A 1963 GTO and a 2026 F80 don't insure the same way
Ferrari's catalog spans nearly eighty years — front-engine V12 grand tourers, mid-engine analog supercars, hybrid hypercars, and everything Maranello has built in between. A policy written for a numbers-matching classic needs agreed value, spare-parts coverage, and a repair network that understands vintage coachwork. A policy for a current-production 296 or SF90 needs OEM parts availability and coverage that doesn't blink at a track day. We write to the car in front of us, not a generic "exotic" rate class.
Ferrari, era by era
This page covers the Ferraris most often on our desk. If your car isn't pictured here — a coachbuilt one-off, a homologation special, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Classics
Front-engine road and racing icons that built the marque's reputation
250 GTO
36 built. The benchmark for Ferrari collector value and the car every agreed-value conversation starts with.
365 GTB/4 "Daytona"
Ferrari's flagship GT of its era — front-engine V12, coachbuilt by Scaglietti, and still deeply collectible.
Testarossa
The definitive '80s Ferrari silhouette. Values and enthusiasm for clean, unmodified cars have both climbed steadily.
The Halo Cars
One flagship per generation, each a step-change in performance
F40
The last car personally signed off by Enzo Ferrari. 1,311 built — analog, twin-turbo, and still the enthusiast's benchmark.
F50
349 built, with an F1-derived V12 bolted directly to the chassis. The most motorsport-raw of the modern halo cars.
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Enzo
400 built, named for the founder. F1-inspired aero and paddle-shift gearbox in a road car for the first time.
LaFerrari
499 built. Ferrari's first hybrid hypercar — 949 combined horsepower and the start of the current halo-car era.
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F80
The current halo car and LaFerrari's successor — extremely limited production, by invitation, and already a collector-grade asset from day one.
The Icona Series
Limited-run special series reinterpreting Ferrari's racing history
Monza SP1 & SP2
Barchetta-style speedsters based on the 812 Superfast platform, limited to 500 units across both variants combined.
Daytona SP3
A tribute to Ferrari's 1-2-3 finish at the 1967 24 Hours of Daytona, reimagined as an 840hp naturally aspirated V12 hypercar.
Current Lineup
In production today
296 GTB & GTS
V6 plug-in hybrid, 819 combined horsepower — the technical entry point into Ferrari's current hybrid lineup.
SF90 Stradale & Spider
Twin-turbo V8 plus three electric motors for 986hp combined — Ferrari's highest-output non-hypercar model.
12Cilindri & Spider
Naturally aspirated V12, no hybrid assist — the purist's choice as the rest of the lineup electrifies.
Purosangue
Ferrari's first four-door, four-seat model. Ferrari doesn't call it an SUV — and how it's underwritten depends on that distinction. More below.
Beyond the models shown here, we also place coverage for Ferrari's bespoke one-off and Special Projects commissions (cars like the SP38, P540 Superfast Aperta, Omologata, and Sergio), Ferrari Classiche-certified vintage cars, and earlier production models — 308, 328, 348, 355, 360, 430, 458, 488, F12berlinetta, GTC4Lusso, Portofino, Roma, and the rest of the catalog. If it wears the prancing horse, we can likely place it.
What published insurance data actually shows
Many of the claims made about exotic car insurance are guesswork. Where real data exists, we'd rather show it to you. The Highway Loss Data Institute (HLDI) — a nonprofit affiliated with the Insurance Institute for Highway Safety — publishes collision loss data for vehicle series with enough insured exposure to be statistically meaningful. Results are indexed to 100, representing the average result across all passenger vehicles.
| Vehicle | Relative claim severity | Relative overall losses |
|---|---|---|
| All passenger vehicles (baseline) | 100 | 100 |
| Ferrari F8 Tributo (2020–22) | 1,340 | 589 |
Source: Highway Loss Data Institute, Insurance Report R-23: Collision Losses, 2020–22 Model Years (April 2023), published by the Insurance Institute for Highway Safety. The F8 Tributo's relative claim severity of 1,340 was the single highest of any vehicle series in the entire study — not just among sports cars, across all 699 passenger vehicle series with enough data to report. That means the average collision claim on an F8 Tributo runs roughly 13.4x the average passenger-vehicle claim. HLDI's reporting threshold (1,000+ insured vehicle years or 100+ claims) means many other current and classic Ferraris — 296, SF90, 12Cilindri, Purosangue, and anything from the classic or halo-car eras — don't have enough claims volume to generate published statistics, which is itself useful information: it's exactly why these cars need a carrier that underwrites them individually rather than off a standard actuarial table.
What carriers actually ask before they'll write coverage
Specialty carriers for high-value vehicles don't just price the car — they underwrite the driver. It's common for insurers to want to see prior insurance history on other high-value or high-performance vehicles, a clean driving record, secure storage, and a realistic account of how the car will actually be used before extending coverage, particularly at the halo-car and one-off end of the range (F80, LaFerrari-era cars, Special Projects commissions). This isn't a formality: it's part of why placing this kind of policy correctly, with a carrier that actually understands the car, matters more than chasing the lowest quote.
Some owners showcase their Ferrari. Others keep it entirely private. Both are covered correctly.
Some owners want their Ferrari seen — at Cavallino Classic judging, Concorso d'Eleganza, Cars & Coffee, dealership showcases. Others prefer the opposite: no public record, no plates or VINs in photos, a car that stays out of sight entirely in private, climate-controlled storage. Both are legitimate ownership styles, and both change what the policy needs to account for. A car that's regularly showcased carries different transit, event, and liability exposure than one kept entirely private. Either way, coverage is built around the real risks these cars actually face — vandalism, wind and hail, theft, and even theft-for-ransom scenarios that specialty carriers are equipped to underwrite around, not just collision damage.
Photo via Wikimedia Commons (CC BY-SA)
Where the Purosangue actually fits
The Purosangue raises a fair question: is it a collector car or a daily-driver SUV? Unlike high-volume luxury SUVs from other exotic marques — which are usually written as standard high-value auto policies rather than agreed-value collector policies — the Purosangue's naturally aspirated V12, low allocation, and Ferrari's own positioning of it as a performance car rather than an SUV mean it's often evaluated case-by-case rather than automatically excluded from collector-grade treatment. The right answer depends on production numbers, how the car is actually used, and the carrier. We'll tell you where yours lands before you commit to a policy type.
An independent brokerage, not a single carrier
We're not captive to one insurance company, and we're not a dealership finance office. That independence is the point: our only job is finding you the right coverage at the right price, then advocating for you if you ever need to use it.
Access to multiple carriers
We shop coverage across a range of specialty and standard carriers instead of pricing everything through one company's rate table, so you see real options instead of a single take-it-or-leave-it quote.
Bundle for a better rate
Combine your Ferrari with your home, everyday autos, umbrella liability, other collector cars, and — where it applies — your business insurance. Carriers price account relationships, and that often means meaningfully better terms across the board.
Four things a standard policy misses
Agreed value, not depreciated value
The payout is set when you bind coverage — not renegotiated by an adjuster after a total loss.
OEM parts & factory-trained labor
Coverage that pays for genuine parts and Ferrari-trained technicians, not aftermarket substitutes.
Track day & performance driving
Many exotic policies exclude track use outright. We place coverage that fits how these cars are actually driven.
Collector-grade vs. daily-use exotic
A numbers-matching classic needs appraisal-backed value; a current-production car needs usage flexibility. The policy should match which one is yours.
Get your Ferrari covered correctly
Tell us about your car — model, year, how you use it, and anything else worth knowing — and we'll put together agreed-value coverage shopped across multiple carriers.