The Cullinan’s luxury status, size and coverage needs make it very expensive to insure. Its rate is estimated at $979 per month or $11,748 per year, which ranges over $8,000 above luxury SUVs like the Maserati Levante. Filter car insurance companies by your state to get a quote.
Why is insurance so expensive for the Rolls-Royce Cullinan?
The Rolls-Royce Cullinan costs more to insure because it requires specialized maintenance due to its luxury parts. Also, this is a heavy duty luxury vehicle likely to cause more damage in an accident.
How do I compare insurance for the Cullinan?
The Cullinan comes as a heavyweight SUV with a luxury price tag, specialized maintenance and coverage needs and limited insurance options. However, you’ll get a loaded warranty package — including maintenance and repairs — to help offset the cost.
Body type. This SUV keeps up with the company’s luxury class but packs it into a heavier frame, which may cause more damage during an accident.
Fuel. Like other luxury vehicles, this one doesn’t boast fuel economy, getting only 14 mpg combined.
Theft. Rolls-Royces are not known to have theft problems.
Maintenance. Although a common body style, this SUV may require all the attention of Rolls-Royce’s other cars, including European parts and specialist mechanics.
Coverage. Consider luxury car insurance to cover the Cullinan’s hefty MSRP, which would give you agreed value coverage and higher limits. Also, you might look into uninsured/underinsured motorist and GAP insurance for further protection of your investment.
Insurer options. You may opt for luxury car insurers, which limits your options and raises your premium.
Warranty. With every Rolls-Royce, you receive a warranty that includes 4-year, unlimited mileage maintenance, repairs and roadside assistance.
Does the Rolls-Royce Cullinan qualify for discounts?
The Cullinan includes several safety features to help you bring down rates as much as possible.
ABS brakes
Active cruise control
Airbags
Antitheft system
Collision warning
Cross-traffic warning
Four-camera parking monitor
Lane change assist
Lane departure warning
Pedestrian warning
Seatbelt pretensioners
Stability control
Why is insurance so high for the Rolls-Royce Cullinan?
This SUV rides high in luxury and insurance rates. A Rolls-Royce ticket price, combined with a heavy frame, powerful engine and European parts all spell dollar signs for this vehicle.
High MSRP. The Cullinan tops other luxury brands with SUV pricing with its $350,000 MSRP. Many other brands keep theirs below $100,000.
Powerful engine. This vehicle packs 563 horsepower into a twin-turbocharge V-12 engine, giving it a big dose of powerful speed on the road.
Weight. An accident with this SUV means colliding with a nearly 6,000-pound vehicle. Its sheer weight will likely cause heavy damage.
Specialized repairs. The Cullinan may require extra coddling with imported parts and a Rolls-Royce mechanic, making repairs more expensive.
Increased coverage. You may opt for a luxury policy to cover the sky high MSRP and personalizations.
How reliable is the Rolls-Royce Cullinan?
Rolls-Royce vehicles may not have much in the way of reliability information. But the Cullinan’s modern safety tech and tested inner workings suggest you may not have major issues with this SUV.
Safety. The Cullinan isn’t yet rated for safety by the IIHS or NHTSA, possibly due to more customers looking into less expensive vehicles.
Reliability. While you won’t find much information about this up-and-coming vehicle’s reliability, the Cullinan does use the company’s tried-and-true engine and base. It also comes with an unlimited mileage warranty to dispel any initial problems.
Recalls. This brand new luxury SUV has yet to show any recalls in its first few months of life.
Bottom line
The Rolls-Royce Cullinan embodies luxury with its towering ticket price, big frame and specialized maintenance and repairs. All those add up to a high insurance rate that’s not atypical for a Rolls-Royce. Find providers that can handle your luxury SUV’s coverage, or look into insurance for another make or model.
Frequently asked questions about the Rolls-Royce Cullinan
The Cullinan ranges from $330,000 to $390,000, depending on added features.
The Cullinan’s powerful engine can reach 60 mph in about 5 seconds.
The Cullinan comes with lambswool floor mats, chrome and aluminum accents, customized leather and wood interior, digital dashboard, 21-inch wheels, Rolls-Royce wheel center caps, twin-turbo V-12 engine, self-leveling air suspension, all-wheel drive, rear viewing suite with leather seats and cocktail table operating from pushbutton and rear cabin partition glass to separate backseaters from luggage.
You can also opt for an individual four-seat setup with a drink cabinet between the back seats, along with branded champagne flutes, whiskey glasses and decanter. Or you can choose the five-seater option for more passengers.
Sarah George is a personal finance writer at Finder who’s spent the last four years wielding her digital pen on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
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