Lamborghini Urus Insurance Cost

Car insurance for a Lamborghini Urus in 2021 will cost an average of $540.58 per month ($6,486.96 per year). Your exact expenses depend on several aspects, such as your driving history, vehicle model, location, and so on.

How do I compare car insurance for the Lamborghini Urus?

Lamborghini Urus Insurance Cost - Lamborghini Urus Logo

This is a fair rate that takes into consideration the risk tolerance of the insurer as well as your driving history. Car providers place a significant focus on aspects like engine power and mileage.

Depending on these criteria, your premium for the Lamborghini Urus will vary:

  • Body type. A crossover SUV has five doors. All-wheel drive is offered. While a sportier Lamborghini will typically cost less to cover, an ordinary car is more expensive to insure.
  • Fuel. It features a V8, 4.0L engine with premium fuel, and the Urus uses premium gas. Insuring the powerful engine will cost you more than ensuring any other engine.
  • Theft rates. The odds of being stolen from a Lamborghini vehicle are quite minimal. It is more expensive to insure cars that are often targeted by thieves.
  • Maintenance. Because the SUV is built in Italy, components purchased in the United States may be costly or difficult to repair. The Lamborghini warranty program is quite effective when it comes to dealing with repairs and maintenance concerns.
  • Coverage. As a result, the Urus is a premium automobile, and so it is certainly worthwhile to have additional insurance.
  • Insurer options. The specialized insurance is your best chance for this high-performance automobile.
  • Warranty. In addition to a three-year/50,000-mile basic warranty, or a three-year/unlimited mile powertrain warranty, the Urus is protected by a three-year/unlimited mile total vehicle warranty. Roadside assistance and corrosion services are included. Be sure to double-check the specifics of your warranty, since you don’t want to overlap insurance coverage.
  • Manufacturer offers a unique discount. At this time, the manufacturer is not running any special deals or discounts.
  • The Urus has a 4.0L, 8-cylinder engine. It’s an 8-speed automatic with two turbochargers.
  • The average fuel cost for the Urus is $3,550 a year. This estimate takes into account current gasoline prices as well as 15,000 miles of city and highway driving. It costs $65 to fill up the 19.8-gallon tank each time. Gasoline Economy predicts that you will spend $10,500 more on fuel over the course of five years than you would on a comparable new car.

Does the Lamborghini Urus qualify for discounts?

Prices might vary depending on your vehicle insurance carrier, but on average you can save around 5% and 30% by buying a new car and installing safety features.

You could have access to these vehicle insurance savings with the Urus:

  • New car discount
  • Antitheft discount
  • Passive restraint discount

Why is insurance so expensive for the Lamborghini Urus?

The Urus’ high sticker price is matched by a hefty insurance bill. It’s rather costly to fix or replace a foreign luxury automobile, which boosts insurance costs. Furthermore, because of its high-end status, most owners go above the bare minimum liability coverage since they know they have invested in something valuable. Adding coverage increases your insurance costs.

Under the age of 25 or with a terrible driving record would most likely result in an even higher insurance premium.

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How reliable is the Lamborghini Urus?

You must ensure that the vehicle is safe and dependable before hitting the road. The Urus has several safety measures, however its safety ratings are not available at this time.

  • Safety. Though it hasn’t been crash tested by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety, like other recent luxury vehicles that have launched in the US, the Urus doesn’t have either of these safety institutes’ approval (IIHS). Edmunds also said that the car’s rear vision is poor. Safety features like anti-lock brakes, stability control, pretensioners, and front, side, and overhead airbags are all standard on the Urus. Night vision sensors, a highway assistance camera, and a pre-crash front all help the car see things that others can’t in the dark.
  • Reliability. The Urus has not been included on the US News ranking list. In general, modern Lamborghinis have a reputation for being dependable. Also found in more well-established and dependable vehicles, such as the Audi Q7 and Bentley Bentayga, the Urus employs an engine type that is exclusive to itself.
  • Recalls. As of the time of this writing, the Urus has never had a recall, and no customer complaints have been lodged. There are no prior reviews that can be referenced, as it is the first time anything like this has been created.

Bottom line

It’s no wonder, since it’s a premium automobile, that the insurance on the Urus is more expensive. Despite a three-year guarantee and several safety features, like ABS, traction control, and Hill Descent Control, the SUV doesn’t come with any loyalty discounts or cashback benefits.

Visit our review of BMW 2 Series Insurance Cost for another car insurance review.