Rolls-Royce Car Insurance: How Much Is Rolls-Royce Insurance? 2024
On average, it costs $955 per month to insure a Rolls-Royce, which adds up to about $11,468 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Rolls-Royce, established in 1904, is a British luxury car manufacturer renowned for crafting ultra-luxurious and bespoke automobiles that symbolize prestige and refinement. The cost of insuring a Rolls-Royce depends on several factors. Your age, driving history, and where you live are key in deciding your premium car insurance Insurance companies use this information to evaluate the risk of insuring your Rolls-Royce and set your premium accordingly. The average cost to insure a Rolls-Royce is $11,468 per year.
How Much Does Rolls-Royce Insurance Cost?
The average monthly cost to insure a Rolls-Royce is $955, adding up to approximately $11,468 per year. However, your actual insurance expenses will vary based on factors like your age, location, driving record, and specific car model.
Average Rolls-Royce Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Rolls-Royce, across all models, is $11,468 per year.
The Rolls-Royce Ghost is the cheapest model to insure, at $7,065 per year. On the other hand, the Rolls-Royce Phantom is the most expensive, at an average of $15,124 per year.
Use the table below to compare insurance rates for Rolls-Royce models.
| Rolls-Royce Model | Average Yearly Insurance Cost |
| Rolls-Royce Ghost | $7,065 |
| Rolls-Royce Wraith | $12,217 |
| Rolls-Royce Phantom | $15,124 |
Keep in mind that these numbers are averages, and your actual cost might vary based on where you live, your age, driving record, and the type of coverage you select.
Are Rolls-Royces Expensive To Insure?
The average monthly cost of car insurance in the U.S. is $156. In contrast, insuring a Rolls-Royce across all models costs significantly more at $995 per month. Since insurance rates depend more on the specific model than the brand, it’s essential to review the costs for your exact vehicle.
Rolls-Royce Ghost Insurance Cost
The average cost of insuring a Rolls-Royce Ghost across all model years, is $5,604 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Rolls-Royce Ghost | $4,126 |
| 2022 Rolls-Royce Ghost | $5,936 |
| 2022 Rolls-Royce Ghost | $10,873 |
| 2019 Rolls-Royce Ghost | $2,140 |
| 2017 Rolls-Royce Ghost | $4,945 |
Rolls-Royce Wraith Insurance Cost
The average cost of insuring a Rolls-Royce Wraith across all model years, is $4,132 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Rolls-Royce Wraith | $2,260 |
| 2022 Rolls-Royce Wraith | $4,337 |
| 2021 Rolls-Royce Wraith | $7,953 |
| 2018 Rolls-Royce Wraith | $3,648 |
| 2015 Rolls-Royce Wraith | $2,461 |
Rolls-Royce Phantom Insurance Cost
The average cost of insuring a Rolls-Royce Phantom across all model years, is $2,436 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Rolls-Royce Phantom | $1,783 |
| 2022 Rolls-Royce Phantom | $1,731 |
| 2021 Rolls-Royce Phantom | $2,069 |
| 2018 Rolls-Royce Phantom | $2,269 |
| 2014 Rolls-Royce Phantom | $4,327 |
Rolls-Royce Car Insurance Cost – By Driver Age
The rates you pay to insure a Rolls-Royce will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $32,673 |
| 18 | $30,463 |
| 19 | $26,906 |
| 20 | $23,459 |
| 21 | $19,678 |
| 22 | $19,173 |
| 23 | $16,766 |
| 24 | $15,925 |
| 25 | $13,759 |
| 30 | $10,706 |
| 35 | $10,027 |
| 40 | $9,639 |
| 45 | $9,396 |
| 55 | $8,603 |
| 65 | $8,989 |
| 75 | $11,332 |
Average Rolls-Royce Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $335 |
| State Farm | $360 |
| Farmer | $370 |
| Progressive | $375 |
| Allstate | $425 |
Average Rolls-Royce Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $10,231 |
| Alaska | $8,466 |
| Arizona | $9,553 |
| Arkansas | $10,475 |
| California | $11,676 |
| Colorado | $10,888 |
| Connecticut | $13,908 |
| Delaware | $11,511 |
| Florida | $13,725 |
| Hawaii | $4,457 |
| Idaho | $7,755 |
| Illinois | $8,133 |
| Indiana | $8,350 |
| Iowa | $6,603 |
| Kansas | $8,781 |
| Kentucky | $12,702 |
| Louisiana | $16,322 |
| Maine | $6,179 |
| Maryland | $9,978 |
| Massachusetts | $8,015 |
| Michigan | $19,315 |
| Minnesota | $7,963 |
| Mississippi | $9,610 |
| Missouri | $9,056 |
| Montana | $9,193 |
| Nebraska | $7,769 |
| Nevada | $12,818 |
| New Hampshire | $8,917 |
| New Jersey | $9,822 |
| New Mexico | $10,045 |
| New York | $9,306 |
| North Carolina | $5,768 |
| North Dakota | $7,895 |
| Ohio | $7,025 |
| Oklahoma | $11,235 |
| Oregon | $10,225 |
| Pennsylvania | $8,617 |
| Rhode Island | $14,367 |
| South Carolina | $9,770 |
| South Dakota | $8,749 |
| Tennessee | $10,292 |
| Texas | $10,380 |
| Utah | $8,830 |
| Vermont | $6,805 |
| Virginia | $6,392 |
| Washington | $8,460 |
| West Virginia | $8,531 |
| Wisconsin | $8,508 |
| Wyoming | $7,926 |
| Georgia | $11,185 |
How To Save Money On Rolls-Royce Car Insurance?
Owning a Rolls-Royce involves several costs, with car insurance being one of the largest. However, there are ways to reduce your insurance expenses. Here’s how:
Maintain a Clean Driving Record
Your driving history is important for insurance companies when setting your premium. If you avoid accidents and traffic tickets, you demonstrate that you’re a low-risk driver, which can help reduce your insurance costs.
Bundle Your Policies
Many insurance companies provide discounts if you bundle multiple policies, such as home and auto insurance. This makes it easier to manage your insurance and can also help you save money on premiums.
Raise Your Deductible
Raising your deductible—what you pay before your insurance starts covering costs—can reduce your monthly premium. Just make sure you can handle the higher deductible if you end up needing to file a claim.
Install Safety Features
Rolls-Royce cars already have plenty of safety features, but adding extra security measures, like anti-theft devices, can help lower your insurance costs by reducing the chance of theft and damage.
Take Advantage of Discounts
Insurance companies often provide discounts for being a good student, having a clean driving record, or taking a defensive driving course. Check with your insurer to see which discounts you might be eligible for.
Shop Around
Insurance premiums can differ a lot between various providers. It’s important to compare quotes and select the one that gives you the best value for what you need.
Consider Usage-Based Insurance
If you don’t drive your Rolls-Royce very often, consider usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your Rolls-Royce isn’t your primary vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Rolls-Royce Model To Insure?
At $15,124 per year, the Rolls-Royce Phantom is the most expensive Buick model for car insurance.
What Is The Cheapest Rolls-Royce Model To Insure?
The Rolls-Royce Ghost is the cheapest model for car insurance, at $7,065 per year.
