Rolls-Royce Ghost Car Insurance Cost 2025
Getting insurance for a Rolls-Royce Ghost costs $1,460 per year, on average. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs. Comparing quotes from different insurance providers is essential to find the best rate for your unique profile.
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If you’re thinking about buying a Rolls-Royce Ghost, one crucial aspect to consider is the insurance cost. On average, insurance for a Rolls-Royce Ghost costs $1,460 per year. Insurance plays a big role in car ownership, so it’s important to understand the financial implications before you commit to buying.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s vital to have sufficient coverage to handle any accidents, preventing you from facing significant out-of-pocket costs. Plus, if you’re deemed at fault, you might see your insurance premiums go up.
With over ten years of experience studying car insurance rates, I’ve observed how much these expenses can vary. Factors like your age, driving history, and location can have a substantial impact on the amount you pay for insurance.
How Much Does Rolls-Royce Ghost Car Insurance Cost?
Typically, Rolls-Royce Ghost drivers can find car insurance at an average rate of $1,460 per year. However, individual rates may vary depending on factors such as the driver’s age, location, driving history, and the specific model year of the vehicle.
Although State Farm’s rate is a good starting point, it’s essential to recognize that car insurance costs can vary significantly based on several factors. These factors include where you live, your driving record, the age of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations can raise your rates.
Moreover, residing in a city with heavy traffic might lead to higher premiums compared to rural areas with less traffic. Your choice of coverage will also affect your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more costly than basic liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of Rolls-Royce Ghost By Model Year
| Model Year | Average Premium |
| 2024 Rolls-Royce Ghost | $4,126 |
| 2022 Rolls-Royce Ghost | $5,936 |
| 2021 Rolls-Royce Ghost | $10,873 |
| 2019 Rolls-Royce Ghost | $2,030 |
| 2017 Rolls-Royce Ghost | $4,945 |
| 2016 Rolls-Royce Ghost | $4,945 |
| 2015 Rolls-Royce Ghost | $2,536 |
| 2014 Rolls-Royce Ghost | $1,827 |
| 2013 Rolls-Royce Ghost | $4,380 |
| 2012 Rolls-Royce Ghost | $2,538 |
| 2011 Rolls-Royce Ghost | $2,562 |
2024 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2024 Rolls-Royce Ghost is $4,126. However, State Farm offers the cheapest rates, averaging $1,460 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,460 |
| Farmers | $2,820 |
| Permanent General | $3,200 |
| Allstate | $3,920 |
| Home State Ins Group | $4,050 |
| Nationwide | $4,480 |
| Sentry | $4,510 |
| Metropolitan | $4,600 |
| Mercury | $6,020 |
| Unitrin | $6,200 |
2022 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2022 Rolls-Royce Ghost is $5,936. However, State Farm offers the cheapest rates, averaging $1,604 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $17,265 |
| Home State Ins Group | $4,066 |
| State Farm | $1,604 |
| Dairyland Auto | $7,178 |
| Nationwide | $1,271 |
| Metropolitan | $4,954 |
| Mercury | $4,553 |
| Direct General Insurance | $6,598 |
2021 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2021 Rolls-Royce Ghost is $10,873. However, Dairyland Auto offers the cheapest rates, averaging $10,873 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $10,873 |
2019 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2019 Rolls-Royce Ghost is $2,030. However, State Farm offers the cheapest rates, averaging $570 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,039 |
| Safe Auto | $8,611 |
| Mercury | $1,662 |
| SAFECO | $1,212 |
| State Farm | $570 |
| Nationwide | $1,063 |
| Direct General Insurance | $919 |
| Metropolitan | $1,699 |
| Home State Ins Group | $2,266 |
| Unitrin | $1,259 |
2017 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2017 Rolls-Royce Ghost is $4,945. However, Dairyland Auto offers the cheapest rates, averaging $4,945 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $4,945 |
2016 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2016 Rolls-Royce Ghost is $4,945. However, Dairyland Auto offers the cheapest rates, averaging $4,945 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $4,945 |
Find Affordable Rolls-Royce Ghost Insurance Rates
2015 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2015 Rolls-Royce Ghost is $2,536. However, Metropolitan offers the cheapest rates, averaging $522 per year.
