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Rolls-Royce Phantom car insurance rates

Consider a specialty policy to go with your custom-made sedan or coupe.

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

ModelMonthly insurance rateBase car price
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

loan/lease coverage
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.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Telematics only
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

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How do I compare insurance for the Phantom?

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:

  • MSRP. The Phantom’s half-million-dollar price tag means insurance companies need more money to get your car back into shape after an accident.
  • Coverage. This luxury ride may warrant luxury car insurance, offering the agreed value coverage and higher limits your car might need. In addition, consider uninsured/underinsured motorist, umbrella and gap insurance if not provided in a specialty policy to cover all damage incurred during an accident.
  • Body type. The Phantom might be called a sedan or coupe, but its full-sized body and luxury class keep it at the top end of the insurance range.
  • Powerful engine. Although not a sports car by nature, the Phantom does come with a powerful 563-horsepower engine, making it a candidate for high-speed risk.
  • Insurer options. Getting the right luxury car insurance to meet your needs limits your options, but it may be worth the exchange in quality service and coverage.
  • Maintenance. This car may need babying from a Rolls-Royce expert with access to its European-imported parts, making it more costly to service than other cars. However, all new cars from the company come with a four-year warranty with maintenance and servicing included.
  • Warranty. Every new Rolls-Royce car owner receives a four-year, unlimited mileage warranty that goes above and beyond with maintenance, servicing and roadside assistance included.
  • Fuel. Because it’s a full-sized car, the Phantom’s fuel economy is only rated at 14 mpg combined.
  • Theft. On the plus side for both car owners and insurers, the Phantom has a nonexistent theft history.

Does the Rolls-Royce Phantom qualify for discounts?

Although you’re likely to have a high rate no matter what, the Phantom includes a few reasons you could get safety discounts:

  • Airbags
  • Antilock brakes
  • Antiroll bars
  • Antitheft device
  • Antiwhiplash restraints
  • Forward collision warning
  • Lane departure warning
  • Seatbelt pretensioners
  • Stability control

Why is insurance so expensive for the Rolls-Royce Phantom?

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.

How reliable is the Rolls-Royce Phantom?

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:

  • Safety. This luxury car isn’t yet rated by the IIHS or NHTSA, possibly because consumers opt for less expensive cars for everyday use.
  • Reliability. In addition to the Phantom’s four-year maintenance and service warranty, the car is also viewed as reliable by car owners and experts. However, keep in mind that Rolls-Royce parts are expensive when the car needs repairs.
  • Recalls. Older models have a few recalls, including airbags, brakes and a safety device that prevents misfueling the vehicle — all of which pose safety concerns. However, these problems appear resolved in newer versions.

Bottom line

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.

Frequently asked questions about the Rolls-Royce Phantom

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