How Much Does Rolls-Royce Car Insurance Cost?
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.
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.
Insurance Cost Per Rolls-Royce Model
| 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.
Rolls-Royce Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $335 |
| State Farm | $360 |
| Farmer | $370 |
| Progressive | $375 |
| Allstate | $425 |
Rolls-Royce Car Insurance Cost – 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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
