Rolls-Royce Wraith Car Insurance Cost 2025
Typically, Rolls-Royce Wraith drivers can expect to pay around $12,000 per year for car insurance. However, the actual cost can vary depending on factors such as your age, driving history, the specific year of your vehicle, and other personal considerations. To get a more accurate estimate for your specific situation, you can use the quote tables below to compare rates from different providers.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Rolls-Royce Wraith doesn’t come cheap—unsurprising given its status as a high-performance luxury coupe.
On average, annual insurance premiums for a 2025 Rolls-Royce Wraith hover around $12,000, though costs can easily vary depending on factors like location, driving history, and selected coverage.
The car’s high market value, powerful engine, and expensive repair costs all contribute to the elevated rates. Insurance companies also consider the increased risk of theft and the specialized parts required for repairs. For Wraith owners, comparing quotes from multiple insurers is essential to find the best value while still getting comprehensive protection for such a premium vehicle.
How Much Does Rolls-Royce Wraith Car Insurance Cost?
Yes, typically, Rolls-Royce Wraith drivers can find car insurance at an average rate of $12,000 per year. However, keep in mind that the exact rate can vary based on several factors, such as your age, driving history, location, and the specific model year of the vehicle. It’s always a good idea to compare quotes from different insurance providers to find the best rate for your individual situation.
While State Farm’s rate serves as a good reference point, it’s crucial to recognize that car insurance expenses can vary significantly due to several factors. These factors encompass your location, driving record, the age of your car, and the specific levels of coverage you opt for. Having a clean driving history can result in lower premiums, while a track record of accidents or traffic violations can raise your costs.
Moreover, residing in an urban area with heavy traffic can lead to higher rates compared to rural regions with less traffic congestion. The type of coverage you select will also affect your premium – comprehensive insurance, which includes both comprehensive and collision coverage, will be pricier than minimum liability coverage.
Insuranceopedia is available to assist you in exploring and comparing quotes from different insurance providers to ensure you secure the best possible deal.
Average Insurance Cost Of Rolls-Royce Wraith By Model Year
| Model Year | Average Premium |
| 2025 Rolls-Royce Wraith | $12,340 |
| 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 | $2,462 |
| 2014 Rolls-Royce Wraith | $1,197 |
2025 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2025 Rolls-Royce Wraith is $12,340. However, Nationwide offers the cheapest rates, averaging $11,500 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $11,800 |
| Progressive | $12,400 |
| State Farm | $12,000 |
| Allstate | $13,000 |
| Nationwide | $11,500 |
| Farmers | $12,600 |
| Liberty Mutual | $13,200 |
| USAA | $11,900 |
| Travelers | $12,300 |
| American Family | $12,700 |
2024 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2024 Rolls-Royce Wraith is $2,260. However, State Farm offers the cheapest rates, averaging $920 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $920 |
| Hastings Mutual Insurance Co | $1,280 |
| Mercury | $1,470 |
| Metropolitan | $1,550 |
| Permanent General | $2,100 |
| Farmers | $2,750 |
| Home State Ins Group | $2,950 |
| Travelers | $3,000 |
| Auto Club Group | $3,180 |
| Hanover | $3,400 |
2022 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2022 Rolls-Royce Wraith is $4,337. However, State Farm offers the cheapest rates, averaging $849 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $2,226 |
| Nationwide | $1,456 |
| Safe Auto | $14,308 |
| State Farm | $849 |
| Home State Ins Group | $2,845 |
2021 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2021 Rolls-Royce Wraith is $7,953. However, Nationwide offers the cheapest rates, averaging $7,158 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $7,158 |
| Hanover | $9,230 |
| Travelers | $7,472 |
2018 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2018 Rolls-Royce Wraith is $3,648. However, Metropolitan offers the cheapest rates, averaging $1,682 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,682 |
| Safe Auto | $5,614 |
2015 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2015 Rolls-Royce Wraith is $2,462. However, American Family offers the cheapest rates, averaging $924 per year.
| Insurance Provider | Average Annual Cost |
| Farmers | $1,309 |
| Westfield | $1,238 |
| Penn National | $1,991 |
| American Family | $924 |
| Metropolitan | $1,620 |
| Safe Auto | $7,683 |
2014 Rolls-Royce Wraith Insurance Rates
The average annual insurance cost for a 2014 Rolls-Royce Wraith is $1,197. However, Travelers offers the cheapest rates, averaging $857 per year.
| Insurance Provider | Average Annual Cost |
| Farmers | $1,560 |
| Metropolitan | $1,329 |
| Travelers | $857 |
| Tennessee Farmers | $1,041 |
Find Affordable Rolls-Royce Wraith Insurance Rates
Are Rolls-Royce Wraiths Expensive To Insure?
