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Rolls-Royce Insurance Rates

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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.

Find your Rolls-Royce model

Rolls Royce Cullinan
Rolls Royce Cullinan
Rolls Royce Phantom
Rolls Royce Phantom
Rolls Royce Phantom
Rolls Royce Wraith

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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.

Average Rolls-Royce prices

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

Companies that provide coverage for Rolls-Royce

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.

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA

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Are there any standout 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.

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

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.

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.

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Frequently asked questions about Rolls-Royce

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Julia Cameron

Julia Cameron is a writer and editor at finder.com who has experience writing in a variety of fields, including finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

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