Urus insurance costs vary by model year. 2025 models average $270 monthly. Older versions: $102. Newer Uruses cost more to insure because they're worth more.
Lamborghini Urus Insurance Cost
Updated: January 27, 2026
Key Takeaways
GEICO offers the most affordable rates for Lamborghini Urus insurance on average, though full coverage costs vary widely by model year and insurer, often running around $300 per month. Read more.
Among SUVs, the Urus ranks 211th out of 256 for insurance affordability, placing it in the expensive tier. Higher repair costs and theft risk often push SUV insurance rates higher. Read more.
For the most accurate rates, check costs specific to your Urus's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific Urus model years depending on the age of the drivers.
How Much Is Lamborghini Urus Insurance?
Rates depend on model year and insurer. Urus minimum coverage costs range from $102 monthly with GEICO to $268 with Farmers. Full coverage spans $176 monthly with The Hartford to higher rates with Farmers.
Cost differences exceed $166 for minimum coverage and $310 for full coverage. Shop around. Insurance companies calculate risk differently for each model, which changes your final quote.
| AAA | $168 | $352 |
| AIG | $187 | $465 |
| Allstate | $209 | $408 |
| Amica | $215 | $443 |
| Chubb | $198 | $388 |
| Farmers | $268 | $486 |
| Geico | $102 | $225 |
| Kemper | $104 | $217 |
| Nationwide | $114 | $198 |
| Progressive | $139 | $261 |
| State Farm | $128 | $270 |
| The Hartford | $103 | $176 |
| Travelers | $117 | $216 |
| UAIC | $144 | $180 |
Is Lamborghini Urus Expensive to Insure?
MoneyGeek analyzed 256 SUVs and the Urus ranks 211th for insurance affordability (expensive tier among SUVs). 210 models cost less to insure. The Urus runs a few dollars monthly more than an Audi SQ8 but slightly cheaper than an Audi e-tron, which shows its position among high-cost luxury SUVs.
Looking at all vehicles in our database, the Urus ranks 732nd out of 827 overall (top 11% most expensive to insure). The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron has the highest SUV premiums.
| Bentley Bentayga | $216 | 208 |
| Rivian R1S | $216 | 208 |
| Cadillac Lyriq-V | $217 | 209 |
| Audi SQ8 | $224 | 210 |
| Lamborghini Urus | $225 | 211 |
| Audi e-tron | $225 | 212 |
| Audi RS Q8 | $226 | 213 |
| Lotus Eletre | $229 | 214 |
Several factors change your Urus insurance costs:
- Average Repair or Replacement Costs: The Urus ranks as Lamborghini's cheapest model to maintain out of seven with repairs averaging $2,707 yearly. Still a major expense compared to mainstream vehicles.
- Vehicle Trim, Features and Accessories: 650 horsepower. 0 to 60 mph in 3.2 seconds. The Urus's extreme performance drives up insurance premiums. Higher-performance trims cost much more to insure because of high repair costs and increased risk.
- Driver Profile: Most Urus owners are 35 to 55 years old with a median age around 45 and higher income levels usually mean more coverage and higher rates. The vehicle's performance reputation attracts risky driving that concerns insurers. Read more about Urus costs for young drivers.
Lamborghini Urus Insurance Cost by State
Car insurance for a Lamborghini Urus costs anywhere from $57 per month in Wyoming to $286 in Louisiana for minimum coverage, depending on where you're located. Your state's risk factors and insurance regulations create these price differences, not the luxury vehicle itself.
| Alabama | $133 | $258 |
| Alaska | $133 | $291 |
| Arizona | $165 | $312 |
| Arkansas | $140 | $308 |
| California | $139 | $284 |
| Colorado | $148 | $352 |
| Connecticut | $178 | $311 |
| Delaware | $171 | $287 |
| Florida | $160 | $382 |
| Georgia | $178 | $298 |
| Hawaii | $75 | $171 |
| Idaho | $93 | $194 |
| Illinois | $128 | $242 |
| Indiana | $101 | $196 |
| Iowa | $98 | $237 |
| Kansas | $121 | $281 |
| Kentucky | $167 | $288 |
| Louisiana | $286 | $605 |
| Maine | $86 | $179 |
| Maryland | $212 | $363 |
| Massachusetts | $143 | $307 |
| Michigan | $260 | $506 |
| Minnesota | $124 | $266 |
| Mississippi | $137 | $273 |
| Missouri | $183 | $365 |
| Montana | $133 | $324 |
| Nebraska | $108 | $246 |
| Nevada | $206 | $374 |
| New Hampshire | $111 | $199 |
| New Jersey | $199 | $331 |
| New Mexico | $127 | $280 |
| New York | $149 | $267 |
| North Carolina | $108 | $215 |
| North Dakota | $107 | $234 |
| Ohio | $116 | $228 |
| Oklahoma | $164 | $360 |
| Oregon | $148 | $257 |
| Pennsylvania | $142 | $333 |
| Rhode Island | $178 | $322 |
| South Carolina | $130 | $246 |
| South Dakota | $103 | $321 |
| Tennessee | $121 | $246 |
| Texas | $189 | $388 |
| Utah | $131 | $225 |
| Vermont | $81 | $196 |
| Virginia | $131 | $211 |
| Washington | $126 | $235 |
| West Virginia | $140 | $287 |
| Wisconsin | $113 | $253 |
| Wyoming | $57 | $177 |
Lamborghini Urus Costs by Model Year and Insurance Company
Newer Lamborghini Urus models cost more to insure than older ones, and your age plays a major role in determining your premiums. A 35- to 55-year-old driver with a 2018 Lamborghini Urus pays around $311 monthly for full coverage, while the same driver pays $358 per month for a 2025 model. Young drivers in their teens and early twenties will see much higher rates across all model years.