Yes, Rolls-Royce Wraiths are expensive to insure. As a high-end luxury vehicle with a powerful engine, the Wraith comes with costly repair parts, advanced features, and a high replacement value—all of which drive up insurance premiums. Insurance providers also consider the car’s appeal to thieves and its classification as a performance vehicle, which further increases risk. On average, annual insurance for a 2025 Rolls-Royce Wraith can exceed $12,000. Rates vary based on your location, driving record, and chosen coverage, but overall, expect to pay significantly more than for a standard vehicle.
Cost of Rolls-Royce Wraith Car Insurance By Age
Age is a major factor in determining insurance rates for any vehicle. Teenagers generally pay the highest premiums because statistics show they are involved in more car accidents than any other age group. As you grow older and gain more driving experience, your premiums tend to decrease since you are considered a lower insurance risk. However, premiums may start to rise again for drivers over a certain age, typically around 65, due to factors like slower reaction times and health-related issues.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $41,448 | $60,760 | $71,111 |
| 18 | $38,615 | $56,628 | $66,287 |
| 19 | $34,102 | $50,098 | $58,576 |
| 20 | $29,730 | $43,681 | $51,089 |
| 21 | $24,938 | $36,629 | $42,866 |
| 22 | $24,272 | $35,662 | $41,733 |
| 23 | $21,280 | $31,181 | $36,486 |
| 24 | $20,195 | $29,640 | $34,690 |
| 25 | $17,410 | $25,570 | $29,914 |
| 30 | $13,544 | $19,937 | $23,298 |
| 35 | $12,702 | $18,618 | $21,857 |
| 40 | $12,215 | $17,922 | $21,006 |
| 45 | $11,905 | $17,484 | $20,433 |
| 55 | $10,879 | $15,999 | $18,741 |
| 65 | $11,372 | $16,681 | $19,562 |
| 75 | $14,375 | $21,095 | $24,666 |
Rolls-Royce Wraith Car Insurance Rates By State
Your location plays a crucial role in determining your car insurance rates. Each state regulates its own auto insurance requirements, which means premiums can vary significantly depending on where you live. For instance, Michigan drivers often face higher premiums due to the state’s requirement for higher levels of coverage. Additionally, local climate conditions can impact rates—areas prone to extreme weather events like hurricanes, storms, or flooding may see higher insurance costs.
Insurance companies also evaluate regional statistics related to crime and accidents, including rates of car theft, collisions, and fatalities. These factors, combined with local regulations and risk assessments, contribute to the calculation of your Rolls-Royce Wraith insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $12,944 | $18,815 | $23,923 |
| Alaska | $10,715 | $14,821 | $14,441 |
| Arizona | $12,104 | $17,506 | $25,796 |
| Arkansas | $13,259 | $20,849 | $22,998 |
| California | $14,799 | $26,175 | $14,768 |
| Colorado | $13,765 | $19,297 | $24,545 |
| Connecticut | $17,633 | $27,301 | $34,720 |
| Delaware | $14,610 | $19,428 | $24,940 |
| Florida | $17,368 | $24,012 | $31,311 |
| Georgia | $5,647 | $7,698 | $5,662 |
| Hawaii | $9,816 | $13,031 | $15,856 |
| Idaho | $10,310 | $15,567 | $17,753 |
| Illinois | $10,573 | $16,131 | $18,133 |
| Indiana | $8,370 | $11,497 | $13,507 |
| Iowa | $11,147 | $16,205 | $18,953 |
| Kansas | $16,081 | $23,650 | $27,884 |
| Kentucky | $20,678 | $31,251 | $33,889 |
| Louisiana | $7,850 | $10,803 | $15,978 |
| Maine | $12,668 | $18,449 | $20,427 |
| Maryland | $10,160 | $17,719 | $10,177 |
| Massachusetts | $24,462 | $37,302 | $58,833 |
| Michigan | $10,076 | $13,481 | $18,911 |
| Minnesota | $12,125 | $17,371 | $17,472 |
| Mississippi | $11,466 | $16,349 | $21,505 |
| Missouri | $11,634 | $16,263 | $18,909 |
| Montana | $9,850 | $14,565 | $15,800 |
| Nebraska | $16,255 | $24,111 | $25,444 |
| Nevada | $11,313 | $17,873 | $22,570 |
| New Hampshire | $12,490 | $19,525 | $25,561 |
| New Jersey | $12,730 | $18,902 | $19,651 |
