A 1967 Ghibli and a 2026 MC20 don't insure the same way
Maserati's catalog runs from hand-built front-engine grand tourers of the 1960s and '70s to a modern carbon-tub supercar built on Formula 1-derived engineering. A numbers-matching classic needs agreed value, spare-parts coverage, and a repair network fluent in vintage Italian mechanicals. A current-production MC20 or GranTurismo needs OEM parts availability and coverage that doesn't blink at a spirited drive. We write to the car in front of us, not a generic "exotic" rate class.
Maserati, era by era
This page covers the Maseratis most often on our desk. If your car isn't pictured here — a Khamsin, a Merak, a model we haven't added yet — that doesn't mean we can't cover it. Ask us.
The Classics
The grand tourers and mid-engine sports cars that built the marque's reputation
Ghibli (Series I)
A front-engine V8 grand tourer and one of the definitive Maserati shapes of its era, styled by Giorgetto Giugiaro.
Bora
Maserati's first mid-engine road car — 524 built, and still one of the most collectible Maseratis of the era.
Halo Car
Maserati's modern flagship engineering statement
MC12
Built to homologate Maserati's return to GT racing — only 50 road-going examples, and among the rarest modern Maseratis.
Current Lineup
In production today
MC20
Maserati's return to building its own engine in-house — a carbon-tub supercar and the current halo model.
GranTurismo
Maserati's grand tourer, now in its second generation and available with a Folgore all-electric powertrain.
Grecale
Maserati's compact SUV and highest-volume model — underwritten differently than the sports car lineup. More below.
Beyond the models shown here, we also place coverage for earlier classics (Merak, Khamsin, Mistral, Sebring, Indy), the Biturbo-era cars, the Quattroporte and Ghibli sedans across generations, the Levante SUV, and Maserati's Fuoriserie custom-commissioned cars. If it wears the Trident, 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 |
| Ghibli 4dr 4WD (2020–22) | 218 | 254 |
| Ghibli 4dr (2020–22) | 220 | 274 |
| Levante 4dr 4WD (2020–22) | 234 | 255 |
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. Ghibli and Levante both run well above the all-passenger-vehicle average, consistent with any luxury vehicle, but notably below the results for Maserati's lower-volume sports cars — which, along with the MC12, don't have enough claims volume to meet HLDI's reporting threshold (1,000+ insured vehicle years or 100+ claims) and so don't appear in this data at all. That's itself useful information: it's exactly why the MC20 and MC12 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 for MC20 and MC12 buyers. 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 Maserati. Others keep it entirely private. Both are covered correctly.
Some owners want their Maserati seen — at Cars & Coffee, dealership showcases, Fuoriserie client events. 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 the Grecale and Levante don't get the same policy as the rest of the lineup
The Grecale and Levante are Maserati's best-selling models by a wide margin — high-volume, daily-driven SUVs built to a completely different production scale than the sports car and grand tourer lineup. That's why carriers generally write them as standard high-value auto policies rather than agreed-value collector policies, the same way a Porsche Cayenne or Lamborghini Urus is typically underwritten. Meanwhile, the classics, the MC12, and the MC20 are squarely in collector-grade territory. If your Maserati collection includes both, we'll place each vehicle with the type of policy that actually fits it.
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 Maserati 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 Maserati-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 or MC12 needs appraisal-backed value; an MC20 needs usage flexibility; a Grecale needs a standard high-value auto policy. The policy should match which one is yours.
Get your Maserati 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.