Rolls-Royce Cullinan Car Insurance Cost 2025
Getting insurance for a Rolls-Royce Cullinan costs $9,000 per year, on average. However, the actual cost can vary depending on factors such as your age, the year of the car model, location, and other personal details. To get a more accurate estimate tailored to your specific situation, you can use our quote tables below.
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Insuring a 2025 Rolls-Royce Cullinan is costly, reflecting the SUV’s ultra-luxury status, powerful performance, and high repair expenses.
On average, annual insurance premiums range from $9,000 to over $11,000, depending on factors like your location, age, driving record, and selected coverage levels.
Some insurers offer rates as low as $3,800 per year, but most Cullinan owners can expect to pay closer to $800–$1,000 per month for full coverage. Because the Cullinan is one of the most expensive SUVs on the market, it often requires specialty or high-net-worth insurance policies. Comparing quotes from multiple insurers is essential to find savings.
How Much Does Rolls-Royce Cullinan Car Insurance Cost?
Typically, Rolls-Royce Cullinan drivers can find car insurance at an average rate of $9,000 per year. However, the cost may vary depending on factors like age, location, driving history, and the specific model year of the vehicle.
While Mercury’s rate is a helpful reference, it’s important to realize that car insurance costs can vary widely due to several factors. These factors include your location, driving history, the age of your car, and the coverage options you choose. A clean driving record usually results in lower premiums, whereas a history of accidents or traffic violations can increase your rates.
Additionally, living in a busy urban area generally leads to higher insurance costs compared to quieter rural areas. The type of coverage you select also affects your premium; comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.
At Insuranceopedia, we can help you shop around and compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Rolls-Royce Cullinan By Model Year
| Model Year | Average Premium |
| 2025 Rolls-Royce Cullinan | $6,270 |
| 2024 Rolls-Royce Cullinan | $9,068 |
| 2023 Rolls-Royce Cullinan | $8,767 |
| 2022 Rolls-Royce Cullinan | $92,350 |
| 2019 Rolls-Royce Cullinan | $3,400 |
2025 Rolls-Royce Cullinan Insurance Rates
The average annual insurance cost for a 2025 Rolls-Royce Cullinan is $6,270. However, Progressive offers the cheapest rates, averaging $5,460 per year.
| Insurance Provider | Average Annual Cost |
| Progressive | $5,460 |
| USAA | $5,640 |
| State Farm | $5,820 |
| Farmers | $6,000 |
| Geico | $6,180 |
| Allstate | $6,360 |
| Nationwide | $6,540 |
| Liberty Mutual | $6,720 |
| American Family |
$6,900 |
| Travelers |
$7,080 |
2024 Rolls-Royce Cullinan Insurance Rates
The average annual insurance cost for a 2024 Rolls-Royce Cullinan is $9,068. However, Metropolitan offers the cheapest rates, averaging $3,790 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $25,120 |
| Direct General Insurance | $4,670 |
| Mercury | $2,690 |
| Metropolitan | $3,790 |
2023 Rolls-Royce Cullinan Insurance Rates
The average annual insurance cost for a 2023 Rolls-Royce Cullinan is $8,767. However, Mercury offers the cheapest rates, averaging $2,530 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $24,431 |
| Direct General Insurance | $4,450 |
| Mercury | $2,530 |
| Metropolitan | $3,655 |
2022 Rolls-Royce Cullinan Insurance Rates
The average annual insurance cost for a 2022 Rolls-Royce Cullinan is $92,350. However, State Farm offers the cheapest rates, averaging $606 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,544 |
| Hanover | $889,253 |
| Home State Ins Group | $2,931 |
| Direct General Insurance | $2,799 |
| State Farm | $606 |
| Metropolitan | $1,755 |
| Unitrin | $1,531 |
| Safe Auto | $8,993 |
| Travelers | $11,304 |
| Nationwide | $2,785 |
2019 Rolls-Royce Cullinan Insurance Rates
The average annual insurance cost for a 2019 Rolls-Royce Cullinan is $3,400. However, Travelers offers the cheapest rates, averaging $953 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $6,083 |
| Farmers | $2,068 |
| Safe Auto | $4,974 |
| Metropolitan | $5,109 |
| Hastings Mutual Insurance Co | $1,014 |
| Travelers | $953 |
| Hanover | $3,427 |
| Auto Club Group | $2,468 |
| Mercury | $4,504 |
Find Affordable Rolls-Royce Cullinan Insurance Rates
Are Rolls-Royce Cullinans Expensive To Insure?
