Value
Values can vary significantly by model, specification, mileage, condition and market. Two cars with the same badge can be far apart.
Ferrari Insurance for Florida Owners & Enthusiasts
A Ferrari deserves more than a one-size-fits-all insurance conversation.
From weekend-driven sports cars to modern supercars and collectible Ferraris, American Atlas Insurance Group helps Florida owners explore insurance options based on the vehicle, its value, how it's used and the owner's individual needs.
Independent Insurance Agency • Florida Licensed • Exotic & Enthusiast Focus
Owning a Ferrari Is Different.
A Ferrari isn't just a more expensive car. Values move differently, repairs work differently, and owners use them differently. That's why the insurance conversation should start with the car itself. For the broader picture across supercars and specialty vehicles, see our exotic car insurance guide.
Usage
Some Ferraris are daily driven. Others cover a few thousand miles a year, or far less.
Repair
Specialized parts, repair procedures and qualified facilities make understanding the policy's repair terms especially important.
Collectibility
Certain models may behave more like collectible assets than ordinary depreciating vehicles.
From Modern Supercars to Ferrari Classics
The lineup runs from carbureted classics to plug-in hybrid supercars, and each corner of it raises different insurance questions. The examples below are for reference only.
V8 / V6
Modern mid-engine berlinettas
- 458 Italia
- 488 GTB
- F8 Tributo
- 296 GTB
V12
Front-engine flagships
- F12berlinetta
- 812 Superfast
- 12Cilindri
Flagship
Mid-engine and limited production
- SF90 Stradale
- LaFerrari
- Other limited-production models
Grand touring
Built to cover distance
- Roma
- Portofino
- California
- Purosangue
Classic
Vintage and collectible
Older and collectible models, from the 308 and Testarossa era onward. See collector & classic car insurance.
Special series
Sharper, lighter, rarer
- Challenge Stradale
- Scuderia
- Speciale
- Pista
- Competizione
Eligibility and available insurance options depend on the vehicle, driver, usage, location and carrier requirements. Not every model will qualify with every insurer.
What Is Your Ferrari Actually Worth?
Ask three Ferrari people and you may get three answers. Two cars of the same model and year can be worlds apart once you factor in:
- Model
- Model year
- Mileage
- Condition
- Specification
- Options
- Service history
- Market demand
- Limited production
- Special-series status
- Modifications
- Provenance
Purchase price is one data point. Don't assume it determines what a policy pays after a covered loss. That depends on how the policy values the car:
Actual cash value
- Value is based on
- Market value at the time of loss, reflecting depreciation, mileage and condition, per the policy's terms
Stated value
- Value is based on
- A figure you state on the policy. Many stated-value policies pay the lesser of that figure or actual cash value
Agreed value
- Value is based on
- An amount agreed with the insurer when coverage is written, where available and subject to eligibility and policy terms
The important question isn't simply what your Ferrari is worth today. It's how your specific policy determines value after a covered total loss.
More detail in our exotic car valuation comparison. Read the vehicle valuation guideWhen Something Happens, How Will the Car Be Repaired?
Nobody buys a Ferrari thinking about the body shop. It's still worth knowing how your policy handles repairs before you ever need one.
Availability and coverage depend on the insurer and policy. Don't assume any policy includes original parts or a particular repair facility without reading its terms.
OEM PARTS
Whether, and when, the policy addresses original manufacturer parts rather than aftermarket or used parts.
REPAIR FACILITY
What options you have in choosing an appropriate repair facility for the car.
CARBON & SPECIALTY PARTS
Carbon body panels, carbon-ceramic brakes and other components can be very different from conventional parts.
CALIBRATION & ELECTRONICS
Sensors, driver aids and electronics may need specialized calibration after a repair.
Garage Queen, Sunday Car or Daily Driver?
There's no wrong way to own one. There is a right way to describe it to an insurer: accurately.
Delivery miles and a battery tender.
The collector
Limited mileage, often part of a larger collection.
Early Sunday, empty roads.
The weekend driver
Driven mostly for pleasure, events and weekend use.
Why own it if you don't drive it?
The regular driver
A Ferrari that gets driven often rather than stored.
The Ferrari, the SUV and whatever's next.
The multi-car owner
A Ferrari plus daily drivers and possibly more enthusiast cars.
Usage shapes the options. Some programs are designed for limited or pleasure use, others allow more. Represent how the car is really driven when seeking insurance.
Your Ferrari Isn't Stock?
Plenty aren't. A set of forged wheels, a valved exhaust, a tune, some extra carbon. It adds up, and all of it belongs in the insurance conversation:
- Aftermarket wheels
- Exhaust systems
- Suspension
- ECU tuning
- Downpipes
- Carbon fiber
- Aero components
- Wraps
- Custom paint
- Other performance mods
What you've spent on modifications doesn't automatically determine what's paid after a covered loss. Coverage depends on the policy, the insurer and applicable limits.
Our modified car insurance page goes deeper on what to disclose and why.
Review my modificationsOne Ferrari Has a Habit of Becoming Two.
The first one scratches the itch. Then a second model comes along that does something the first one doesn't. Then something from Woking or Stuttgart. It happens more than you'd think.
