Insurance premiums for a Lamborghini Urus average $298 monthly for full coverage and $151 for minimum coverage. Depending on the trim and model year, costs can range from $102 to $376 monthly.
Lamborghini Urus Insurance Cost
Updated: May 9, 2026
Key Takeaways
The Hartford offers the most affordable rates for Lamborghini Urus insurance on average, though full coverage costs vary widely by model year and insurer. You'll pay around $298 a month for comprehensive protection. Read more.
The Urus ranks 211th out of 256 SUVs for insurance affordability, placing it in expensive territory even among SUVs that already cost more to insure due to higher repair costs and theft risks. Read more.
Your Urus' model year has a notable impact on insurance rates, which becomes more apparent when adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for Urus model years and driver age groups.
How Much Is Lamborghini Urus Insurance?
| Lamborghini Urus | $151 | $298 |
Looking for another Lamborghini model? Read more about the cost of Lamborghini car insurance models.
Monthly insurance premiums for a Lamborghini Urus range from $102 to $359 depending on model year and coverage level. A model year's age directly affects insurance costs, and the Urus is no exception: newer models carry higher fair market values.
| 2022 | $102 | $200 |
| 2023 | $134 | $263 |
| 2018 | $152 | $300 |
| 2021 | $159 | $315 |
| 2024 | $166 | $327 |
| 2019 | $167 | $330 |
| 2020 | $172 | $338 |
| 2025 | $181 | $359 |
Rates for a Lamborghini Urus vary widely by model year and insurer. Full coverage ranges from $176 a month with The Hartford to $486 with Farmers, and minimum coverage ranges from $102 with GEICO to $268 with Farmers.
Lamborghini Urus owners should compare quotes across insurers: minimum coverage varies by more than $166 and full coverage by more than $310. Each company calculates risk differently for the Urus, which affects the 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's analysis of 256 SUVs ranks the Lamborghini Urus 211th for insurance affordability, meaning 210 models cost less to insure. It sits between the slightly cheaper Audi SQ8 and the marginally pricier Audi e-tron, with costs differing by only a few dollars a month.
The Urus also ranks 732nd out of 827 total vehicles in MoneyGeek's database, a position that reflects the broader cost pattern across the SUV category. The Isuzu Amigo carries the cheapest SUV insurance rates, and the Audi SQ8 e-tron draws the highest 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 |
Multiple factors affect what you'll pay for Lamborghini Urus insurance:
- Average repair or replacement costs: The Lamborghini Urus ranks as Lamborghini's most affordable model to maintain out of seven, with repair costs averaging $2,707 annually for routine maintenance and unexpected fixes.
- Vehicle trim, features and accessories: With 641 horsepower and 0-60 mph acceleration in just 3.2 seconds, the Urus' extreme performance capabilities drive up insurance premiums due to higher repair costs and increased accident risk.
- Driver profile: Most Lamborghini Urus owners are aged 40 to 50 with higher incomes, leading to costlier full coverage policies. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Lamborghini Uruses for young drivers.
Lamborghini Urus Costs by Model Year and Driver Age by Insurance Company
Full coverage for a 35- to 55-year-old driver with a 2025 Lamborghini Urus averages $358 a month, compared to $311 for a 2018 model. Newer model years cost more to insure due to higher market values. Teen and early-twenties drivers pay considerably more regardless of model year.
Nationwide offers the cheapest rates across all Lamborghini Urus model years and could save certain drivers hundreds of dollars a month versus the average. Compare quotes from multiple insurers to improve your chances of finding lower premiums.
