Bentley Mulsanne car insurance rates

Bentley Mulsane car insurance rates

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • A 30-year-old driver in Pennsylvania
  • Drives a 2018 Bentley Mulsanne, base package.
  • Drives between 10,001 to 15,000 miles a year
  • No accidents in the past five years
  • Antitheft device on the vehicle
  • Good credit

How to compare insurance for the Bentley Mulsanne

You’ll probably have to call a few insurance companies to get an accurate insurance quote for your Mulsanne, given how pricey they are. Most companies won’t even try giving you an online quote for this luxury vehicle. Geico, Progressive and Travelers are among the providers that won’t touch a Bentley, while Erie, Farmers and Allstate will.

When comparing insurance options for the Bentley Mulsanne, consider:

• Price. Since repairs can be costly, you probably don’t want to go for the lowest insurance rate you can find for your Bentley Mulsanne. Instead, compare your options to find the best value for your needs.
• 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 coverage 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 luxury cars like the Mulsanne, so your options could be somewhat limited.
• Manufacturer offers. Bentley offers a three-year, unlimited-mile roadside assistance package on all new vehicles.

Why is insurance so expensive for the Bentley Mulsanne?

The Bentley Mulsanne costs more to insure because owning such a luxurious car means you may need coverage much higher than state minimums, and more coverage means higher premiums. Also, not all insurance companies are willing to insure a luxury vehicle like the Mulsanne, limiting your provider options.

What factors affect car insurance for the Bentley Mulsanne?

Luxury cars like the Bentley Mulsanne are typically more expensive to insure than other vehicles because parts to fix them are rare and imported. Plus, not all shops will work on a Bentley, so you might have to pay top dollar to take yours to a dealership or expensive specialty shop.

Your insurance rates could also be affected by which of the three Mulsanne trim packages you drive:

• Mulsanne Base. This is the least expensive model, although it starts at $304,670.
• Mulsanne Speed. This model boasts 530 hp, while the Base and Extended Wheelbase models clock in at 505 hp. Although the Mulsanne Speed is slightly less expensive than the Extended Wheelbase model, you might pay extra to insure this one because it’s faster.
• Mulsanne Extended Wheelbase. This is the most expensive model, starting at $361,500, and offers a roomier backseat.

Does the Bentley Mulsanne qualify for discounts?

Yes, the Bentley Mulsanne comes equipped with safety features that could land you a discount on your premium, including:

• Antilock brakes
• Stability control
• Parking sensors
• Blindspot alerts
• Airbags
• Pretensioners
• Antitheft security system

Reliability and safety ratings for the Bentley Mulsanne

Because the Bentley Mulsanne is so expensive and therefore isn’t a very common car on the road, there’s no official safety or reliability data for it. But Bentley in general has earned a reputation for being one of the least reliable car brands in recent years.

One possible reason for this is that luxury cars in general tend to have more problems than your average daily driver, plus parts can be pricey and hard to find.

According to online owner reviews, reliability sounds like more of an issue if you’re buying a used Bentley or if you drive your Bentley more frequently than just to show it off every once in a while. After all, the more you drive it, the higher the chances of something breaking.

The Bentley Mulsanne series maintenance

Luxury cars like the Bentley Mulsanne don’t just cost a lot to buy — the maintenance and repair costs are above average. Expect to pay around $500 a year for regular oil changes, plus an additional $1,400 to $2,500 a year in other maintenance costs.

You’ll also have to shop around for a mechanic that work on Bentley Mulsannes, because most won’t touch a luxury car like this one. Expect to pay extra and wait longer when you bring your Bentley to dealership or specialty shop.

Bottom line

Bentleys are known for their speed, luxury and hefty price tag. You can expect to pay more than average to insure, repair and maintain your Mulsanne.

Compare insurance rates from multiple providers to find the best value on coverage that makes sense for your luxury car.