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Insurance rates for this luxurious ride are around $1,427 per month or $17,124 per year. That rate stands well above other luxury sedans, like the Maserati Quattroporte at $5,196 per year, and even above sports and supercars like the Ferrari GTC4 Lusso at $11,436 per year. Look into a policy that’ll cover any top-dollar damage to your customized car.
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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 |
The Phantom stands at the top end of its luxury class with a sale price to match — and that means your insurance company needs more money to cover you for an accident. Expect rates well above average, even for a luxury car.
These factors lend the Phantom to its sky-high premium:
Although you’re likely to have a high rate no matter what, the Phantom includes a few reasons you could get safety discounts:
The Rolls-Royce Phantom costs more to insure because it’s a highly customized luxury car at the top end of its class and requires expensive European-imported parts. Also, it embodies a strong engine making it a high-speed risk to insurers.
While not reviewed by leading safety organizations, the Phantom is considered safe and reliable for owners across its lifespan. It does include a few past recalls, but this car’s long production history is a testament to its popularity and reliability for luxury car owners:
The Rolls-Royce Phantom keeps an elite status among luxury cars for its top-of-line features and long production history. However, expect the highest car insurance rates among luxury cars to mirror the car’s ticket price and coverage needs.
Compare insurance providers that cover your luxury car needs, or learn about insurance for another make or model.
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