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 |
2025 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $722 | $658 | $606 | $513 | $435 | $284 | $264 | $246 | $233 | $209 |
| State Farm | $1,092 | $960 | $849 | $734 | $648 | $551 | $500 | $447 | $409 | $360 |
| Geico | $1,604 | $1,174 | $986 | $718 | $614 | $498 | $459 | $378 | $358 | $323 |
| Travelers | $1,608 | $1,149 | $904 | $696 | $614 | $452 | $412 | $380 | $351 | $305 |
| Progressive | $2,140 | $1,734 | $1,439 | $798 | $695 | $562 | $501 | $448 | $413 | $355 |
| Allstate | $2,305 | $1,824 | $1,464 | $1,074 | $963 | $755 | $682 | $645 | $608 | $538 |
| Farmers | $4,386 | $3,212 | $2,845 | $1,716 | $1,610 | $1,208 | $1,087 | $1,033 | $985 | $838 |
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 |
2024 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $681 | $621 | $571 | $484 | $410 | $268 | $249 | $232 | $220 | $197 |
| State Farm | $940 | $827 | $731 | $632 | $558 | $474 | $431 | $385 | $352 | $310 |
| Geico | $1,423 | $1,041 | $875 | $637 | $545 | $442 | $407 | $335 | $317 | $287 |
| Travelers | $1,528 | $1,092 | $859 | $662 | $584 | $430 | $393 | $362 | $334 | $291 |
| Allstate | $2,080 | $1,650 | $1,325 | $972 | $872 | $682 | $617 | $583 | $549 | $487 |
| Progressive | $2,093 | $1,698 | $1,409 | $783 | $682 | $551 | $491 | $439 | $404 | $347 |
| Farmers | $3,994 | $2,923 | $2,588 | $1,558 | $1,461 | $1,095 | $986 | $937 | $893 | $760 |
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 |
2023 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $705 | $620 | $549 | $474 | $419 | $356 | $324 | $289 | $264 | $233 |
| Nationwide | $842 | $772 | $709 | $601 | $509 | $331 | $307 | $287 | $271 | $243 |
| Geico | $973 | $711 | $596 | $433 | $373 | $301 | $278 | $229 | $217 | $197 |
| Travelers | $1,226 | $877 | $690 | $532 | $468 | $345 | $315 | $290 | $268 | $233 |
| Allstate | $1,785 | $1,413 | $1,131 | $828 | $742 | $579 | $524 | $495 | $466 | $413 |
| Progressive | $2,062 | $1,670 | $1,387 | $771 | $672 | $542 | $482 | $430 | $396 | $340 |
| Farmers | $2,875 | $2,096 | $1,859 | $1,116 | $1,048 | $785 | $708 | $672 | $641 | $545 |
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 |
2022 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $657 | $578 | $511 | $442 | $390 | $331 | $301 | $269 | $246 | $217 |
| Geico | $669 | $487 | $409 | $296 | $256 | $206 | $190 | $157 | $148 | $135 |
| Travelers | $715 | $511 | $402 | $309 | $272 | $200 | $182 | $168 | $155 | $135 |
| Nationwide | $895 | $824 | $757 | $643 | $543 | $351 | $326 | $304 | $287 | $257 |
| Progressive | $1,519 | $1,222 | $1,014 | $562 | $489 | $395 | $352 | $314 | $289 | $248 |
| Allstate | $1,542 | $1,205 | $960 | $700 | $627 | $492 | $444 | $418 | $392 | $348 |
| Farmers | $1,804 | $1,312 | $1,170 | $710 | $668 | $505 | $455 | $433 | $413 | $349 |
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 |
2021 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $1,150 | $1,050 | $967 | $821 | $694 | $450 | $417 | $390 | $368 | $330 |
| State Farm | $1,402 | $1,233 | $1,090 | $943 | $832 | $707 | $642 | $573 | $524 | $463 |
| Travelers | $1,412 | $1,017 | $801 | $619 | $546 | $405 | $369 | $341 | $315 | $273 |
| Geico | $1,470 | $1,076 | $905 | $658 | $564 | $457 | $422 | $348 | $329 | $298 |
| Progressive | $1,727 | $1,399 | $1,161 | $644 | $562 | $453 | $404 | $361 | $332 | $285 |
| Allstate | $1,996 | $1,566 | $1,257 | $924 | $827 | $647 | $585 | $552 | $519 | $460 |
| Farmers | $2,578 | $1,871 | $1,669 | $1,019 | $960 | $725 | $650 | $619 | $591 | $503 |
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 |
2020 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $1,056 | $776 | $651 | $473 | $407 | $329 | $303 | $251 | $238 | $215 |
| State Farm | $1,380 | $1,213 | $1,069 | $928 | $817 | $695 | $631 | $563 | $514 | $454 |
| Nationwide | $1,463 | $1,340 | $1,231 | $1,047 | $885 | $572 | $531 | $496 | $469 | $421 |
| Travelers | $1,620 | $1,156 | $909 | $700 | $617 | $455 | $415 | $382 | $353 | $307 |
| Allstate | $2,210 | $1,747 | $1,401 | $1,026 | $920 | $723 | $652 | $617 | $582 | $516 |
| Progressive | $2,245 | $1,825 | $1,517 | $843 | $735 | $593 | $528 | $472 | $434 | $373 |
| Farmers | $3,657 | $2,654 | $2,354 | $1,410 | $1,322 | $985 | $890 | $844 | $806 | $689 |
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 |
2019 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $712 | $648 | $595 | $502 | $427 | $281 | $261 | $244 | $230 | $206 |
| State Farm | $1,091 | $960 | $847 | $734 | $647 | $550 | $499 | $446 | $407 | $359 |
| Travelers | $1,387 | $1,021 | $806 | $629 | $553 | $425 | $388 | $358 | $331 | $288 |
| Geico | $1,813 | $1,325 | $1,114 | $811 | $695 | $563 | $519 | $427 | $404 | $366 |
| Progressive | $1,992 | $1,618 | $1,345 | $746 | $651 | $525 | $468 | $419 | $386 | $332 |
| Allstate | $2,050 | $1,605 | $1,289 | $945 | $846 | $663 | $599 | $565 | $531 | $471 |
| Farmers | $2,945 | $2,158 | $1,923 | $1,211 | $1,146 | $882 | $780 | $748 | $708 | $599 |