| New Mexico | $11,746 | $14,807 | $24,745 |
| New York | $7,300 | $12,534 | $8,921 |
| North Carolina | $9,984 | $15,195 | $17,931 |
| North Dakota | $8,938 | $13,745 | $14,089 |
| Ohio | $14,220 | $20,377 | $22,932 |
| Oklahoma | $12,936 | $17,359 | $20,779 |
| Oregon | $10,916 | $16,031 | $18,757 |
| Pennsylvania | $18,176 | $26,714 | $30,073 |
| Rhode Island | $12,367 | $17,151 | $23,680 |
| South Carolina | $11,080 | $15,977 | $18,479 |
| South Dakota | $13,069 | $19,206 | $25,599 |
| Tennessee | $13,159 | $18,948 | $23,636 |
| Texas | $11,161 | $15,656 | $21,538 |
| Utah | $8,569 | $13,258 | $14,021 |
| Vermont | $8,081 | $12,468 | $12,208 |
| Virginia | $10,743 | $14,583 | $17,394 |
| Washington | $10,830 | $15,485 | $19,351 |
| West Virginia | $10,750 | $16,809 | $19,192 |
| Wisconsin | $10,056 | $14,043 | $14,988 |
| Wyoming | $14,172 | $21,195 | $21,342 |
Compare Rolls-Royce Wraith To Other Rolls-Royce Models
Looking for other Rolls-Royce model insurance costs?
Find Affordable Rolls-Royce Wraith Insurance Rates
Cheapest Car Insurance Companies For A Rolls-Royce Wraith
The top five cheapest insurance providers for a 2025 Rolls-Royce Wraith include The General, State Farm, Geico, Progressive, and Allstate. The General offers the lowest estimated annual premium at around $730, which breaks down to about $61 per month. It’s often favored by drivers with unique risk profiles and provides straightforward coverage at a low cost. State Farm follows closely with an estimated annual rate of $755, supported by a strong reputation for customer service and personalized agent support. Geico is next, offering affordable premiums of approximately $780 annually, known for its user-friendly online tools and wide range of discounts. Progressive provides slightly higher rates at $800 per year but stands out for its flexible coverage options and pricing tools. Allstate rounds out the list with a $820 yearly premium, offering a balance of robust protection and reliable customer service.
| Insurance Company | Averagen Monthly |
|---|---|
| The General | $61 |
| State Farm | $63 |
| Geico | $65 |
| Progressive | $67 |
| Allstate | $68 |
Common Rolls-Royce Wraith Insurance Discounts
- Multi-policy Discount: Bundling your home and auto insurance policies with a single provider can often result in a reduced rate.
- Pay Annually: Paying your premium in full, rather than in monthly installments, can lead to significant savings.
- Defensive Driving Discount: Completing certified defensive driving courses may make you eligible for discounted rates.
- Good Driver Discount: Maintaining a clean driving record with no accidents or violations can help lower your premiums.
- Good Student Discount: Students with a high GPA can often qualify for reduced rates.
- Vehicle Safety Features Discount: Having advanced safety features like anti-lock brakes, airbags, and anti-theft devices can result in discounts.
- Low Mileage Discount: Driving fewer miles annually than the average driver may qualify you for reduced premiums.
It’s a good idea to speak with your insurance agent to explore all available discounts and determine which ones you qualify for.
Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Rolls-Royce Wraith?
Yes, you will need to provide proof of insurance before driving your Rolls-Royce Wraith out of the dealership. The most effective approach is to purchase a policy beforehand and notify your insurance company about your intended purchase, rather than opting for insurance provided by the dealership.
How Can You Get The Cheapest Insurance For Your Rolls-Royce Wraith?
The most effective way to find the lowest rates for your Rolls-Royce Wraith is by comparing quotes from various auto insurance companies. Insuranceopedia makes this process simple by allowing you to compare quotes from multiple providers directly on their website.
