Rolls-Royce Insurance Rates

Compare car insurance for Rolls-Royce

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Rolls-Royce Cullinan

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Average insurance cost for a Rolls-Royce

The average insurance cost of a Rolls-Royce varies depending on many factors, including your age, how many miles you drive in a year, your driving record and other factors. But you can expect to pay high insurance rates for this high-end automobile.

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Find your Rolls-Royce model

Get car insurance rates for your Rolls-Royce

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Motion Auto
Optional
No
AZ
Get instant coverage and track your driving over time to lower your rates.
State Farm
Optional
Yes
All 50 states
Get personalized, one-on-one support to build your policy with your local agent. Start your policy today at 877-745-0232.
Farmers
15%
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
Assurance
Optional
No
All states except AK, CA, DC, GA, HI, KY, LA, MA, MD, MI
Your broker is your one-stop shop for comparing any coverage you need.
Elephant
Optional
10%
IL, IN, MD, TN, TX, VA
An online-based brand with big discounts and 12-month rate locks.

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How a vehicle from Rolls-Royce affects the cost of insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

A Rolls-Royce’s high price tag means that it is costly to repair or replace, which increases your insurance premium.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

You’ll find coverage for this elegant luxury car with most of the big-name providers. But if you’re having trouble finding a company to insure your ride, you might need to look to specialty insurers of exotic vehicles and sports cars. This type of coverage is sometimes called “classic” auto insurance.

Average Rolls-Royce car insurance rates

Model Monthly insurance rate Base car price
Ghost $428 $250,000
Phantom $1,427 $420,325
Wraith $1,083 $317,700
Cullinan N/A $350,000

Pros and cons of insuring a Rolls-Royce

Pros

  • Not commonly targeted by thieves
  • Good safety ratings

Cons

  • Its high price tag means it is costly to repair or replace
  • Because it’s a costly investment, you’ll want more than minimum coverage

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About the Rolls-Royce brand

At the beginning of the 20th century, Henry Royce and Charles Rolls joined forces to sell cars under the name Rolls-Royce. By 1907 they’d already won their first award, The Best Car in the World. Rolls Royce carried this success throughout the following decades, and by the ’60s, the brand began to garner the attention of actors and celebrities, cementing the Rolls Royce’s status as a symbol of success.

In the ’90s, BMW bought the rights to produce Rolls-Royce cars, and today they continue to carry on the tradition of producing one of the most iconic cars on the road.

Are there any standout Rolls-Royce models?

Some might argue that any model Rolls-Royce is a stand-out model. And we’d have to agree. But the Black Badge Wraith catches our eye. Its sleek, powerful design is backed up by increased torque, enlivened steering and refined suspension. It’s definitely something to behold.

Rolls-Royce car facts

Compare Rolls-Royce competitors

Looking for other car brands? Find other car manufacturers that are similar to Rolls-Royce, or compare makes that are completely different.

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Bottom line

A Rolls-Royce is expensive to insure, but we’re guessing that if you can handle the high purchase price, you can handle the cost of insurance. But be sure to shop around to find the best car insurance for you.

Frequently asked questions about Rolls-Royce

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