How Much Does It Cost to Insure a Bugatti?

Last Updated on October 24, 2022

Bugatti makes some of the world’s most luxurious vehicles. The company manufactures fewer than 100 vehicles per year.

Understandably, it costs a lot of money to insure a Bugatti. The Bugatti Chiron Sport 110 Ans, for example, famously costs more than $50,000 per year to insure. Other Bugatti vehicles cost $2,000 to $4,500 per month.

Keep reading to discover everything you need to know about Bugatti auto insurance and how much it costs.

Table of Contents:

It Costs $2,000 to $4,500 Per Month to Insure a Bugatti

Depending on the type of Bugatti you drive, you could pay anywhere from $2,000 to $4,500 per month for full coverage car insurance.

For luxury vehicles like a Bugatti, the general rule is to price insurance at 1% to 2% of the vehicle’s value.

The Bugatti Chiron Sport 110 Ans, for example, has an estimated MSRP of $3,260,000 and an average annual insurance premium of $50,000 per year, or around 1.50% of the vehicle’s value.

Depending on the value of your Bugatti, the model, and the year, you could pay as much as $50,000 per year or as little as $20,000 per year.

Why Is Bugatti Car Insurance So Expensive?

There are some obvious and not-so-obvious reasons why Bugatti car insurance is so expensive.

Here are some of the reasons why you’re paying $50,000 per year to insure a Bugatti:

High MSRP: Bugatti makes some of the world’s most expensive vehicles. The higher the value of your vehicle, the more it will cost to insure. With MSRPS of $1 to $3 million, Bugatti’s vehicles are some of the most expensive to insure.

Low Theft Ratings But High Theft Appeal: Bugatti makes fewer than 100 vehicles per year. Bugatti has low theft ratings, which means few Bugatti vehicles are stolen each year overall. However, a Bugatti has high theft appeal. This combination of factors may lead to higher insurance premiums.

Unknown Safety Ratings: National organizations like the IIHS test vehicles for their crashworthiness and crash avoidance. However, the IIHS does not test Bugatti’s vehicles. The vehicles have unknown crash ratings, making it difficult to know how they would perform in an accident. Because insurers don’t know how they perform in an accident, they err on the side of caution with higher safety ratings.

The Cost of Luxury Insurance: Companies like GEICO and State Farm do not insure a Bugatti; instead, Bugatti owners need to work with luxury car insurance companies. These companies are specialized, unique providers who deal with unique policyholders. Understandably, they tend to charge higher premiums than larger or more mainstream companies.

High Repair Costs: You can’t roll into a local body shop with a Bugatti. Bugatti vehicles are expensive to repair, and you need to visit specialty repair shops. Higher repair prices mean higher insurance premiums. To give you an idea of how expensive it is to repair a Bugatti, it costs $20,000 to $25,000 for a Bugatti oil change.

High Performance and High Speeds: Crashes involving Bugattis are rare. However, Bugattis are capable of driving at very high speeds, which makes them a higher-risk vehicle to insure. If a Bugatti is involved in a high-speed crash, it can lead to millions of dollars worth of injuries and damages. Insurers charge higher premiums for all high-performance and high-speed vehicles.

Bugatti Car Insurance by Vehicle

Bugatti produces six types of vehicles, and insurance premiums vary widely between vehicles.

Here are all of the Bugatti vehicle types and how much you can expect to pay for car insurance:

Bugatti Veyron ($20,000 to $30,000 Per Year): The Veyron is Bugatti’s best-known vehicle. Named after racing driver Pierre Veyron, the Veyron was chosen as Top Gear’s Car of the Decade for the 2000s. The Veyron is priced at around $1.9 million. However, you can buy a used Bugatti Veyron for just $1.7 million.

Bugatti Chiron ($25,000 to $50,000 Per Year): Another well-known option from Bugatti, the Chiron had a base price of €2,400,000 at launch (around $2.5 million USD). All 200 original Bugatti Chirons sold out before the first was delivered. Today, Bugatti Chiron owners pay $25,000 to $50,000 per year to insure their vehicle, according to our research.

Bugatti Divo ($40,000 to $80,000 Per Year): Bugatti produced just 40 Divos between 2019 and 2021. Priced at $6 to $8 million, the Bugatti Divo sold out on its first day of availability. Today, Divo owners pay some of the costliest car insurance premiums in the world, with some drivers paying nearly $80,000 per year for Bugatti Divo car insurance.

Bugatti Centodieci (Unknown): Bugatti plans to produce 10 units of the Centodieci in 2022. The vehicles are priced at €8,000,000 apiece, or around $8.9 million USD. Although nobody has yet purchased car insurance for the Bugatti Centodieci, the estimated premiums are between $60,000 and $110,000 per year.

Bugatti Bolide (Unknown): Bugatti plans to release its Bolide in 2024 at a net unit price of €4,000,000. The company is limiting production to 40 units. As with the Centodieci, specific car insurance premiums are unknown. However, based on similar Bugatti models, we expect the Bolide to have average annual insurance premiums of around $40,000 to $80,000 per year.

Bugatti Vision ($100,000 Per Year): There’s only one Bugatti Vision Gran Turismo. In 2016, Bugatti sold the original Vision GT concept to a collector from Saudi Arabia. In 2017, a collector in the United States purportedly paid around $5.5 million. It’s unknown the specific price that the collector pays to insure his Bugatti Vision, although it’s estimated at over $100,000 per year.

Factors that Impact Bugatti Car Insurance

Some Bugatti drivers pay less than $10,000 per year for car insurance, while others pay more than $50,000 per year. Some of the factors that impact Bugatti car insurance include:

Driving History: If you have a safe driving record with zero accidents or tickets, then you’ll pay less for Bugatti car insurance than someone with multiple DUIs and at-fault accidents.

State Insurance Laws: Some states have high insurance requirements, complicated insurance laws, or greater risks for insurers. In these states, drivers pay significantly more for car insurance than drivers in other states. A Bugatti owner in Florida may pay $50,000 per year for coverage, for example, while a Bugatti owner in Idaho could pay just $10,000 per year.

Type and Value of Bugatti You Drive: Bugatti makes multiple types of vehicles with different MSRPs. Depending on the type of vehicle, the value of that vehicle, and the age of the vehicle, you could pay anywhere from $20,000 to $50,000 per year to insure a Bugatti.

About Bugatti

Bugatti was founded in Molsheim, France by Ettore Bugatti. Ettore, who was born in Milan, Italy, wanted to create high-end vehicles that looked great and performed better.

Ettore Bugatti lost his factory during World War II. Following the war, Bugatti mostly produced airplane parts.

Bugatti resumed the production of vehicles in 1991 with the debut of the EB110. Bugatti was forced to close in 1994, although the company re-launched in 1998 after being acquired by Volkswagen.

Bugatti launched one of its best-known vehicles, the Veyron, at its factory in Molsheim in 2006. Today, Bugatti makes some of the world’s fastest and most expensive vehicles.

Final Word on Bugatti Insurance

Bugattis have some of the highest car insurance premiums in the world. With retail prices of $2 million to $8 million, Bugattis have correspondingly high auto insurance premiums.

Contact a luxury car insurance broker or a specialty insurer to get an insurance quote for a Bugatti today.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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