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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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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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Compare car insurance for your Rolls-Royce Wraith.
How much does Rolls-Royce Wraith car insurance cost?
| 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 |
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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