How much does it cost to insure a Ferrari or Lamborghini in Germany?
In short
How much does it cost to insure a Ferrari or Lamborghini in Germany? A Lamborghini Gallardo or Ferrari 458 Italia with liability and fully comprehensive cover (Vollkasko) costs about EUR 4,100 to 5,100 a year, a Ferrari FF about EUR 8,000 to 10,400. Liability is mandatory as for any car. Comprehensive cover often comes only through specialist tariffs with conditions on garage, driver age and mileage.
Annual premiums for liability and full cover from a German tariff comparison dated 5 October 2026.
Example
Typical range
Lamborghini Gallardo LP 560-4, liability and full cover, EUR 1,000 excess, drivers aged 26 or over
about EUR 4,190 to 5,070 a year
Ferrari 458 Italia, liability and full cover, EUR 1,000 excess, drivers aged 26 or over
about EUR 4,125 to 5,062 a year, average EUR 4,666
Ferrari FF, liability and full cover, EUR 1,000 excess, drivers aged 26 or over
about EUR 7,993 to 10,361 a year, average EUR 9,403
As of 5 October 2026, tariff comparison with a no claims level of about 50 percent,
15,000 km a year and a nationwide reference value.
Your premium depends on your no claims class, address and conditions;
we obtain the exact quote for you.
Worked example
Lamborghini Gallardo LP 560-4, driver over 26
How the average premium from the tariff comparison is made up.
Type classes liability, partial, full
13, 30, 33
No claims discount liability and full cover
51 and 47 percent
Excess full and partial cover
EUR 1,000 and EUR 150
Average liability plus full cover
EUR 4,584 a year
About EUR 382 a month; depending on the tariff between EUR 4,189 and 5,072 a year.
Why a supercar sits in such high classes
In Germany every car model gets a type class (Typklasse) each year, separately for liability, partial cover (Teilkasko) and full cover (Vollkasko). It is based on the claims that model caused in previous years. For a Ferrari or Lamborghini, repair costs and the value of the car push the comprehensive classes up.
The Lamborghini Gallardo LP 560-4 sits at 13 of 25 for liability, 30 of 33 for partial cover and 33 of 34 for full cover. So the liability part is not extreme; what makes a supercar expensive to insure is the comprehensive cover.
Cover
Type class Gallardo LP 560-4
Scale
Liability
13
10 to 25
Partial cover
30
10 to 33
Full cover
33
10 to 34
Liability: mandatory, with legal minimum sums
The Compulsory Insurance Act (Pflichtversicherungsgesetz) also applies to a Ferrari or Lamborghini. The minimum sums per claim are set in the annex to section 4 (2) PflVG: EUR 7.5 million for personal injury, EUR 1.3 million for property damage and EUR 50,000 for pure financial loss.
For a high powered supercar you should choose a sum well above this minimum. A serious accident with injured people can exceed the legal minimum, and the keeper then pays the rest personally.
Full cover through specialist tariffs and their conditions
Not every insurer accepts prestige cars. If you want full cover for a Ferrari or Lamborghini, you often end up with a specialist tariff. These lower the premium but set conditions you have to keep in daily life.
Some providers refuse young drivers or drivers with many claims altogether. Track days and lending the car to others are frequently excluded.
Condition
What it means for you
Lockable garage
theft or vandalism at night may otherwise not be covered
Limited annual mileage
lower premium, extra kilometres must be reported
Minimum driver age
younger drivers excluded or only with a surcharge
No race track
a track day needs separate cover
When full cover for a Ferrari or Lamborghini is not needed
For an older supercar, liability plus partial cover can be enough. One German tariff comparison recommends exactly that for the roughly 18 year old Gallardo with an assumed value of EUR 92,000, because full cover costs a lot of premium for little extra protection there.
Financing or leasing is different: the lender almost always requires full cover. For collector cars that gain value, a classic or enthusiast tariff with an agreed value is often the better fit.
What a broker can do for your supercar
Norman Nammert acts as an insurance broker (Versicherungsmakler) and obtains quotes for a Ferrari or Lamborghini from several insurers, using the same details on garage, drivers and mileage. The commission is paid by the insurer, so the service is free for you.
Step by step
Have the registration certificate ready and check the type classes using the key numbers (HSN and TSN).
Decide who will drive, how old the drivers are and how many kilometres you do a year.
Make sure you can prove a garage or secure parking space.
Decide whether full cover is needed or partial cover is enough.
Compare quotes with the same excess and the same conditions.
Checklist
Liability cover well above the legal minimum
Conditions on garage, drivers and mileage in writing
Rules for extra kilometres and new drivers agreed
Race track excluded or insured separately
With leasing or a loan: full cover as required by the lender
Common mistakes
Letting younger drivers take the wheel although the tariff excludes them
Stating too low an annual mileage and not reporting extra kilometres
Driving a track day and assuming full cover pays there
Questions and answers
Frequently asked
How much is Ferrari insurance per month?
In the October 2026 tariff comparison,
a Ferrari 458 Italia with liability and full cover costs about EUR 389 a month on average,
a Ferrari FF about EUR 784.
Is a Lamborghini more expensive to insure than a Ferrari?
It depends on the model.
In the same comparison the Gallardo at EUR 4,584 a year sits just below the Ferrari 458 Italia at
EUR 4,666, while the Ferrari FF at EUR 9,403 is far above.
Type class, car value and your no claims class decide.
Can I get full cover for a supercar at 23?
Hard.
Many specialist tariffs have a minimum age or refuse young drivers.
If at all, expect a clear surcharge.
Does the car have to be kept in a garage?
Not by law, but many specialist tariffs require it.
If the car is then left outside, the insurer may reduce payment after a theft.
Does full cover pay on a race track?
Usually not.
Driving on closed circuits is excluded in many policies and needs separate track day cover.