Nationwide offers the most affordable rates across all Lamborghini Urus model years and could save you hundreds monthly. Shopping between different insurers gives you the best chance to find competitive pricing.
Recent model years:
Older models (2018 to 2020):
Cost of Car Insurance for 2025 Lamborghini Urus
| Nationwide | $92 | $160 |
| The Hartford | $101 | $172 |
| Kemper | $117 | $246 |
| Geico | $128 | $281 |
| State Farm | $138 | $290 |
| National General | $138 | $283 |
| Travelers | $143 | $265 |
| UAIC | $149 | $186 |
| Progressive | $156 | $294 |
| AAA | $207 | $433 |
| AIG | $222 | $554 |
| Allstate | $247 | $485 |
| Chubb | $251 | $488 |
| Amica | $272 | $560 |
| Farmers | $372 | $680 |
Cost of Car Insurance for 2024 Lamborghini Urus
| Nationwide | $87 | $151 |
| The Hartford | $95 | $162 |
| Kemper | $108 | $226 |
| Geico | $113 | $250 |
| State Farm | $119 | $250 |
| National General | $131 | $269 |
| Travelers | $136 | $252 |
| UAIC | $141 | $177 |
| Progressive | $153 | $288 |
| AAA | $189 | $396 |
| AIG | $212 | $531 |
| Allstate | $224 | $439 |
| Chubb | $243 | $473 |
| Amica | $258 | $532 |
| Farmers | $338 | $617 |
Cost of Car Insurance for 2023 Lamborghini Urus
| Geico | $79 | $171 |
| State Farm | $90 | $188 |
| The Hartford | $91 | $155 |
| Kemper | $98 | $201 |
| National General | $102 | $209 |
| Nationwide | $107 | $187 |
| Travelers | $109 | $202 |
| AAA | $136 | $285 |
| Progressive | $150 | $283 |
| UAIC | $150 | $188 |
| AIG | $170 | $421 |
| Chubb | $190 | $371 |
| Allstate | $191 | $373 |
| Amica | $192 | $394 |
| Farmers | $244 | $443 |
Cost of Car Insurance for 2022 Lamborghini Urus
| Geico | $55 | $118 |
| National General | $56 | $114 |
| Travelers | $64 | $117 |
| The Hartford | $75 | $128 |
| Kemper | $82 | $167 |
| State Farm | $83 | $175 |
| AAA | $88 | $183 |
| Chubb | $91 | $177 |
| Amica | $92 | $186 |
| AIG | $96 | $229 |
| Progressive | $110 | $206 |
| Nationwide | $114 | $198 |
| UAIC | $135 | $168 |
| Farmers | $158 | $285 |
| Allstate | $162 | $313 |
Cost of Car Insurance for 2021 Lamborghini Urus
| Kemper | $102 | $214 |
| Geico | $118 | $259 |
| National General | $125 | $256 |
| Progressive | $126 | $237 |
| Travelers | $128 | $237 |
| The Hartford | $141 | $241 |
| UAIC | $142 | $177 |
| Nationwide | $146 | $254 |
| State Farm | $176 | $373 |
| AAA | $200 | $418 |
| AIG | $200 | $497 |
| Allstate | $213 | $414 |
| Chubb | $216 | $420 |
| Farmers | $225 | $409 |
| Amica | $237 | $489 |
Cost of Car Insurance for 2020 Lamborghini Urus
| Geico | $85 | $188 |
| The Hartford | $98 | $168 |
| Kemper | $115 | $238 |
| National General | $133 | $273 |
| Travelers | $144 | $266 |
| UAIC | $154 | $194 |
| Progressive | $164 | $309 |
| State Farm | $172 | $366 |
| AAA | $174 | $367 |
| Nationwide | $185 | $324 |
| AIG | $222 | $560 |
| Allstate | $236 | $465 |
| Chubb | $255 | $497 |
| Amica | $261 | $537 |
| Farmers | $306 | $562 |
Cost of Car Insurance for 2019 Lamborghini Urus
| Nationwide | $90 | $159 |
| The Hartford | $98 | $166 |
| Kemper | $106 | $218 |
| Travelers | $135 | $250 |
| State Farm | $137 | $289 |
| Geico | $145 | $318 |
| Progressive | $146 | $275 |
| UAIC | $147 | $183 |
| National General | $152 | $312 |
| AAA | $187 | $392 |
| Chubb | $217 | $440 |
| Allstate | $219 | $423 |
| AIG | $250 | $625 |
| Amica | $268 | $553 |
| Farmers | $272 | $476 |
Cost of Car Insurance for 2018 Lamborghini Urus
| Travelers | $93 | $174 |
| Nationwide | $101 | $176 |
| Geico | $125 | $274 |
| State Farm | $127 | $269 |
| Progressive | $128 | $239 |
| National General | $134 | $274 |
| The Hartford | $134 | $228 |
| Kemper | $135 | $285 |
| UAIC | $147 | $183 |
| Chubb | $162 | $331 |
| Allstate | $193 | $374 |
| AAA | $198 | $415 |
| AIG | $204 | $505 |
| Amica | $215 | $442 |
| Farmers | $280 | $496 |
Lamborghini Urus Insurance Cost by Trim
