Ferrari GTC4 Lusso Car Insurance Cost 2025
The average annual cost of insuring a Ferrari GTC4 Lusso is $3,358. However, the actual price can vary depending on factors like your age, the car’s model year, and other individual circumstances. Check out our quote tables below to get a personalized estimate.
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Insuring a 2025 Ferrari GTC4 Lusso T is notably more expensive than average vehicles due to its high value and specialized repair costs. The average annual insurance premium for this model is approximately $3,358, equating to about $279 per month. However, premiums can vary significantly based on factors such as the model year, driver’s age, location, and driving history.
For instance, a 2022 model may cost around $6,044 annually, while a 2023 model might be as low as $960 per year.
Specialty insurers like Grundy and Hagerty often offer tailored policies for exotic cars, which can sometimes be more cost-effective than standard insurers. To obtain the most accurate and competitive rates, it’s advisable to compare quotes from multiple insurance providers.
How Much Does Ferrari GTC4 Lusso Car Insurance Cost?
Ferrari GTC4 Lusso owners typically pay an average of $3,358 annually for car insurance.
While Metropolitan’s rate is a good benchmark, car insurance costs can vary widely based on several factors. These include your location, driving history, car’s age, and the coverage options you choose. A clean driving record usually means lower premiums, while a history of accidents or traffic violations can increase your rates.
Living in a busy city generally leads to higher insurance costs compared to living in a quiet rural area. The type of coverage also affects your premium – comprehensive coverage, which includes both comprehensive and collision, is more expensive than basic liability coverage.
At Insuranceopedia, we help you compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Ferrari GTC4 Lusso By Model Year
| Model Year | Average Premium |
| 2025 Ferrari GTC4 Lusso | $4,204 |
| 2020 Ferrari GTC4 Lusso | $1,702 |
| 2018 Ferrari GTC4 Lusso | $5,397 |
| 2017 Ferrari GTC4 Lusso | $2,299 |
2025 Ferrari GTC4 Lusso Insurance Rates
The average annual insurance cost for a 2025 Ferrari GTC4 Lusso is $4,204. However, Geico offers the cheapest rates, averaging $1,500 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $5,394 |
| Chubb | $5,600 |
| Geico | $1,500 |
| Hagerty | $3,400 |
| American Modern | $3,000 |
| PURE Insurance | $5,800 |
| Grundy | $1,750 |
| State Farm | $5,200 |
| Allstate | $5,300 |
| USAA | $5,100 |
2020 Ferrari GTC4 Lusso Insurance Rates
The average annual insurance cost for a 2020 Ferrari GTC4 Lusso is $1,702. However, Metropolitan offers the cheapest rates, averaging $1,657 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,657 |
| Penn National | $1,747 |
2018 Ferrari GTC4 Lusso Insurance Rates
The average annual insurance cost for a 2018 Ferrari GTC4 Lusso is $5,397. However, SafeAuto offers the cheapest rates, averaging $5,397 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $5,397 |
2017 Ferrari GTC4 Lusso Insurance Rates
The average annual insurance cost for a 2017 Ferrari GTC4 Lusso is $2,299. However, Nationwide offers the cheapest rates, averaging $1,810 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,810 |
| Travelers | $2,006 |
| Unitrin | $3,081 |
Find Affordable Ferrari GTC4 Lusso Insurance Rates
Are Ferrari GTC4 Lussos expensive to insure?
Yes, insuring a Ferrari GTC4 Lusso T can be costly compared to standard vehicles. Premiums for this high-performance car often exceed $5,000 annually, reflecting its luxury status and powerful engine. Factors such as the driver’s age, location, driving history, and chosen coverage levels significantly influence the insurance cost. Additionally, the vehicle’s high repair costs and susceptibility to theft contribute to higher premiums. While some insurers may offer specialized policies or discounts for limited mileage or secure storage, owners should be prepared for above-average insurance expenses. It’s advisable to compare quotes from multiple providers to find the most competitive rate tailored to individual circumstances.
Cheapest Car Insurance Companies For A Ferrari GTC4 Lusso
These estimates are derived from various sources and adjusted to reflect potential variations. Geico offers the most competitive rate, with an estimated annual premium of $385, translating to approximately $32 per month. AAA and State Farm follow closely, offering annual premiums of $410 and $435, respectively. Travelers and Progressive complete the list with slightly higher premiums.
It’s important to consider that insurance premiums for high-performance vehicles like the Ferrari GTC4 Lusso can vary significantly based on factors such as driver age, location, driving history, and coverage options. Additionally, some insurers may offer specialized policies or discounts for limited mileage or secure storage.
| Insurance Company | Average Monthly |
| Geico | $32 |
| AAA | $34 |
| State Farm | $36 |
| Travelers | $40 |
| Progressive | $43 |
Common Ferrari GTC4 Lusso Insurance Discounts
Discounts can help you significantly lower your car insurance costs. While each provider offers unique options, here are some common discounts to consider:
- Multi-policy: Bundling your auto and home insurance with the same provider often results in a lower premium.
- Pay annually: Paying your entire premium upfront instead of in monthly installments can save you money.
- Defensive driving: Completing a certified defensive driving course may qualify you for reduced rates.
There may be additional discounts available. Consult your insurance agent to explore all the options you might be eligible for.
Compare Ferrari GTC4 Lusso To Other Ferrari Models
Looking for other Ferrari model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia reviewed thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may not reflect your personal circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Ferrari GTC4 Lusso?
Yes, you’ll need to provide proof of insurance before you can drive your Ferrari GTC4 Lusso off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than relying on the dealership for coverage.
How Can You Get The Cheapest Insurance For Your Ferrari GTC4 Lusso?
The best way to find the most affordable rates for your Ferrari GTC4 Lusso is by shopping around and comparing quotes from various auto insurance companies. Luckily, Insuranceopedia makes this simple by allowing you to compare quotes from multiple providers directly on our website.
