According to our research, insuring your Bentley Continental could cost you anywhere from $270 to $1,900 a month or $3,240 to $22,800 a year. That’s a wide range, but not all providers are willing to take on such luxury.
Model
Monthly insurance rate
Base car price
Bentayga
$132
$229,100
Mulsane
$270
$198,500
Continental
$270
$303,700
Flying Spur
$240
$189,000
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
Price. Going for the cheapest rate on a luxury vehicle like the Bentley Continental isn’t always the best idea: repairs can be very expensive. Look for a mix of value and sufficient coverage in case you do need to file a claim.
Deductible. A high deductible on your Bentley might not make sense in the long run. If an accident requires costly repairs, you’ll need that amount on hand before your insurance kicks in.
Coverage. Most luxury car owners choose insurance coverage options beyond state minimum insurance requirements. Look into adding collision and comprehensive coverage to your policy to cover likely expensive repairs.
Restrictions. Not all insurance companies are willing to insure powerful sports cars like the Continental, potentially limiting your options.
Manufacturer offers. Bentley offers a three-year, unlimited-mile roadside assistance package on all new vehicles.
Why is insurance so expensive for the Bentley Continental? The Bentley Continental costs more to insure because it requires imported parts that are hard to find, making it expensive to repair. Also, not all insurance companies are willing to insure this powerful sports car, limiting your options and placing more of the pricing power in the insurance company’s hands.
What factors affect car insurance for the Bentley Continental?
Luxury sports cars like the Bentley Continental are typically more expensive to insure that other cars because parts to fix them are rare and imported.
Not only that, but the engine, features and price of each trim package can affect your insurance rates.
The Bentley Continental comes in five different trim packages, ranging widely in cost.
2018 Bentley Continental GT trim packages
Package
Engine
MSRP
GT Convertible V8
500-hp, 4.0-liter V-8
Starts at $218,400
GT Convertible V8S
521-hp, 4.0-liter V-8
Starts at $231,800
GT Convertible W12
582-hp, 6.0-liter W-12
Starts at $236,100
GT Convertible Speed
633-hp, 6.0-liter W-12
Starts at $264,300
GT Convertible Supersports
700-hp, 6.0-liter W-12
Starts at $322,600
Driver factors that affect insurance rates
Beyond the make and model of your vehicle, other factors like your age, gender, location, credit score and accident history can affect your car insurance rates.
When it comes to sports cars, insurance companies consider them a higher risk for accidents than other drivers. Why else would you drive a high-performance vehicle if not to make it perform?
If you live in a city with traffic congestion or high crime rates, you could see above-average premiums.
Does the Bentley Continental qualify for discounts?
The Bentley Continental comes equipped with safety features that could help you save on insurance, including:
Airbags
An antitheft alarm system
Antilock brakes
Stability control
Seatbelt pretensioners
Reliability and safety ratings for the Bentley Continental
Official reliability and safety ratings aren’t available for this sports car. But in recent years, Bentley has earned a reputation as one of the least reliable car brands.
In general, luxury cars tend to break down more often, and parts can be expensive and difficult to find. When you do need a repair, it can take longer than expected to get back on the road.
According to online owner reviews, reliability sounds like more of an issue if you’re buying a used Bentley. The annual mileage that you put on your Continental can also factor into its reliability and repair expense: The more miles you drive, the more likely you’ll need a repair.
Bentley Continental maintenance
Owning a luxury car like the Bentley Continental can carry a hefty price tag. Oil changes can cost some $500 a year, while other annual maintenance could cost anywhere from $1,400 to $2,500.
If you do get into a wreck or need repairs, expect to pay top dollar to fix your Bentley. Not every mechanic will work on a Bentley, so you might find yourself paying extra at a specialist mechanic or Bentley dealership.
Bottom line
Bentleys are known as sleek, fast and impressive luxury sports cars. As such, you can expect to pay above-average insurance rates, repair charges and routine maintenance costs.
By comparing car insurance rates from multiple providers, can just might find the coverage options you need a rate that fits your budget.
Gabrielle Pastorek is an SEO strategist and publisher at Finder, specializing in banking. She's written more than 800 articles on the site and is a quoted expert in Best Company, HuffPost, Reader's Digest, MSN and MarketWatch. She's secured interviews with key stakeholders in the consumer insights industry, including a senior director at the National Retail Federation. Gabrielle has edited several creative manuscripts and holds an MFA from the University of Pittsburgh and BAs in English and French from Ohio University.
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