Lamborghini Urus insurance costs average $151 monthly for minimum coverage and $298 for full coverage. Depending on your particular trim and model year, costs can range from $102 to $392 monthly.
Lamborghini Urus Insurance Cost
Updated: September 29, 2025
Key Takeaways
Lamborghini Urus insurance costs range from $102 to $392 monthly depending on your specific trim level and model year choice.
The Urus ranks 732nd out of 827 vehicles for insurance affordability, placing it among the most expensive models to insure nationwide.
The Hartford offers the most affordable full coverage for Lamborghini Urus owners at $176 monthly, while minimum coverage starts at $102 per month.
How Much Is Lamborghini Urus Insurance?
| Lamborghini Urus | $151 | $298 |
Lamborghini Urus Insurance Cost by Model Year
Your insurance rates change based on your Urus model year and trim options available when it was made. Newer models cost more because of their higher fair value. Monthly premiums for Lamborghini Urus coverage span from $102 to $359, depending on the year you drive.
| 2025 | $181 | $359 |
| 2025 | $181 | $359 |
| 2024 | $166 | $327 |
| 2024 | $166 | $327 |
| 2023 | $134 | $263 |
| 2023 | $134 | $263 |
| 2022 | $102 | $200 |
| 2022 | $102 | $200 |
| 2021 | $159 | $315 |
| 2021 | $159 | $315 |
| 2020 | $172 | $338 |
| 2020 | $172 | $338 |
| 2019 | $167 | $330 |
| 2019 | $167 | $330 |
| 2018 | $152 | $300 |
| 2018 | $152 | $300 |
Lamborghini Urus Insurance Cost by Trim
Your Lamborghini Urus trim affects insurance costs based on the vehicle's features, rarity and market value. Monthly premiums range from $138 to $376 depending on your specific trim level and coverage choices.
| Pearl Capsule | $138 | $272 |
| S | $138 | $270 |
| Graphite Capsule | $138 | $273 |
| Base | $144 | $284 |
| Performante | $180 | $357 |
| Se Hybrid | $189 | $376 |
Compare Personalized Lamborghini Urus Insurance Costs
We've broken down Lamborghini Urus insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2018
Select
Trim:Base
| Base | $152 | $300 |
Lamborghini Urus Insurance Cost by Company
Lamborghini Urus insurance costs vary by provider, ranging from $164 to $377 monthly. Minimum coverage spans $102 to $268, while full coverage costs $176 to $486. Rates vary due to different risk assessment models.
| 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 |
Lamborghini Urus Insurance Cost by State
Car insurance for a Lamborghini Urus varies dramatically by location, ranging from $57 monthly in Wyoming to $605 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile impacts Lamborghini Urus insurance costs, especially your age and driving history. Monthly premiums can reach $569 for young drivers under 25 without violations, while adult drivers between 26-64 with clean records pay as little as $225 monthly for coverage.
| Adult Drivers | $151 | $298 |
| Young Drivers | $385 | $752 |
| Senior Drivers | $203 | $378 |
| Drivers With a Speeding Ticket | $187 | $373 |
| Drivers With an Accident | $222 | $434 |
| Drivers With a DUI | $276 | $537 |
| Drivers With Bad Credit | $371 | $750 |
Is a Lamborghini Urus 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 Urus ranks 732nd out of 827, making it one of the more expensive cars to insure. Among midsize exotic crossover SUVs, the model ranks second out of 4.
| Aston Martin DBX | $141 | $278 |
| Lamborghini Urus | $151 | $298 |
| Lotus Eletre | $155 | $304 |
| Ferrari Purosangue | $175 | $347 |
Factors That Affect Lamborghini Car Insurance Costs
Multiple factors influence what you'll pay for Lamborghini Urus insurance coverage:
- Age (Average 45 to 55 median): Middle-aged luxury car buyers receive better rates than younger performance vehicle drivers
- Gender (Predominantly male): Male luxury SUV ownership correlates with higher premiums due to risk assessment patterns
- Income ($200,000 to $500,000+): Higher credit scores and financial stability can reduce premium rates despite expensive vehicle values
Average Repair or Replacement Costs
Lamborghini ranks 54th in repair affordability among 59 U.S. automakers with median annual costs of $2,834. Lamborghini Urus repair costs average $2,827 annually, making it Lamborghini's most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Lamborghini Urus lineup features multiple high-performance variants with horsepower ranges that directly impact insurance costs. The base Urus S produces 666 horsepower, while the Performante delivers 666 horsepower with enhanced aerodynamics, and the hybrid SE generates a massive 789 horsepower.
Advanced features like carbon-ceramic brakes, adaptive air suspension, rear-wheel steering, and extensive carbon fiber components increase repair complexity and parts costs. The hybrid SE's plug-in system adds specialized battery cooling systems and electric motor components that require expert technicians, further elevating insurance premiums for this ultra-luxury super SUV.
Fuel Type
Most Lamborghini Urus models run on premium gasoline with a twin-turbocharged 4.0-liter V8 engine, achieving EPA ratings of 14 mpg city and 19 mpg highway. The substantial fuel consumption contributes to higher operating costs that insurers factor into premium calculations.