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 |
2018 Lamborghini Urus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $794 | $725 | $666 | $566 | $479 | $312 | $289 | $270 | $256 | $229 |
| State Farm | $1,013 | $891 | $787 | $681 | $601 | $510 | $464 | $414 | $379 | $334 |
| Travelers | $1,055 | $762 | $603 | $466 | $412 | $299 | $274 | $253 | $234 | $201 |
| Geico | $1,560 | $1,141 | $959 | $698 | $597 | $484 | $447 | $368 | $348 | $315 |
| Progressive | $1,731 | $1,406 | $1,168 | $649 | $567 | $457 | $408 | $364 | $335 | $288 |
| Allstate | $1,805 | $1,417 | $1,138 | $834 | $747 | $585 | $529 | $498 | $469 | $416 |
| Farmers | $3,046 | $2,213 | $1,978 | $1,248 | $1,180 | $905 | $804 | $770 | $730 | $620 |
Lamborghini Urus Insurance Cost by Trim
Monthly Lamborghini Urus insurance premiums range from $138 for minimum coverage on Pearl Capsule models to $376 for full coverage on SE Hybrid variants. A trim's performance features, rarity and market value determine where you'll fall in that range.
| Pearl Capsule | $138 | $272 |
| S | $138 | $270 |
| Graphite Capsule | $138 | $273 |
| Base | $144 | $284 |
| Performante | $180 | $357 |
| Se Hybrid | $189 | $376 |
Lamborghini Urus Insurance Cost by State
Car insurance for a Lamborghini Urus costs as much as $286 a month in Louisiana or as little as $57 in Wyoming for minimum coverage. A state's risk profile and insurance regulations drive these differences, not the 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 |
How to Lower the Cost of Lamborghini Urus Insurance
We've compiled proven strategies to help you find affordable Lamborghini Urus insurance rates:
- 1Choose the right coverage
How much coverage to buy for your Lamborghini Urus depends on your ownership situation. Owners who carry their title outright can meet state minimum liability requirements and add comprehensive and collision with a $1,000 deductible to keep premiums down.
For broader protection, 100/300/100 liability with comprehensive and collision at a $500 deductible is a strong option. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Look up average auto insurance costs for luxury SUVs to learn what you should pay. This gives you a baseline when you compare the cheapest car insurance companies for your Lamborghini Urus.
- 3Look for more than just low rates
Reliable car insurance requires more than a low quote. Look at J.D. Power satisfaction ratings, forum feedback on claims processing, Better Business Bureau complaints and AM Best financial stability scores. Budget insurers may offer limited coverage or slower service when you need them most.
- 4Identify discounts that fit your profile
Lamborghini Urus owners often qualify for a range of car insurance discounts, including safety features, good driver, bundling and anti-theft device discounts. These reduce premiums on this luxury performance vehicle.
- 5Try other types of car insurance coverage
Usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise can lower Lamborghini Urus insurance costs by tracking safe driving habits. These programs reward careful driving with reduced premiums for high-performance vehicles.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Your insurer won't notify you when competitors drop their prices, so yearly comparisons could save up to 24% on your Lamborghini Urus insurance. Annual quote checks put you in a better position to find lower rates.
Lamborghini Urus Insurance Cost: Bottom Line
A Lamborghini Urus costs more than average to insure, but comparing quotes across multiple insurers and maximizing discounts can bring rates down.
Lamborghini Urus Insurance Rates: FAQ
What is the average cost of car insurance for a Lamborghini Urus?
Lamborghini Urus insurance averages $151 monthly for state minimum coverage and $298 for full coverage. Annual premiums cost $1,812 for minimum and $3,576 for comprehensive protection.
What company has the cheapest car insurance for a Lamborghini Urus?
GEICO provides the most affordable minimum coverage for a Lamborghini Urus at $1,224 annually. For full coverage, The Hartford offers the best value at $2,112 per year.
Is the Lamborghini Urus expensive to insure?
Yes, Lamborghini Urus insurance costs more than most vehicles to insure. Out of 827 models we track, it ranks 732nd for affordability, and among SUVs specifically, it places 211th out of 256.
What factors affect Lamborghini Urus insurance costs?
Multiple factors affect Lamborghini Urus insurance costs. High-performance capabilities and luxury status increase accident and theft risks, while specialized parts make repairs expensive. Your driving record, credit score and chosen coverage levels all impact your premium, with rates averaging $225 a month.
How can I lower Lamborghini Urus insurance costs?
Compare quotes from multiple insurers since Lamborghini Urus pricing differs between companies, and look into 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 studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!