| Insurance Provider | Average Annual Cost |
| Hanover | $8,623 |
| Farm Bureau Ins of MI | $1,446 |
| SafeAuto | $1,209 |
| Encompass | $3,082 |
| Metropolitan | $522 |
| Bristol West | $1,764 |
| Farmers | $1,582 |
| Westfield | $2,058 |
2014 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2014 Rolls-Royce Ghost is $1,827. However, Metropolitan offers the cheapest rates, averaging $522 per year.
| Insurance Provider | Average Annual Cost |
| Hanover | $5,337 |
| Allstate | $1,050 |
| Mercury | $2,101 |
| Travelers | $2,273 |
| American Family | $755 |
| Metropolitan | $726 |
| Sentry | $1,327 |
| Farmers | $1,214 |
| Nationwide | $1,659 |
2013 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2013 Rolls-Royce Ghost is $4,380. However, Nationwide offers the cheapest rates, averaging $1,918 per year.
| Insurance Provider | Average Annual Cost |
| Hanover | $7,968 |
| Metropolitan | $3,766 |
| Travelers | $2,219 |
| Nationwide | $1,918 |
| Mercury | $5,456 |
| Unitrin | $3,893 |
| Direct General Insurance | $5,437 |
2012 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2012 Rolls-Royce Ghost is $2,538. However, Nationwide offers the cheapest rates, averaging $217 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $1,200 |
| Farmers | $4,513 |
| Dairyland | $3,462 |
| Travelers | $2,939 |
| Nationwide | $217 |
| Unitrin | $1,386 |
| Encompass | $777 |
| Safe Auto | $3,594 |
| Sentry | $3,901 |
| Metropolitan | $3,387 |
2011 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2011 Rolls-Royce Ghost is $2,562. However, Virginia Farm Bureau offers the cheapest rates, averaging $627 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $4,790 |
| Mercury | $1,351 |
| Metropolitan | $1,011 |
| Virginia Farm Bureau | $627 |
| Nationwide | $3,863 |
| Farmers | $1,956 |
| Allied | $4,334 |
Find Affordable Rolls-Royce Ghost Insurance Rates
Cost of Rolls-Royce Ghost Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers typically pay the highest premiums because statistics show they are involved in more accidents than other age groups. As you get older and gain more experience on the road, your premiums generally decrease as you become a lower insurance risk.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $23,962 | $35,189 | $41,176 |
| 18 | $22,315 | $32,777 | $38,359 |
| 19 | $19,752 | $28,963 | $33,863 |
| 20 | $17,216 | $25,249 | $29,533 |
| 21 | $14,435 | $21,173 | $24,798 |
| 22 | $14,038 | $20,629 | $24,111 |
| 23 | $12,285 | $18,071 | $21,143 |
| 24 | $11,677 | $17,165 | $20,098 |
| 25 | $10,079 | $14,792 | $17,302 |
| 30 | $7,835 | $11,502 | $13,479 |
| 35 | $7,342 | $10,829 | $12,593 |
| 40 | $7,092 | $10,383 | $12,182 |
| 45 | $6,878 | $10,113 | $11,819 |
| 55 | $6,297 | $9,314 | $10,854 |
| 65 | $6,562 | $9,662 | $11,325 |
| 75 | $8,280 | $12,186 | $14,276 |
Rolls-Royce Ghost Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers tend to pay higher premiums due to the state’s requirement for higher coverage levels. Additionally, local climate conditions matter—states prone to extreme weather like hurricanes, storms, and flooding often see higher insurance rates.
