Buying a Ferrari is expensive enough, but the sticker price only tells part of the story. Insurance, depreciation, financing, and everyday ownership expenses can push the cost far beyond what buyers initially expect.
In a September 10, 2026, video, YouTube creator The Economics Man breaks down what Ferrari ownership can cost, using the Purosangue as an example. His calculations suggest that owning one could cost approximately $50,000 annually when depreciation and operating expenses are combined.
The numbers become even more surprising when financing enters the picture. A buyer spreading payments over 12 years could spend hundreds of thousands of dollars on interest alone.
However, the creator also points out an advantage Ferrari has over some competing luxury brands. Certain models retain their value particularly well, although that doesn’t eliminate the substantial expenses involved in owning one.
The Real Price
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The creator begins with Ferrari’s entry-level offerings before moving to more expensive vehicles. Custom paint, carbon-fiber components, interior materials, taxes, and delivery charges can increase the final purchase price.
The 2026 Ferrari Purosangue, for example, carries a starting MSRP of approximately $424,000, according to Cars.com.
Using a $424,000 purchase price, the creator calculates that a buyer putting 20% down would finance approximately $339,000.
At 9% interest over 144 months, monthly payments would approach $3,860. Continuing those payments for the full loan term would generate approximately $217,000 in interest.
That calculation excludes insurance, taxes, fuel, and other ownership expenses.
Maintenance Adds Up
Ferrari does offer some relief from routine service costs.
The manufacturer’s seven-year maintenance program covers scheduled servicing on new vehicles, including regular inspections and specified replacement parts.
Other expenses remain the owner’s responsibility.
The creator estimates annual insurance premiums between $5,000 and $12,000, depending on the vehicle and driver. Tires, brakes, and other wear-related expenses could add several thousand dollars more.
He places typical annual running expenses at $15,000 to $30,000 after the complimentary maintenance period expires.
When estimated depreciation is included, his Purosangue example approaches $50,000 annually. Driving 3,000 miles would translate to roughly $17 per mile, although these are illustrative estimates rather than documented expenses from an individual owner.
Scarcity Changes Everything
Not every Ferrari follows the same depreciation pattern.
Limited-production models can command substantial premiums because obtaining one often requires more than simply having the purchase money.
Ferrari’s F80, for example, is limited to 799 examples.
That exclusivity is central to Ferrari’s business strategy. According to its 2025 annual report, the company delivered 13,640 vehicles worldwide, slightly fewer than in 2024, while increasing revenue.
For prospective owners, the distinction matters. An ordinary production Ferrari may lose value over time, while a particularly desirable limited-production model can behave very differently in the resale market.