Exotic Car Insurance for Extraordinary Vehicles.
Exceptional vehicles deserve a more personalized approach to insurance. Our agents compare options from 20+ top-rated carriers to help protect your exotic car with solutions tailored to your vehicle and lifestyle.
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Specialized Protection for Exceptional Automobiles
With FirstMark Insurance’s dedicated personal insurance team, you get local experts comparing coverage from over 20 insurance carriers to help find the right protection for your exotic vehicle—with strong coverage and competitive pricing
Exotic cars aren't ordinary vehicles, and they may not always be best served by ordinary auto insurance. A Lamborghini, Bugatti, Ferrari, McLaren, or other high-value performance vehicle can represent a substantial investment while requiring specialized parts, highly trained technicians, and unique repair procedures.
Exotic car insurance can provide protection tailored to the value, performance, and use of these exceptional automobiles. Depending on the vehicle and owner, coverage may be available through traditional auto insurers, high-value insurance programs, or specialty companies focused on exotic and collector vehicles.
The appropriate policy may depend on the vehicle's value, annual mileage, storage, driver experience, modifications, collection size, and whether the exotic car is regularly driven or primarily reserved for weekends, events, and recreational use.
What Cars Can Exotic Car Insurance Cover?
Exotic and high-performance vehicles come from manufacturers around the world. Insurance options may be available for qualifying vehicles from brands such as:
- Lamborghini – Revuelto, Temerario, Urus, Huracán, Aventador and other models
- Bugatti – Chiron, Veyron, Tourbillon and other qualifying models
- Ferrari – 296, SF90, Roma, Purosangue, 12Cilindri and other models
- McLaren – Artura, 750S, GTS and other models
- Aston Martin – Vantage, DB12, Vanquish and other high-performance models
- Bentley – Continental GT, Flying Spur, Bentayga and other models
- Rolls-Royce – Cullinan, Ghost, Phantom, Spectre and other models
- Lotus – Emira, Eletre and other models
- Maserati – MC20 and other performance models
- Pagani, Koenigsegg and other ultra-high-value automobiles
- Limited-production and specialty Porsche, Mercedes-AMG, Audi, BMW and other performance vehicles
Eligibility can vary considerably between insurance companies. Vehicle value, performance, rarity, repair requirements, and driver qualifications may all affect which insurers are willing to provide coverage.
Lamborghini Insurance
Lamborghini insurance may require special consideration because of the performance, value, specialized construction, and repair costs associated with these vehicles. Insurance options may be available for models ranging from the Lamborghini Urus to high-performance supercars such as the Revuelto and other qualifying models.
Owners may want to consider vehicle valuation, OEM parts, repair facility options, liability limits, annual mileage, and coverage for modifications or optional equipment when comparing policies.
Bugatti Insurance
A Bugatti represents the extreme end of the exotic automobile market. Values can reach levels far beyond those of typical luxury or performance vehicles, which can significantly limit the number of insurance companies willing or able to provide appropriate coverage.
Bugatti insurance may require specialized underwriting based on the specific vehicle, its value, storage, security, drivers, usage, and the owner's overall vehicle collection. Coverage may be placed through insurers specializing in high-net-worth individuals, collector vehicles, or exceptionally high-value automobiles.
Ferrari & McLaren Insurance
Ferrari and McLaren insurance may also benefit from specialized coverage. These vehicles combine high values with sophisticated engineering, lightweight materials, advanced electronics, and significant performance capabilities.
Some owners drive their vehicles regularly, while others may accumulate only limited annual mileage. Accurately describing how the vehicle is used can help determine which insurance program may be appropriate.
Coverage Options for Exotic Cars
Depending on the insurer, vehicle, and eligibility requirements, exotic car insurance may offer options such as:
- Liability Insurance – May provide protection for qualifying bodily injury and property damage claims for which the driver is legally responsible.
- Collision Coverage – May help pay for qualifying damage resulting from a collision.
- Comprehensive Coverage – May provide protection for certain losses involving theft, vandalism, fire, weather, or other covered events.
- Agreed Value Coverage – May establish an insured value for a qualifying exotic or collector vehicle.
- OEM Parts Coverage – May be available to address the use of original manufacturer components following a qualifying loss.
