Rolls-Royce Ghost Car Insurance Cost 2025
Getting insurance for a Rolls-Royce Ghost costs $5,600 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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Insuring a 2025 Rolls-Royce Ghost is a significant financial commitment, reflecting the vehicle’s luxury status and associated repair costs.
On average, annual insurance premiums for this model range between $5,600 and $7,100, depending on various factors such as the driver’s age, location, driving history, and chosen coverage levels .
These figures are notably higher than the national average for luxury vehicles, underscoring the importance of obtaining multiple quotes to find the most competitive rates. Prospective owners should also consider additional expenses like maintenance and fuel, which contribute to the overall cost of ownership.
How Much Does Rolls-Royce Ghost Car Insurance Cost?
Typically, Rolls-Royce Ghost drivers can find car insurance at an average rate of $5,600 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 |
| 2025 Rolls-Royce Ghost | $3,957 |
| 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 |
2025 Rolls-Royce Ghost Insurance Rates
The average annual insurance cost for a 2025 Rolls-Royce Ghost is $3,957. However, State Farm offers the cheapest rates, averaging $1,533 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,533 |
| Nationwide | $1,997 |
| Travelers | $2,315 |
| Farmers | $2,961 |
| Allstate | $4,116 |
| Home State Insurance | $4,253 |
| Sentry | $4,735 |
| Metropolitan | $4,830 |
| Mercury | $6,321 |
| Unitrin | $6,510 |
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
Are Rolls-Royce Ghosts Expensive To Insure?
Yes, insuring a Rolls-Royce Ghost is generally expensive. The average annual premium for this luxury sedan is approximately $7,073, significantly higher than the national average for luxury vehicles by about $4,178 . Factors contributing to these elevated costs include the vehicle’s high market value, expensive repair and replacement parts, and the need for specialized servicing. Additionally, insurance providers consider the owner’s driving history, location, and usage patterns when determining premiums. Given these considerations, it’s advisable for prospective owners to obtain multiple insurance quotes to find the most competitive rates tailored to their specific circumstances.
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
Cheapest Car Insurance Companies For A Rolls-Royce Ghost
Insuring a 2025 Rolls-Royce Ghost is generally costly, but some insurance companies offer more competitive rates than others. Based on recent data, the cheapest providers tend to include Erie, Chubb, Allstate, Nationwide, and Progressive. These companies typically provide monthly premiums ranging from $285 to $355, depending on individual factors such as location, driving history, and coverage levels. While rates may still be higher than average due to the Ghost’s luxury status and expensive parts, shopping around and comparing quotes from these insurers can help owners find more affordable options tailored to their needs.
| Insurance Company | Average Monthly |
|---|---|
| Erie | $285 |
| Chubb | $295 |
| Allstate | $310 |
| Nationwide | $330 |
| Progressive | $355 |
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.