Insurance companies also consider area-specific statistics on crime and auto accidents, including thefts, crashes, and vehicle fatalities. All of these factors are taken into account when determining your exact Rolls-Royce Ghost insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $7,514 | $10,912 | $13,858 |
| Alaska | $6,189 | $8,592 | $8,353 |
| Arizona | $7,009 | $10,126 | $14,939 |
| Arkansas | $7,690 | $12,063 | $13,280 |
| California | $8,557 | $15,086 | $8,564 |
| Colorado | $8,014 | $11,195 | $14,209 |
| Connecticut | $10,203 | $15,816 | $20,057 |
| Delaware | $8,461 | $11,254 | $14,444 |
| Florida | $10,044 | $13,916 | $18,129 |
| Georgia | $3,252 | $4,439 | $3,283 |
| Hawaii | $5,683 | $7,531 | $9,127 |
| Idaho | $5,958 | $8,970 | $10,276 |
| Illinois | $6,137 | $9,319 | $10,499 |
| Indiana | $4,820 | $6,675 | $7,791 |
| Iowa | $6,452 | $9,376 | $10,956 |
| Kansas | $9,324 | $13,675 | $16,132 |
| Kentucky | $11,965 | $18,122 | $19,608 |
| Louisiana | $4,512 | $6,237 | $9,220 |
| Maine | $7,328 | $10,651 | $11,836 |
| Maryland | $5,906 | $10,246 | $5,821 |
| Massachusetts | $14,162 | $21,582 | $34,036 |
| Michigan | $5,815 | $7,770 | $10,965 |
| Minnesota | $7,055 | $10,083 | $10,100 |
| Mississippi | $6,634 | $9,462 | $12,450 |
| Missouri | $6,748 | $9,425 | $10,981 |
| Montana | $5,740 | $8,449 | $9,172 |
| Nebraska | $9,406 | $13,932 | $14,721 |
| Nevada | $6,519 | $10,350 | $13,080 |
| New Hampshire | $7,206 | $11,296 | $14,791 |
| New Jersey | $7,342 | $10,924 | $11,352 |
| New Mexico | $6,834 | $8,571 | $14,309 |
| New York | $4,223 | $7,265 | $5,166 |
| North Carolina | $5,784 | $8,793 | $10,357 |
| North Dakota | $5,164 | $7,948 | $8,158 |
| Ohio | $8,231 | $11,743 | $13,268 |
| Oklahoma | $7,503 | $10,072 | $12,028 |
| Oregon | $6,330 | $9,290 | $10,823 |
| Pennsylvania | $10,523 | $15,493 | $17,407 |
| Rhode Island | $7,172 | $9,940 | $13,645 |
| South Carolina | $6,396 | $9,256 | $10,690 |
| South Dakota | $7,523 | $11,108 | $14,823 |
| Tennessee | $7,640 | $10,942 | $13,650 |
| Texas | $6,483 | $9,058 | $12,478 |
| Utah | $4,945 | $7,627 | $8,110 |
| Vermont | $4,688 | $7,184 | $7,021 |
| Virginia | $6,189 | $8,425 | $10,059 |
| Washington | $6,261 | $8,943 | $11,214 |
| West Virginia | $6,233 | $9,714 | $11,082 |
| Wisconsin | $5,835 | $8,171 | $8,671 |
| Wyoming | $8,171 | $12,261 | $12,367 |
Find Affordable Rolls-Royce Ghost Insurance Rates
Common Rolls-Royce Ghost Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers its own discounts, here are some common ones you can check your eligibility for:
- Multi-policy: Bundling your home and auto insurance policies with one provider can often result in a lower rate.
- Pay annually: Paying your premium all at once, rather than monthly, can qualify you for a discount.
- Defensive driving: Completing defensive driving courses from a certified institution can make you eligible for reduced rates.
Other discounts may be available depending on your provider. It’s a good idea to speak with your insurance agent, as they can help you identify additional discounts that you qualify for.
Compare Rolls-Royce Ghost To Other Rolls-Royce Models
Looking for other Rolls-Royce model insurance costs?
Our Methodology
Insuranceopedia collected thousands of quotes from top auto insurance providers to calculate average car insurance costs. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, these figures are based on a sample profile, so your actual insurance rates may vary depending on factors such as your age, location, driving history, and specific coverage needs.
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FAQs
Do You Need Insurance Before You Can Purchase A Rolls-Royce Ghost?
Before driving your Rolls-Royce Ghost off the dealership lot, you must provide proof of insurance. It’s advisable to purchase a policy in advance and inform your insurance provider that you are about to acquire the vehicle, rather than relying on dealership-provided insurance. This approach often ensures you have appropriate coverage tailored to your needs.
How Can You Get The Cheapest Insurance For Your Rolls-Royce Ghost?
To find the most affordable insurance rates for your Rolls-Royce Ghost, it’s essential to shop around and compare quotes from various auto insurance companies. Insuranceopedia offers a convenient tool to compare quotes from multiple providers, helping you find the best rate that suits your needs and budget.