- Specialized Repair Options – Certain policies may provide access to repair arrangements appropriate for exotic automobiles.
- Custom Equipment Coverage – May be available for qualifying modifications or aftermarket equipment.
- Higher Liability Limits – May be appropriate for owners seeking greater asset protection.
- Personal Umbrella Insurance – May provide additional liability protection above qualifying underlying policies.
Coverage availability, limits, exclusions, deductibles, and eligibility can vary substantially between insurers.
Agreed Value Insurance for Exotic Cars
Vehicle valuation can be especially important when insuring an exotic automobile. Some rare, limited-production, or highly desirable vehicles may not fit traditional automobile valuation methods particularly well.
Agreed value coverage may be available for certain qualifying exotic cars. Under this type of coverage, the insured value is established according to the terms of the policy.
Other valuation methods may also be available. Owners should carefully review how a policy determines the value of their vehicle following a qualifying total loss rather than assuming every exotic car policy provides the same settlement method.
Exotic Car Collections
Many exotic car owners have more than one specialty vehicle. A collection might include a Ferrari, Lamborghini, Porsche, Bentley, classic automobile, and several everyday vehicles.
Depending on the insurer, it may be possible to insure multiple qualifying vehicles as part of a high-value or collector automobile insurance program. This can make it easier to coordinate vehicle valuations, liability limits, drivers, and other insurance needs across a collection.
Owners with substantial vehicle collections may also want to coordinate their auto insurance with homeowners, umbrella, and other personal insurance policies.
Limited-Use and Collector Exotic Cars
Not every Lamborghini or Ferrari is driven to work each morning. Some exotic vehicles may only be used for weekend drives, automobile events, shows, or other recreational purposes.
Specialty insurance programs may offer coverage for qualifying limited-use vehicles. Eligibility could depend on annual mileage, storage, vehicle value, household vehicles, driver qualifications, and other underwriting factors.
It's important to accurately describe how the vehicle is used so the insurance policy matches the owner's actual driving habits.
How Much Does Exotic Car Insurance Cost?
There isn't a standard price for exotic car insurance. Premiums can vary dramatically based on the vehicle and owner.
Insurance companies may consider factors including:
- Make, model, and model year
- Vehicle value and rarity
- Performance characteristics
- Driver age and driving history
- Annual mileage and vehicle usage
- Where and how the vehicle is stored
- Security and theft protection
- Repair and replacement costs
- Modifications and custom equipment
- Coverage limits and deductibles
- Other vehicles in the collection
The insurance needs and pricing for a Lamborghini Urus may be very different from those of a limited-production Ferrari or multimillion-dollar Bugatti.
Compare Exotic Car Insurance
When you're insuring an exotic automobile, the lowest premium may not necessarily provide the best value. How the vehicle is valued, where it can be repaired, which parts may be used, available liability limits, and how a total loss is handled can all be important considerations.
An independent insurance agent may be able to compare traditional, high-value, and specialty insurance companies to find coverage appropriate for your exotic vehicle or automobile collection.
FAQs
What cars qualify for exotic car insurance?
Eligibility varies by insurance company, but coverage may be available for qualifying Lamborghini, Ferrari, Bugatti, McLaren, Aston Martin, Bentley, Rolls-Royce, Porsche, Pagani, Koenigsegg, and other high-value or performance vehicles. Vehicle value, rarity, usage, and driver qualifications may affect eligibility.
Do exotic cars need agreed value insurance?
Agreed value coverage may be worth considering for certain exotic, rare, or collector automobiles. Availability depends on the insurer and vehicle. Other valuation methods may also be offered, so owners should review how a policy would value their particular vehicle following a qualifying total loss.
Can I insure multiple exotic cars together?
Some insurance companies offer high-value or collector automobile programs capable of covering multiple qualifying vehicles. These programs may be appropriate for owners with collections containing exotic, luxury, performance, and classic automobiles.
Can an independent insurance agent insure a Lamborghini, Ferrari or Bugatti?
Independent insurance agents may have access to insurers specializing in high-value, exotic, performance, and collector automobiles. Availability can depend heavily on the specific vehicle, driver, usage, location, and value, particularly for exceptionally rare or expensive vehicles.