much more expensive in urban or high-cost metro areas. Access to Lamborghini dealers or specialist shops matters: in areas far from major cities or exotic-car service centers, costs go up and wait times increase. Also, environmental or road conditions (coastal corrosion, salt, heat, etc.) can affect maintenance needs.
Driver Profile
These driver traits tend to influence Huracán insurance rates:
Cheapest Lamborghini Huracán Insurance Companies
UAIC offers the cheapest full coverage car insurance for a Huracán at $182 monthly. For drivers seeking affordable minimum coverage, GEICO provides the lowest rates at $99 per month.
| The Hartford | $113 | $193 |
| GEICO | $99 | $216 |
| Kemper | $106 | $220 |
| UAIC | $146 | $182 |
| Travelers | $117 | $216 |
Cheapest Lamborghini Huracán Insurance by State
We found that the following are the top three cheapest car insurance providers for a Lamborghini Huracán:
- GEICO: Wins for affordability in 10 states
- Progressive: Wins for affordability in five states
- Auto-Owners: Wins for affordability in four states
You can filter to see who offers the most affordable auto insurance rates for your Lamborghini Huracán.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Auto Owners | $53 |
How to Get the Best Cheap Lamborghini Huracán Insurance
Below, we break down the top car insurance discounts available for your Lamborghini Huracán:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Lamborghini's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Lamborghini Huracán, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Lamborghini Huracán owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Huracán owners often have multiple vehicles — a daily driver alongside the supercar. Insuring them together under one policy can qualify for multi-vehicle discounts.
- Bundling/Multi-Policy Discount (5% to 25% savings): Many Huracán drivers also carry high-value homeowners or umbrella policies. Bundling with the same insurer can reduce overall insurance costs.
- Good Driver/Safe Driver Discount (5% to 15% savings): Supercars are considered high-risk, but maintaining a clean driving record with no violations can still earn modest safe-driver savings.
- Safety Features/Advanced Safety Discount (5% to 10% savings): The Huracán is equipped with advanced braking systems, stability control, and multiple airbags, which qualify it for limited safety-related discounts.
- Low Mileage/Usage-Based Discount (10% to 30% savings): Most Huracáns are driven sparingly as weekend or collector cars. Low annual mileage or specialized exotic-car insurance programs can lead to savings.
- 5
Consider alternative car insurance types
Lamborghini Huracán owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Lamborghini Huracán insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Lamborghini Huracán Insurance Cost: Bottom Line
Insuring a Lamborghini Huracán costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Lamborghini Huracán Insurance Rates: FAQ
Here are answers to common questions about insuring a Lamborghini Huracán.
What is the average cost of car insurance for a Lamborghini Huracán?
The Lamborghini Huracán's average annual insurance cost is $1,821 for state minimum coverage and $3,597 for full coverage.
What company has the cheapest car insurance for a Lamborghini Huracán?
UAIC offers the cheapest full coverage car insurance for a Huracán at $182 monthly. For drivers seeking affordable minimum coverage, GEICO provides the lowest rates at $99 per month.
Are Lamborghini Huracáns expensive to insure?
Yes, Lamborghini Huracán insurance costs more than most cars. Compared to the rest of the models on the U.S. market, a Lamborghini Huracán ranks 735th out of 827, making it one of the more expensive cars to insure. Among exotic sports cars, the model ranks in the top half for affordability.
What factors affect insurance costs for Lamborghini Huracáns?
Several things drive up your Lamborghini Huracán rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Lamborghini Huracán insurance costs?
Shop around with multiple insurers as rates vary for Lamborghinis, and consider usage-based insurance programs that track your driving habits. Take advantage of any available discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Lamborghini Huracán Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Lamborghini Huracán insurance costs.
Who We Based These Rates On
These Lamborghini Huracán prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.