Rolls-Royce Cullinan Car Insurance Cost 2025
Getting insurance for a Rolls-Royce Cullinan costs $2,690 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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If you’re considering buying a Rolls-Royce Cullinan, one important factor to think about is the cost of insurance. On average, insurance for a Rolls-Royce Cullinan costs $2,690 per year. Insurance is a significant part of owning a car, and understanding this financial commitment before making your decision is crucial.
Choosing the right car insurance is essential to avoid unexpected and potentially high costs later on. Having adequate coverage in case of an accident can help you avoid large out-of-pocket expenses. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly impact your insurance premiums.
How Much Does Rolls-Royce Cullinan Car Insurance Cost?
Typically, Rolls-Royce Cullinan drivers can find car insurance at an average rate of $2,690 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 |
| 2024 Rolls-Royce Cullinan | $9,068 |
| 2023 Rolls-Royce Cullinan | $8,767 |
| 2022 Rolls-Royce Cullinan | $92,350 |
| 2019 Rolls-Royce Cullinan | $3,400 |
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
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
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.
