Lamborghini Insurance

By Jon Merwin, Founder and CEO

Lamborghini owners in New England tend to fall into two groups. Some own a 1960s or 1970s car, a Miura, an Espada or an early Countach, that comes out a handful of times a year for shows and concours events. Others own a Gallardo, Huracán or Aventador that they drive on summer weekends, and sometimes an Urus they drive every day. The insurance question is different for each, and getting it wrong usually means the wrong value, the wrong use rules or the wrong repair arrangements.

This guide covers what’s specific to insuring a Lamborghini. For how collector insurance works in general, start with our classic and collector car insurance guide. We shop collector car coverage with carriers including Hagerty, J.C. Taylor, Liberty Mutual, Cincinnati and American Modern, and we’ll confirm eligibility for your vehicle before you rely on a policy.

Which Lamborghinis are treated as collector cars?

Front-engine grand tourers: 350 GT to Jarama (1964 to 1978)

Lamborghini’s first cars were front-engine V12 grand tourers: the 350 GT and 400 GT, the four-seat Espada and Islero, and the Jarama. They’re rarer than the mid-engine cars and often less well known, which makes documented history and a careful appraisal important when you set a value.

Miura and Countach (1966 to 1990)

The Miura, launched in 1966, is widely regarded as the first mid-engine supercar, and the Countach defined the wedge shape through the 1970s and 1980s. Along with the Urraco, Silhouette and Jalpa, these are serious collectibles. They’re insured with appraisals, factory documentation, enclosed transport and secure storage, and small differences in specification, such as an early periscope Countach versus a later car, can matter a great deal to value.

Diablo, Murciélago and Gallardo (1990 to 2013)

These cars bridge the classic and modern eras. Collector interest has grown in clean, low-mileage examples, especially the small number built with gated manual gearboxes and special editions. Many are still driven, so how often you use yours decides which kind of policy fits.

Modern Lamborghinis (2011 to today)

The Aventador, Huracán, Urus, Revuelto and Temerario are modern cars, and if you drive one on summer weekends and the occasional road trip, a high-value auto policy is the usual home for it. The exceptions are the limited-run and special-edition cars, such as the SV, SVJ and Sián, that owners park after delivery and treat as part of a collection. See exotic and high-value collector car insurance for how those decisions are made, and keep the Urus you drive to work on its own everyday policy.

Polo Storico, authenticity and value

Lamborghini runs its own heritage department, Polo Storico, at the factory in Sant’Agata Bolognese. It restores classic cars, supplies original parts and certifies authenticity. For certification, specialists compare the car’s chassis, engine, body and paint numbers and its components with the factory’s original records, and a committee reviews the findings before a Certificate of Authenticity is issued. The Miura and Countach are the cars it sees most often.

No insurer requires a Polo Storico certificate, but when a classic Lamborghini’s identity is ever questioned, it settles the argument. Certified or not, build a file that holds:

• Factory build sheet, certificate of origin or Polo Storico report
• Photos of the chassis and engine numbers, engine bay, interior and underbody
• Service and restoration records, especially from marque specialists
• Concours results, appraisals and records of previous sales
• Records of original wheels, tool roll, manuals, luggage and other accessories

Values for classic and limited-production Lamborghinis can move quickly, and an agreed value from a few years ago may be behind the market. Review it at every renewal with recent sales of comparable cars. For the mechanics of setting and updating that number, read how agreed value works.

Repairs, parts and specialists

A Lamborghini is not a car for a general body shop. Older cars use hand-formed steel and aluminum panels on tube or semi-monocoque frames, and some parts are scarce or have to be remade. Modern cars use carbon-fiber or mixed aluminum and carbon structures, carbon-ceramic brakes and complex electronics that call for factory repair procedures and trained technicians. Before anything happens, find out who gets to pick the shop (ideally you, choosing a Lamborghini-approved repairer or your own specialist), whether factory parts are required and how the policy treats the weeks a part can take to arrive from Italy.

Low cars, transport and storage

A low nose and a wide body change how you move and store the car. Many owners use a front-axle lift every day, and transport usually means an enclosed trailer with low-angle ramps or a specialist carrier. Damage while loading, at a narrow storage entrance or on a steep driveway is a real part of the risk, so ask how your policy treats the car while it’s being loaded and hauled, and whether the transporter carries its own cargo coverage.

Store the car in a dry, locked, enclosed building with a battery tender and a stable temperature, and keep it off salted winter roads. If you’ve fitted a tracker or a monitored alarm, mention it when we quote. Our winter lay-up guide covers the months the car sits, the storm prep checklist is for shoreline garages, and show and trailer coverage is worth a read before the first event.

