Cheap Ferrari 458 Speciale Car Insurance in 2025 (Save Money With These 10 Providers!)
USAA, Erie, and Safeco are our top providers of cheap Ferrari 458 Speciale car insurance, with rates beginning at just $98 per month. These insurers focus on offering affordable and cost-effective coverage options that cater to customers seeking value, while still ensuring excellent protection and peace of mind.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated October 2024
6,589 reviewsCompany Facts
Min. Coverage for Ferrari 458 Speciale
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
1,883 reviewsCompany Facts
Min. Coverage for Ferrari 458 Speciale
A.M. Best Rating
Complaint Level
Pros & Cons
1,883 reviews
1,278 reviewsCompany Facts
Min. Coverage for Ferrari 458 Speciale
A.M. Best Rating
Complaint Level
Pros & Cons
1,278 reviews
USAA is the leading option for cheap Ferrari 458 Speciale car insurance, offering competitive rates starting at just $98 per month for comprehensive coverage.
In collaboration with Erie and Safeco, these companies provide affordable and comprehensive solutions designed to meet customers’ peace of mind needs, especially in auto insurance.
Our Top 10 Company Picks: Cheap Ferrari 458 Speciale Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $98 A++ Military Benefits USAA
#2 $105 A+ Filing Claims Erie
#3 $112 A Online Tools Safeco
#4 $124 A Roadside Assistance AAA
#5 $127 A++ Add-Ons Auto-Owners
#6 $139 A+ Coverage Options Progressive
#7 $144 A Loyalty Discounts American Family
#8 $150 A Safe-Driving Discounts Farmers
#9 $157 A High-Risk Coverage The General
#10 $166 A+ Local Agents Allstate
#1 – USAA: Top Overall Pick
Pros
- Competitive Rates: Offers some of the lowest rates in the industry for military members and their families.
- Customer Service: High customer satisfaction ratings with 24/7 support. Read more through our USAA insurance review.
- Comprehensive Coverage Options: Extensive range of coverage options and additional benefits for members.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families.
- Limited Local Branches: Fewer physical locations compared to other insurers.
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#2 – Erie: Best for Filing Claims
Pros
- Claims Process: Known for a smooth and efficient claims process.
- Discounts: Offers numerous discounts, including for safe driving and bundling policies.
- Customer Satisfaction: High ratings for customer satisfaction and service quality.
Cons
- Availability: Coverage is limited to 12 states and Washington D.C. Learn more through our Erie insurance review.
- Digital Tools: Lacks some advanced online tools and mobile app features.
#3 – Safeco: Best for Online Tools
Pros
- Customizable Policies: Offers highly customizable insurance plans to fit specific needs. Learn more through our Safeco insurance review.
- Online Tools: Strong online presence with robust digital tools and resources.
- Bundle Discounts: Significant savings when bundling home and auto insurance.
Cons
- Rates: Can be more expensive for some coverage options compared to competitors.
- Claims Satisfaction: Mixed reviews on the claims handling process.
#4 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: Renowned for its comprehensive roadside assistance services.
- Member Benefits: Additional perks and discounts for AAA members. Find out more through our AAA insurance review.
- Coverage Options: Wide range of insurance products beyond auto insurance.
Cons
- Membership Requirement: Must be a AAA member to access insurance services.
- Pricing: Insurance rates can be higher unless bundled with membership benefits.
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#5 – Auto-Owners: Best for Add-Ons
Pros
- Add-Ons: Excellent range of policy add-ons and endorsements. Find out more through our Auto-Owners insurance review.
- Agent Network: Strong network of independent agents providing personalized service.
- Financial Stability: High financial strength ratings ensuring reliability.
Cons
- Technology: Limited online services and mobile app functionalities.
- Availability: Coverage is not available nationwide, restricted to certain states.
#6 – Progressive: Best for Coverage Options
Pros
- Coverage Options: Extensive variety of coverage options and add-ons.
- Online Experience: Strong digital presence with advanced online tools and mobile apps.
- Snapshot Program: Usage-based insurance program offering potential savings.
Cons
- Rates: Higher premiums for high-risk drivers. Read more through our Progressive insurance review.
- Customer Service: Mixed reviews on customer service quality.
#7 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Significant discounts for long-term customers. Learn more through our American Family insurance review.
- Customer Service: High marks for customer service and satisfaction.
