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Rolls-Royce Insurance Rates

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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. Filter car insurance companies by your state to get a quote.

ModelMonthly insurance rateBase car price
Ghost$428$250,000
Phantom$1,427$420,325
Wraith$1,083$317,700
CullinanN/A$350,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
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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.

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.

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

  • They’re not only some of the most expensive cars out there, but Rolls Royces are also among the most expensive vehicles to insure. You’ll typically want more than just minimum liability coverage for this sports car, expanding your protection through an umbrella policy and comprehensive coverage.
  • Rolls Royce not only makes luxury cars, they also are one of the world’s leading producers of aero engines for large civil aircraft and corporate jets.
  • Not every insurance company sells specialty or high-end car insurance. Compare providers specializing in high-performance car insurance.

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.

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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