2026 Calculator
Exotic Car Insurance Calculator
Estimate your supercar coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does exotic car insurance cost in 2026?
Exotic car insurance costs $2,500-$10,000+ per year, or roughly 2-5% of the vehicle's value. A $300,000 Lamborghini might cost $6,000-$15,000/year. Rates depend on driving record, storage, and annual mileage limits.
Why is exotic car insurance so expensive?
Exotic cars have high repair costs (OEM parts, specialized mechanics), high theft risk, and significant depreciation exposure. Insurers also factor in the higher likelihood of expensive claims from performance driving.
What insurers specialize in exotic cars?
Hagerty, Chubb, AIG Private Client, and Cincinnati Insurance specialize in exotic and high-value vehicles. They offer agreed-value coverage, track day options, and understand exotic car values better than standard carriers.