Many luxury car enthusiasts dream of one day owning a Lamborghini vehicle, some of the most exclusive cars on the market. However, their incredibly high price tag makes this dream impossible for most! If you cannot afford to purchase a Lamborghini, you may be wondering about the cost of leasing one.
The exact cost of leasing a Lamborghini will depend on several factors, including the area you live in and the model you choose. However, if you want to lease one of these luxury vehicles, expect to pay between $2,500-$3,500 per month on average. There may also be some initial money down, a security deposit, and additional insurance coverage to consider.
Below, we’ll discuss more information on leasing different Lamborghini models. Keep reading to learn everything you need to know before signing a lease!
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How Much Does it Cost to Lease a Lamborghini?
There are two factors that will most heavily influence the cost of leasing your Lamborghini: location and vehicle model.
Different vehicles will be available at different locations, and each comes at its own cost. Below, we’ll highlight the average cost of leasing several Lamborghini models.
| Model Name | Average Monthly Leasing Cost |
| Lamborghini Aventador | $2,980-$6,200 |
| Lamborghini Huracan | $2,450-$3,110 |
| Lamborghini Huracan EVO Spyder | $2,750-$3,000 |
| Lamborghini Huracan Spyder | $2,735-$3,380 |
| Lamborghini Urus | $2,680-$3,225 |
As you can see, the monthly cost of leasing a Lamborghini can vary significantly. Expect to pay at least $2,500 per month, and consult multiple lenders in your area before making a final choice.
Who Should You Lease a Lamborghini From?
Lamborghini offers direct, in-house leasing through Lamborghini Financial Services. However, you may be able to find a better deal through third-party lenders. Both options offer their share of advantages and disadvantages, which we will discuss below.
Leasing Through Lamborghini
When you visit a Lamborghini authorized dealership, ask them about their leasing deals. Lamborghini’s in-house financing branch, Lamborghini Financial Services, may be able to help you find the perfect leased vehicle.
While the exact offers will vary based on which dealer you visit, Lamborghini Financial Services often offers very flexible lease terms.
Some of their options may include
No security deposit
Flexible mileage limits
Full warranty coverage
Minimal initial cash down
Low insurance deductible requirements
Lease payments that are calculated based on the car’s initial and future value
However, it’s almost always more expensive to lease or buy a car from the dealership than it is to do so from a third-party lender. Make sure to check out all your options before making a final choice.
Leasing Through a Third-Party Lender
Most Lamborghini dealerships have a network of private lenders that they partner with. The quality of these lenders will vary based on your dealership, so always make sure to do extensive research into a company before working with them.
Third-party lenders will typically have older Lamborghini models than what you’ll find at the dealership. However, this often means you can lease them at a lower monthly cost and for less initial cash down.
The exact benefits of leasing through a third-party lender will vary based on who you work with. Make sure to ask about any special deals, warranties, or insurance options they offer when shopping for a lender.
Leasing vs. Financing a Lamborghini: Which is Better?
Unless you have an extra $250,000-$400,000 laying around, you’ll probably want to either lease or finance your new Lamborghini.
While these options have some similarities, they also have quite a few differences. Leasing is the best choice for some people, while financing makes more sense for others.
Leasing a Lamborghini
The average monthly cost of leasing a Lamborghini is between $2,500-$3,500. This is almost always lower than the monthly cost of financing payments. When you lease, instead of paying for the car itself, you’re actually paying for the depreciation of the vehicle’s value.
Leasing is often the ideal option for anyone who isn’t 100% that a Lamborghini is the car for them.
At the end of your leasing term, you have a few different options on what to do next
Extend your leasing term
Upgrade to something else
Buy the car for the residual value
If you do want to buy the vehicle you’ve been leasing, you can choose between purchasing it outright or financing the remaining balance.
So, what are the downsides of leasing a Lamborghini? One of the biggest disadvantages is mileage limits.
Depending on who you lease your vehicle from, you may be limited to as little as 3,500 miles per year throughout the course of your lease. If you plan on doing any real driving during this time, you’ll likely need a second car.
In addition, leasing is typically only an option for new vehicles. This is because there’s often not enough value left on a used car once the lease term is up. If you’d like to drive an older Lamborghini, financing may be a better choice.
Financing a Lamborghini
When you finance a Lamborghini, it’s yours to do whatever you’d like with it. You’ll still be making monthly payments, but they’ll be towards the purchase of the vehicle rather than the vehicle lease.
However, monthly payments are much higher when you finance a car versus when you lease it. Depending on the terms of your car loan, you may pay between $4,500-$7,500 per month.
If you are certain about which car you want to purchase and intend on keeping it for a while, financing is the better option. When you finance, you can modify your Lamborghini to your heart’s content, drive it as much as you want, and even sell it later on.
Lamborghini’s are, overall, very good investments. When properly maintained, they can hold their value for decades.
How Much Does It Cost to Insure a Leased Lamborghini
When you lease your Lamborghini, the lender will likely require that you take out a full coverage insurance policy. This includes both comprehensive and collision insurance, and may also include financial protection for your vehicle.
Some lessors suggest purchasing gap insurance, as well. This type of coverage, also called Loan/Lease Gap Coverage, helps you out in the event that your car is totaled or stolen.
Gap insurance will help pay the “gap” between the car’s value and what you still owe. This type of policy is only available to leaseholders and the lessor of a vehicle. While many lenders recommend it, it’s not usually required.
With everything above taken into consideration, you can expect to pay a monthly premium of between $500-$600 to insure your vehicle. If you pay annually, expect your rates to range between $6,000-$7,500 per year.
Do All Insurance Companies Cover Lamborghinis?
For a couple of different reasons, many insurance companies will not cover Lamborghinis. The main reason is that repairing or replacing these vehicles in the event of a claim is very expensive.
In addition, since Lamborghini’s are high-performance, racing vehicles, they are more likely to be involved in an accident.
Depending on the vehicle model, your Lamborghini may qualify for exotic or luxury car insurance. Ask your preferred insurance company if they offer these types of policies.
In general, companies including Allstate, Liberty Mutual, and Esurance are most likely to cover Lamborghinis. However, this may vary based on your specific agency. Before you agree to lease a Lamborghini, call around to see if you can find insurance coverage.
How Do You Get Approved to Lease a Lamborghini?
The leasing application process differs based on the lender you work with. Typically, however, the first step is talking with a lender. They will be able to explain just how the process works and what information is required.
Many loaners allow online applications, but others require you to fill out a paper application.
To complete the paperwork, you will need the following information
Your name, address, and other contact information
Your Social Security number
Requested leasing timeframe
Other financial details
The lender will then review your information and conduct a credit check. Once the lender processes all of your information, they’ll notify you as to whether or not your application has been approved.
If possible, try to apply for pre-approval as soon as you begin the car shopping process. This will save you the time of looking at cars that you know you will not be approved for.
The Bottom Line
Getting behind the wheel of a brand-new Lamborghini is the ultimate dream for many luxury car enthusiasts. However, price tags between $200,000-$450,000 make this dream seem impossible for the average person.
If you can’t afford to purchase your own Lamborghini, leasing one is the next best thing. Leasing deals will vary based on where you shop, but the average monthly payment will be around $2,500-$3,500.
When you lease a Lamborghini, you’ll also have to consider the high cost of insurance. Monthly premiums can range between $500-$600, and annual premiums can cost $6,000-$7,500.
