A hand-built Modenese atelier, not a mass manufacturer
Pagani has built fewer cars across its entire 25-plus-year history than many manufacturers sell of a single trim in one year. A Zonda needs agreed value and a repair network that understands hand-laid carbon-titanium construction from a company that was, at the time, barely a decade old. A current Utopia needs coverage built around a documented appraisal, since there's effectively no comparable-sales database for a car built in numbers this small. A Grandi Complicazioni one-off like the Huayra Codalunga Speedster — ten units, worldwide — needs bespoke valuation from day one. We write to the car in front of us, not a generic "hypercar" rate class.
Pagani, era by era
This page covers the Paganis most often on our desk. If your car isn't pictured here — a specific Zonda or Huayra special edition, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Zonda Era
Horacio Pagani's first production car and the model that built the marque's reputation
Zonda
Roughly 140 units built across every C12, S, F, Cinque, Revolución, and special-edition variant over two decades — Pagani's founding model and, for many collectors, its most desirable.
The Huayra Era
The Zonda's successor, and the platform Pagani continues to build special editions on today
Huayra
Limited to 100 units under Pagani's engine-supply agreement with Mercedes-AMG, plus the later Huayra Roadster and track-only Huayra BC variants.
Current Lineup
In production today
Utopia
Pagani's third model era, offered as a coupe (99 units, all allocated) and a Roadster (130 units) with the option of a manual gearbox — a genuine rarity in this class of car.
Grandi Complicazioni One-Offs & Limited Specials
Pagani's in-house division for bespoke commissions and ultra-limited runs built on the Huayra and Zonda platforms
Huayra Codalunga
A 5-unit coupe honoring 1960s long-tail endurance racers, followed by a 10-unit Codalunga Speedster with deliveries beginning in 2026.
Beyond the models shown here, we also place coverage for other Grandi Complicazioni commissions as they're announced — cars like the Huayra 70 Derecho (one of a three-car series marking Horacio Pagani's 70th year) and the Zonda Cervino. If it wears the Pagani badge, we can likely place it.
Why you won't find published loss data on a Pagani
The Highway Loss Data Institute (HLDI) — a nonprofit affiliated with the Insurance Institute for Highway Safety — publishes real collision loss statistics by vehicle series, and we cite that data on several of our other marque pages where it exists. It doesn't exist for Pagani. HLDI's reporting threshold is 1,000+ insured vehicle years of exposure or 100+ claims nationally, and Pagani has built roughly 350 to 400 cars in total across its entire history — fewer than many other manufacturers build of a single model in a single month. No Pagani model comes remotely close to HLDI's threshold. We'd rather tell you plainly that the data doesn't exist than cite a number that isn't real. What this actually means in practice: a Pagani can't be priced off an actuarial table at all — it has to be underwritten individually, based on the specific car's build, value, and use, by a carrier that specializes in this tier of vehicle.
What carriers actually ask before they'll write coverage
Specialty carriers for hypercar-tier vehicles don't just price the car — they underwrite the driver. It's common for insurers to want documented 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 at this level. For a Pagani specifically, expect this scrutiny to be as thorough as it gets — these carriers are underwriting some of the rarest, most valuable cars in the world, and they treat it that way. This isn't a formality: it's part of why placing this kind of policy correctly matters more than chasing the lowest quote.
Some owners showcase their Pagani. Others keep it entirely private. Both are covered correctly.
Some owners want their Pagani seen — at Pebble Beach, Pagani client gatherings, 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)
Why agreed value has to be set car-by-car
Pagani doesn't have a daily-driver trim or an SUV to write differently from the rest of the lineup — every Pagani is inherently a collector-grade, agreed-value proposition. The real nuance here is specification. Many Zondas and Huayras were built to individual client specification, with unique paint, interior trim, and carbon-fiber weave patterns, so two cars of the same model can carry meaningfully different replacement values. We don't price a Pagani off a generic model average; we work from the build sheet, options, and documentation for your specific car so the agreed value actually reflects what you own — and for Grandi Complicazioni one-offs, from a full independent appraisal.
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 Pagani 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 Pagani-trained technicians — a wait for factory parts is common, and coverage needs to account for extended repair timelines, not just the repair bill.
Client-spec & one-off valuation
A bespoke Zonda or a Grandi Complicazioni commission has no comparable-sales database. Coverage needs to be built around a real, documented appraisal — not a generic model-average lookup.
Genuinely collector-grade, no exceptions
Unlike marques with a daily-driver SUV or sedan, every Pagani is squarely in agreed-value collector territory. The policy should reflect that from day one, not treat it as an afterthought.
Get your Pagani covered correctly
Tell us about your car — model, year, how you use it, and anything else worth knowing — and we'll put together coverage shopped across multiple carriers.