The new Urus SE introduces plug-in hybrid technology, combining the V8 engine with an electric motor for improved efficiency at 47 MPGe combined with 30 miles of electric-only range. But, the hybrid system's complexity requires specialized maintenance knowledge and expensive battery components, potentially increasing insurance costs despite better fuel economy performance.
Location
Lamborghini Urus owners cluster heavily in affluent areas where regional insurance rates vary. The United States leads global Urus deliveries with 3,000 units in 2023, concentrated in wealthy metropolitan areas and luxury automotive hubs.
California has the most Lamborghini dealerships (8 out of 39 nationwide), representing 21% of U.S. distribution, followed by Florida, New York, Texas and Colorado. These high-cost-of-living regions feature elevated insurance premiums due to higher repair costs, increased theft risks, and premium labor rates at specialized service centers.
Driver Profile
Most Lamborghini Urus drivers are affluent professionals and business owners with substantial disposable income. Luxury vehicle buyers typically have median household incomes exceeding $238,000, with many Lamborghini owners requiring a net worth of $2.5 million or more to comfortably afford ownership costs.
Driver demographics affect Urus insurance rates:
Cheapest Lamborghini Urus Insurance Companies
When shopping for Urus insurance, The Hartford offers the most affordable full coverage at $176 monthly. For drivers who only need minimum coverage on their Urus, GEICO provides the cheapest option at $102 per month.
| The Hartford | $103 | $176 |
| Nationwide | $114 | $198 |
| Kemper | $104 | $217 |
| UAIC | $144 | $180 |
| GEICO | $102 | $225 |
Cheapest Lamborghini Urus Insurance by State
We found that the following are the top three cheapest car insurance providers for a Lamborghini Urus:
- GEICO: Wins for affordability in seven states
- Auto-Owners: Wins for affordability in five states
- Nationwide: Wins for affordability in five states
You can filter below to see who offers your Lamborghini Urus the most affordable auto insurance rates.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Auto Owners | $50 |
How to Get the Best Cheap Lamborghini Urus Insurance
Below we explore the top car insurance discounts for your Lamborghini Urus:
- 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 Urus, 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 Urus owners will qualify for:
- Multi-Policy/Portfolio Discount (10% to 25% savings): Urus owners typically maintain comprehensive insurance portfolios including high-value home, umbrella liability, and specialty coverage for multiple luxury assets. High-net-worth insurers like Chubb, AIG, and PURE offer portfolio discounts when bundling multiple policies with the same carrier.
- Multi-Vehicle/Fleet Discount (12% to 25% savings): With Lamborghini owners averaging five to 10 cars in their collection, multi-vehicle discounts are standard. Many Urus owners maintain fleets of luxury and exotic vehicles, qualifying for substantial fleet pricing from specialty insurers who cater to high-value automotive collections.
- Agreed Value Coverage Discount (5% to 15% savings): Unlike standard depreciation-based policies, specialty insurers offer discounts for agreed value coverage that locks in the Urus's value upfront. This eliminates disputes and often costs less than traditional coverage since it reduces claims complexity for these rare, high-value vehicles.
- Professional/Executive Group Discount (5% to 15% savings): With 70% of Lamborghini buyers being business owners or C-level executives, many qualify for professional group discounts. Insurance companies often provide preferential rates for executives, entrepreneurs, and high-income professionals who demonstrate financial stability and responsible ownership.
- Security Features/Anti-Theft Discount (5% to 20% savings): The Urus comes equipped with advanced security systems including GPS tracking, immobilizers, and sophisticated anti-theft technology. Luxury insurers recognize these features reduce theft risk and offer meaningful discounts, especially when combined with professional monitoring services or secure garage storage.
- 5
Consider alternative car insurance types
Lamborghini Urusowners 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 Urus insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Lamborghini Urus Insurance Cost: Bottom Line
Insuring a Lamborghini Urus 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 Urus Insurance Rates: FAQ
Here are answers to common questions about insuring a Lamborghini Urus.
What is the average cost of car insurance for a Lamborghini Urus?
The Lamborghini Urus's average annual insurance cost is $1,813 yearly for state minimum and $3,578 for full coverage.
What company has the cheapest car insurance for a Lamborghini Urus?
When shopping for Urus insurance, The Hartford offers the most affordable full coverage at $176 monthly. For drivers who only need minimum coverage on their Urus, GEICO provides the cheapest option at $102 per month.
Are Lamborghini Uruss expensive to insure?
Yes, Lamborghini Urus insurance costs more than most cars. Out of 827 vehicles we track, the Urus ranks 732nd for affordability. Among similar vehicles, it's the second most affordable option.
What factors affect insurance costs for Lamborghini Uruss?
Several things drive up your Lamborghini Urus rates. Repairs cost more because of specialized parts. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Urus-certified repair shops cost more.
How can I lower Lamborghini Urus 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 discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Lamborghini Urus 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 Urus insurance costs.
Who We Based These Rates On
These Lamborghini Urus 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.