What ends up in the garage
- Multiple Ferraris
- Other exotics, like a McLaren or Porsche
- Collector cars
- Daily drivers
- Luxury SUVs
- Performance vehicles
What that means for coverage
- Multiple vehicle values
- Different usage patterns
- Different mileage
- Storage
- Household drivers
- Liability limits
- Umbrella coverage
We'll help you look at how it all fits together. Whether combining vehicles or policies saves anything depends on the insurers and the cars involved.
Let's review the garageBuying a Ferrari? Talk to Us Before Delivery Day.
The best time to discover an insurance issue isn't while you're sitting at the dealership waiting to take the car home.
Whether you're buying from a dealer, at auction or from a private seller, line up insurance before the car is yours to drive away. Lenders and lessors may have their own coverage requirements, and some specialty options can take time to arrange. Have the checklist details ready and the conversation goes quickly.
I'm buying a FerrariBefore delivery day
- VIN
- Purchase price
- Model and year
- Current mileage
- Estimated annual mileage
- Financing or lease details, if applicable
- Storage location
- Driver information
- Other household vehicles
- Modifications
What About Track Days?
A Ferrari is built to be driven hard, and plenty of owners eventually want to find out what that means on a circuit. Before you do: Don't assume a personal auto policy covers track use. Track days, HPDE, racing and timed events may be excluded. Separate specialty coverage may be available depending on the event, vehicle and provider.
Street
Normal road use, subject to the policy's terms.
HPDE / track day
Not the same as street driving, and not necessarily the same as competition. May require separate specialty coverage.
Competition
Racing and timed competition involve different insurance considerations.
Signed up for a track day? Review your policy before the event, and explore appropriate specialty coverage if you need it.
The Ferrari May Be the Fun Part. It's Probably Not Your Only Asset.
We can look at the broader picture rather than treating the Ferrari as an isolated policy.
DAILY DRIVERS
Personal auto insurance for the everyday cars.
Auto insuranceHOME
Homeowners insurance for where the car lives.
Home insuranceUMBRELLA
Additional personal liability coverage, subject to applicable terms.
Umbrella insuranceCOLLECTION
Other exotic and collector vehicles.
Collector car insuranceBUSINESS
Commercial insurance, where it applies.
Business insuranceReviewing everything together is about fit and spotting gaps. Whether it saves money depends on the insurers and your situation.
Review my insuranceInsurance Guidance From People Who Actually Understand Cars.
We understand the difference between a daily driver and a car you chose for its engine, specification, chassis, history or the way it drives. That understanding helps us ask better questions about the car before we start evaluating insurance options.
Automotive knowledge
We ask about spec, mileage, modifications and use, because those details shape which options are worth looking at.
Independent agency
As an independent agency, we can look at options from more than one insurance company, subject to each carrier's eligibility.
Personalized review
Your car, your driving, your household. The review starts there, not with a generic package.
Florida service
Based in Orlando and working with owners across the state.
Ferrari Insurance Throughout Florida
American Atlas Insurance Group is an independent agency based in Orlando, serving Ferrari owners throughout Florida. That includes owners close to home in Winter Park, Windermere and Lake Nona, and across the state in Tampa, Miami, Fort Lauderdale, Boca Raton, Naples and Jacksonville.
Wherever the car is garaged, we can work with you by phone, email and online.
Get a Ferrari quoteTell Us About Your Ferrari.
The car
Year, model, VIN, value and relevant specifications.
The usage
Mileage, storage and how the car is actually driven.
The driver
Driver and household information needed to evaluate options.
The options
We review available options and explain them clearly.
Ferrari Insurance FAQ
How much does it cost to insure a Ferrari in Florida?
Ferrari insurance pricing can vary substantially based on the model, value, driver, location, mileage, usage, coverage limits, deductibles, driving history and insurer. The best way to find out is to quote the specific vehicle and driver.
Is Ferrari insurance expensive?
Ferraris can cost more to insure than ordinary vehicles because of factors like vehicle value, performance and repair costs, but premiums vary considerably by vehicle and driver.
Do I need special insurance for a Ferrari?
Not necessarily in every situation. The right arrangement depends on the Ferrari, its value, how it's used and the carrier options available.
Can a Ferrari have agreed value insurance?
Certain specialty insurance programs may offer agreed-value provisions for eligible vehicles. Availability and policy terms vary by insurer.
Can I daily drive a Ferrari and still insure it?
Potentially. Options depend on the specific vehicle, mileage, usage, driver and insurer requirements.
Can you insure a modified Ferrari?
Potentially. Modifications should be disclosed, and available coverage will depend on the vehicle, the modifications, usage and the insurer.
Does Ferrari insurance cover track days?
Don't assume a personal auto policy covers track use. Track days, HPDE, racing and timed events may be excluded. Separate specialty coverage may be available depending on the event, vehicle and provider.
Can I insure multiple Ferraris?
Potentially. Available options depend on the vehicles, usage, drivers and insurer eligibility.
Can American Atlas insure my other cars too?
We can also review personal auto coverage for your daily drivers and other eligible vehicles.
Let's Talk Ferrari.
Tell us what you drive, or what you're about to buy. We'll help you explore insurance options based on the vehicle, its usage and your individual needs.
Independent Agency • Florida Licensed • Personalized Coverage Review