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Rolls-Royce Wraith car insurance rates

This top-dollar vehicle's premiums are higher than many luxury sports cars.


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Dark Grey Rolls-Royce Wraith

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The Wraith is a high-powered coupe that provides a luxury experience — and an expensive insurance rate to go with it. Expect insurance to cost around $1,083 per month, or $12,996 per year. This is higher than insuring luxury sports cars like the Aston Martin Rapide at $7,512 per year, or the Ferrari 488 GTB at $9,396.

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How much does Rolls-Royce Wraith car insurance cost?

ModelMonthly insurance rateBase car price

How do I compare insurance for the Rolls-Royce Wraith?

The Wraith comes as a luxury performance coupe with a high base price. That means you may want added protection with a luxury insurance policy.

Factors that contribute to its high premium:

  • Body type. The Wraith is a luxury coupe with a large wheelbase and width — factors that likely contribute to its high insurance rates.
  • MSRP. The base price of this car rivals that of high-end sports cars, starting in the $300,000 range. That cost makes it more expensive to repair or replace after an accident.
  • Fuel. The car gets low fuel economy at 12/19 mpg due to its powerful engine, the most powerful in the Rolls-Royce car lineup to date.
  • Maintenance. While getting maintenance done at a Rolls-Royce dealership might not be cheap out of pocket, the car comes with a well-covered warranty that includes servicing and maintenance.
  • Theft. Rolls-Royce isn’t known for high theft rates, and the Wraith follows that trend.
  • Coverage. Consider luxury car insurance for this vehicle, which offers agreed value coverage and higher coverage maximums. In addition, uninsured/underinsured motorist, umbrella and gap insurance can close gaps not covered by this car’s potentially expensive accident claims.
  • Insurer options. While many standard insurers offer coverage, a luxury insurance company may prove beneficial, although it limits provider choices.
  • Warranty. Rolls-Royce treats car owners to a four-year, unlimited mileage warranty that includes servicing, maintenance, repairs and roadside assistance within the region it’s registered.

Does the Rolls-Royce Wraith qualify for discounts?

The Wraith includes standard and high-tech safety features that may help you qualify for discounts:

  • Airbags
  • Antilock brakes
  • Antitheft device
  • Backup, front and side cameras
  • Driveline traction control
  • Electronic stability control
  • Parking assistance
  • Roll stability control

Why is insurance so high for the Rolls-Royce Wraith?

The Rolls-Royce Wraith costs more to insure because it has a high base cost and customized frame requiring special parts and service. Also, since this car is a high-end luxury vehicle specialized insurance providers may be the best option.

How reliable is the Rolls-Royce Wraith?

While the Wraith lacks information about safety and reliability from both owners and experts, the car has an extensive warranty and zero recalls to date.

  • Safety. This car doesn’t come with ratings from top safety organizations. That may be due to more consumers purchasing less expensive cars as a daily driver.
  • Reliability. There’s little information about the long-term viability of the Wraith, but Rolls-Royce offers a cushioning four-year maintenance and service warranty to keep the car in good condition from the start.
  • Recalls. The Wraith doesn’t include recalls for any of its model years, hinting at its solid manufacturing.

Bottom line

The Wraith is a large luxury coupe with a high-powered engine to round out the Rolls-Royce experience. These factors may bring higher insurance rates, but you can compare multiple insurers to find the best coverage for value.

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