Lamborghini Urus insurance costs vary by trim, with high-performance Se Hybrid variants reaching $376 monthly for full coverage while basic Pearl Capsule models start at $138 for minimum coverage. Performance features and market value determine where your specific trim falls in this range.
| Pearl Capsule | $138 | $272 |
| S | $138 | $270 |
| Graphite Capsule | $138 | $273 |
| Base | $144 | $284 |
| Performante | $180 | $357 |
| Se Hybrid | $189 | $376 |
How to Lower the Cost of Lamborghini Urus Insurance
Find better rates on Urus insurance with these strategies:
- 1Choose the Right Coverage
Figure out how much coverage to buy for your Urus. Own it? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to cut premiums. Want more protection? Get 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing means you need 100/300/100 liability limits, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. 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
Find quality car insurance by checking insurers beyond their quotes. Look at J.D. Power satisfaction ratings, forum feedback on claims processing, Better Business Bureau complaints and AM Best financial stability. Budget options might have limited coverage or slower service when you need claims handled fast.
- 4Explore Discounts You Qualify For
Find car insurance discounts for your situation. Urus owners often qualify for safety feature discounts, bundling savings when you combine auto and home policies, good driver rewards for clean records and anti-theft device discounts for factory security systems.
- 5Consider Alternative Car Insurance Types
Urus owners benefit from usage-based insurance programs. Options like Progressive Snapshot or Allstate Drivewise track safe driving habits and cut premiums based on your actual driving behavior rather than statistical averages.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies every year. Your insurer won't tell you when competitors drop prices, so yearly comparisons can save you up to 24% on Urus insurance by switching to better rates.
Lamborghini Urus Insurance Cost: Bottom Line
Lamborghini Urus insurance costs more than average, but you can get decent rates. Shop multiple insurers, claim discounts and pick appropriate coverage to find better pricing.
Lamborghini Urus Insurance Rates: FAQ
What is the average cost of car insurance for a Lamborghini Urus?
Lamborghini Urus insurance costs vary by model year and coverage type. Minimum coverage starts around $102 per month for older models, while full coverage for newer models often exceeds $300 per month.
What company has the cheapest car insurance for a Lamborghini Urus?
GEICO provides the most affordable minimum coverage for a Lamborghini Urus at $1,230 annually. The Hartford offers the best value for full coverage at $2,115 per year.
Are Lamborghini Uruses expensive to insure?
Yes, Lamborghini Urus insurance costs more than most vehicles to insure. Among all 827 vehicles we track, it ranks 732nd for affordability, while placing 211th out of 256 SUVs.
What factors affect insurance costs for Lamborghini Uruses?
Multiple factors affect Lamborghini Urus insurance rates. The vehicle's high-performance capabilities and luxury status create elevated accident and theft risks for insurers. Expensive specialized parts drive up repair costs. Your personal driving record, credit score and chosen coverage levels also impact your premiums.
How can I lower Lamborghini Urus insurance costs?
Compare quotes from multiple insurers since Lamborghini Urus pricing differs 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 get better rates.
How We Determined Lamborghini Urus 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 Urus insurance costs.
Who We Based These Rates On
These Lamborghini Urus 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.