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Rolls-Royce Wraith car insurance rates

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

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

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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 AARP Auto Insurance Program from The Hartford
Optional
Yes
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.
Root
52%
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.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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How much does Rolls-Royce Wraith car insurance cost?

ModelMonthly insurance rateBase car price
Ghost$428$250,000
Phantom$1,427$420,325
Wraith$1,083$317,700
CullinanN/A$350,000

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.
Still looking around? Learn about rates for another make or model.

Frequently asked questions about the Rolls-Royce Wraith

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