Insuring a Rolls-Royce Cullinan is notably more expensive than average vehicles due to its luxury status and high value. Premiums can vary widely based on factors like location, driving history, and coverage levels. For instance, some insurers offer rates starting around $2,500 annually, while others may charge upwards of $5,000 per year. These figures underscore the importance of comparing quotes from multiple providers to find the most competitive rates tailored to individual circumstances. Additionally, considering factors such as bundling policies or maintaining a clean driving record can help mitigate costs.
Cost of Rolls-Royce Accord Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers typically pay the highest premiums, as statistically, they are involved in more car accidents than any other age group. As you get older, your premiums generally decrease because you are considered a lower risk by insurers, thanks to more experience and fewer accidents.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $32,664 | $47,992 | $56,135 |
| 18 | $30,458 | $44,717 | $52,309 |
| 19 | $26,904 | $39,476 | $46,217 |
| 20 | $23,472 | $34,461 | $40,329 |
| 21 | $19,672 | $28,911 | $33,798 |
| 22 | $19,179 | $28,183 | $32,933 |
| 23 | $16,768 | $24,620 | $28,796 |
| 24 | $15,925 | $23,422 | $27,372 |
| 25 | $13,766 | $20,176 | $23,623 |
| 30 | $10,677 | $15,702 | $18,415 |
| 35 | $10,046 | $14,729 | $17,216 |
| 40 | $9,626 | $14,190 | $16,606 |
| 45 | $9,407 | $13,815 | $16,119 |
| 55 | $8,599 | $12,611 | $14,779 |
| 65 | $9,002 | $13,199 | $15,437 |
| 75 | $11,315 | $16,652 | $19,440 |
Rolls-Royce Cullinan 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, so premiums can vary greatly depending on the state. For example, drivers in Michigan tend to pay higher premiums because the state mandates higher levels of coverage. Additionally, each location has a unique climate, with some states experiencing extreme weather such as hurricanes, storms, and flooding, which can increase the risk of damage to your vehicle.
Moreover, each area has its own statistics on crime and auto accidents, including car thefts, crashes, and vehicle fatality rates. Insurance companies take all of these factors into account when calculating your specific Rolls-Royce Cullinan insurance rate, as areas with higher crime or accident rates are considered higher risks to insure.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $10,250 | $14,865 | $18,902 |
| Alaska | $8,441 | $11,716 | $11,375 |
| Arizona | $9,565 | $13,821 | $20,351 |
| Arkansas | $10,490 | $16,476 | $18,124 |
| California | $11,667 | $20,624 | $11,645 |
| Colorado | $10,920 | $15,253 | $19,348 |
| Connecticut | $13,916 | $21,575 | $27,397 |
| Delaware | $11,500 | $15,371 | $19,714 |
| Florida | $13,680 | $18,943 | $24,717 |
| Hawaii | $4,478 | $6,056 | $4,458 |
| Idaho | $7,745 | $10,293 | $12,496 |
| Illinois | $8,113 | $12,249 | $14,041 |
| Indiana | $8,320 | $12,723 | $14,315 |
| Iowa | $6,612 | $9,056 | $10,641 |
| Kansas | $8,792 | $12,799 | $14,963 |
| Kentucky | $12,694 | $18,643 | $22,038 |
| Louisiana | $16,310 | $24,690 | $26,712 |
| Maine | $6,188 | $8,546 | $12,569 |
| Maryland | $9,973 | $14,540 | $16,184 |
| Massachusetts | $7,992 | $13,943 | $8,012 |
| Michigan | $19,343 | $29,417 | $46,411 |
| Minnesota | $7,976 | $10,610 | $14,943 |
| Mississippi | $9,609 | $13,687 | $13,781 |
| Missouri | $9,064 | $12,935 | $16,966 |
| Montana | $9,211 | $12,795 | $14,974 |
| Nebraska | $7,780 | $11,496 | $12,477 |
| Nevada | $12,809 | $19,054 | $20,090 |
| New Hampshire | $8,932 | $14,117 | $17,840 |