- Coverage Variety: Wide range of insurance products including specialty coverages.
Cons
- Availability: Not available in all states, limiting access.
- Rates: Can be higher for new customers compared to other insurers.
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#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Offers various discounts for safe driving. Find out more through our Farmers insurance review.
- Policy Options: Extensive coverage options including unique policy features.
- Local Agents: Strong presence of local agents providing personalized services.
Cons
- Pricing: Higher premiums compared to some competitors.
- Customer Reviews: Mixed reviews on claims satisfaction and handling.
#9 – The General: Best for High-Risk Coverage
Pros
- High-Risk Coverage: Specializes in coverage for high-risk drivers. Learn more through our The General insurance review.
- Flexible Payment Plans: Offers flexible payment options and plans.
- Quick Quotes: Fast and easy online quote process.
Cons
- Customer Service: Lower customer service ratings compared to other insurers.
- Coverage Limits: May have more limited coverage options.
#10 – Allstate: Best for Local Agents
Pros
- Local Agents: Strong network of local agents for personalized service.
- Digital Tools: Advanced online tools and mobile app for policy management.
- Discounts: Numerous discount options available, including for bundling policies.
Cons
- Rates: Can be more expensive than other providers. Learn more through our Allstate insurance review.
- Claims Process: Mixed reviews on the efficiency of the claims process.
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Factors That Influence the Cost of Ferrari 458 Speciale Car Insurance
Understanding the Insurance Coverage Options for Ferrari 458 Speciale
Tips for Finding Affordable Car Insurance for Ferrari 458 Speciale
While insuring a Ferrari 458 Speciale can be costly, you can potentially lower your insurance costs by maintaining a clean driving record, increasing your deductibles, utilizing security measures like car alarms or tracking devices, bundling your insurance policies, and taking advantage of available discounts for safe driving courses, memberships, or age groups.
Additionally, understanding car insurance coverage types—such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage—can help you make informed decisions and find the best rates.
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Common Myths About Insuring a Luxury Sports Car Like the Ferrari 458 Speciale
Frequently Asked Questions
What factors affect the cost of Ferrari 458 Speciale car insurance?
The cost of Ferrari 458 Speciale car insurance can be influenced by various factors, including the driver’s age, driving history, location, coverage options, deductibles, and the insurance company’s policies.
Are sports cars like the Ferrari 458 Speciale more expensive to insure?
Generally, sports cars like the Ferrari 458 Speciale tend to have higher insurance rates compared to regular cars. This is because sports cars are often more expensive to repair or replace, and they may also be more prone to accidents or theft. Enter your ZIP code now to begin.
Do insurance companies offer specific coverage options for high-end cars like the Ferrari 458 Speciale?
Yes, based on our AIG insurance review, many insurance companies offer specialized coverage options for high-end cars like the Ferrari 458 Speciale. These may include agreed value coverage, which ensures that you receive the full value of your car in case of a total loss, and exotic car insurance that provides comprehensive protection tailored to the unique needs of luxury vehicles.
Can I save money on Ferrari 458 Speciale car insurance?
Yes, there are several ways to potentially save money on Ferrari 458 Speciale car insurance. You can consider raising your deductibles, maintaining a clean driving record, bundling your car insurance with other policies, installing anti-theft devices, and comparing quotes from multiple insurance companies to find the best rate.
Are there any specific insurance requirements for owning a Ferrari 458 Speciale?
Insurance requirements for owning a Ferrari 458 Speciale may vary depending on your location and local regulations. Enter your ZIP code now to start.
What are the starting rates for USAA’s car insurance for the Ferrari 458 Speciale?
The starting rates for USAA’s car insurance for the Ferrari 458 Speciale are $98 per month when you are lending your car to an uninsured driver.
Which insurance provider is noted for having the best online tools?
Safeco is noted for having the best online tools.
What are some ways to potentially lower the insurance costs for a Ferrari 458 Speciale?
Potential ways to lower insurance costs for a Ferrari 458 Speciale include maintaining a clean driving record, increasing deductibles, using car alarms or tracking devices, bundling insurance policies, and taking advantage of discounts for safe driving courses and memberships. Enter your ZIP code now to start.
What coverage options are recommended for insuring a Ferrari 458 Speciale?
Recommended by The Hartford insurance review, coverage options for insuring a Ferrari 458 Speciale include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
How does Erie perform in terms of filing claims and customer satisfaction?
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