Driving: Italian car days, concours and tours

New England has a busy Italian car calendar. Tutto Italiano at the Larz Anderson Auto Museum in Brookline, Massachusetts, was held August 9, 2026, as part of the museum’s Sunday lawn event season. The Greenwich Concours d’Elegance in Connecticut marked its 30th year on May 29 to 31, 2026, at Roger Sherman Baldwin Park. Driving to a lawn event or concours and parking on the grass is precisely what a collector policy expects you to do. If you buy or sell at auction, see our guide to insuring a collector car at auction.

Lamborghini’s own owner driving programs and club days at a circuit are another story. Most policies carve out anything on a racetrack or against a clock, so call us before you sign the event waiver.

Collections and the rest of your insurance

A Lamborghini is rarely the only valuable thing in the garage. When several cars, a second home and real liability exposure are in play, we line up each car’s coverage with the home policy on the building that houses them and a single umbrella on top. If you also own a Ferrari, a Porsche or an Aston Martin, our marque guides cover what’s specific to those cars, and our guide to classic car collection insurance covers several cars on one policy.

If you have a claim

Call us as soon as it’s safe, take photos before the car is moved and don’t let a tow operator winch it onto a standard flatbed if you can avoid it. Settle the repairer and parts question with the adjuster before anyone starts work, and hand over the build file and Polo Storico report. If the car is a total loss on an agreed value policy, the settlement is the agreed figure minus your deductible.

Why work with an independent agency

Because we aren’t tied to one insurer, we can put a Miura on one program and a Huracán on another if that’s what fits, then make sure both line up with your daily cars, your home and your umbrella.

Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005. Our 15 employees work from our Portsmouth, NH office and a Connecticut office, we are licensed in 10 states, and we work with 40+ carriers. We are New Hampshire’s highest-rated agency on Google, with 1,000+ Google reviews and over 2,000 testimonials, and we don’t charge any fees.

We insure Lamborghinis garaged from the Seacoast to Fairfield County and beyond. State-specific rules on plates and registration are in our NH, CT and Maine collector guides.

Frequently asked questions

Should my Lamborghini be on a collector policy or a high-value auto policy?

It depends on the car and how you drive it. A classic or limited-production Lamborghini that is driven occasionally, stored securely and backed by an everyday car often fits a collector policy with agreed value. A Huracán, Urus or Revuelto you drive often usually belongs on a high-value auto policy. We’ll confirm eligibility for your vehicle.

Does a Polo Storico Certificate of Authenticity change my insurance?

It helps you prove what the car is. Polo Storico, Lamborghini’s heritage department in Sant’Agata Bolognese, checks a classic car’s numbers and components against the factory archive before a committee approves a certificate. That is strong evidence when we set an agreed value, so share the certificate and its report with us.

Is a Diablo, Murciélago or Gallardo old enough for collector insurance?

Often, yes, but age is only one factor. Collector insurers also look at mileage, storage, how the car is used and whether you have another car for daily driving. Clean, documented examples, especially the few built with gated manual gearboxes, are increasingly collected. We’ll look at your car and your driving.

Who repairs a Lamborghini after an accident?

Ask before you need it. Modern Lamborghinis use carbon-fiber or mixed aluminum and carbon structures that need factory procedures, specialist equipment and trained technicians. Ask whether you can choose the repair facility, such as a Lamborghini-approved body shop, and how the policy handles factory parts and long parts lead times.

Are track days covered for a Lamborghini?

Usually not. Track days, high-performance driving events and timed events are commonly excluded from collector and standard auto policies, and that includes factory driving programs and club track days. If you plan to take your Lamborghini on track, talk to us first so you know where coverage stops.

What our clients say

From our client surveys. Comments are lightly edited for typos only.

“

Jon is super helpful and amazingly communicative. He responds fast with well thought out answers making the process of getting insurance for my home and car super simple.

“

Very informative, responsive, and helpful with answering any questions we had. Helped us get the best deal and coverage, explained the differences between coverage options, and let us choose what worked best for us. Highly recommend!

“

Excellent guidance on insurance options and fantastic quoting and onboarding experience. We trust their recommendations and feel that we have best coverage for peace of mind at best possible cost.

Read more client testimonials

Sources

• Lamborghini: Polo Storico certifies “The Italian Job” Miura
• The Telegraph: inside Polo Storico certification
• Larz Anderson Auto Museum: Tutto Italiano 2026
• Greenwich Concours: schedule of events