| New Jersey | $9,828 | $15,411 | $20,159 |
| New Mexico | $10,000 | $14,944 | $15,487 |
| New York | $9,284 | $11,725 | $19,519 |
| North Carolina | $5,776 | $9,928 | $7,077 |
| North Dakota | $7,922 | $11,986 | $14,195 |
| Ohio | $7,063 | $10,818 | $11,132 |
| Oklahoma | $11,238 | $16,076 | $18,124 |
| Oregon | $10,257 | $13,705 | $16,406 |
| Pennsylvania | $8,602 | $12,650 | $14,813 |
| Rhode Island | $14,370 | $21,077 | $23,710 |
| South Carolina | $9,762 | $13,490 | $18,628 |
| South Dakota | $8,735 | $12,603 | $14,527 |
| Tennessee | $10,302 | $15,166 | $20,202 |
| Texas | $10,384 | $14,945 | $18,614 |
| Utah | $8,831 | $12,374 | $17,044 |
| Vermont | $6,768 | $10,447 | $11,087 |
| Virginia | $6,365 | $9,815 | $9,627 |
| Washington | $8,479 | $11,446 | $13,709 |
| West Virginia | $8,528 | $12,235 | $15,285 |
| Wisconsin | $8,485 | $13,259 | $15,108 |
| Wyoming | $7,939 | $11,082 | $11,827 |
| Georgia | $11,177 | $16,753 | $16,827 |
Find Affordable Rolls-Royce Cullinan Insurance Rates
Cheapest Car Insurance Companies For A Rolls-Royce Cullinan
Metropolitan offers one of the most competitive rates for the 2025 Rolls-Royce Cullinan at approximately $316 per month, making it a strong option for luxury vehicle owners seeking affordability. Mercury comes in around $225 per month and is often chosen by drivers with clean records looking for reliable, low-cost coverage. Direct General, while slightly higher at $389 per month, is known for insuring high-value vehicles like the Cullinan. Dairyland Auto’s premium is significantly higher at $2,093 per month, which may reflect coverage for higher-risk drivers. State Farm appears to offer a surprisingly low rate at $51 per month, likely based on specific qualifying factors or regional pricing.
| Insurance Company | Average Monthly |
|---|---|
| Metropolitan | $316 |
| Mercury | $225 |
| Direct General | $389 |
| Dairyland Auto | $2,093 |
| State Farm | $51 |
Common Rolls-Royce Cullinan Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers its own discounts, there are some common ones you can check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you can often get a discounted rate.
- Pay annually: This is for people who pay their premium all at once, rather than spreading the payments out every month.
- Defensive driving: By taking defensive driving courses from a certified institution, you can become eligible for discounted prices.
There may be other discounts available to you. Be sure to speak to your insurance agent, as they can help you find discounts that you qualify for.
Compare Rolls-Royce Cullinan To Other Rolls-Royce Models
Looking for other Rolls-Royce model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary from your own individual results, as insurance costs are affected by factors such as age, location, driving history, and more.
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FAQs
Do You Need Insurance Before You Can Purchase A Rolls-Royce Cullinan?
Yes, you will need to provide proof of insurance before driving your Rolls-Royce Cullinan off the dealership lot. The best approach is to purchase a policy in advance and then inform your insurance company about your new vehicle. This way, you’ll ensure you’re covered as soon as you drive the car, rather than relying on dealership-provided insurance.
How Can You Get The Cheapest Insurance For Your Rolls-Royce Cullinan?
The best way to find the cheapest rates for your Rolls-Royce Cullinan is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right here on our website, making it easier to find the most affordable option for your needs.
