Rolls-Royce Phantom Car Insurance Cost 2025
On average, insuring a Rolls-Royce Phantom costs around $1,100 per year. However, your exact premium may vary depending on factors like your age, the model year of the car, and other considerations. You can refer to our quote tables below to estimate your specific insurance costs.
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If you’re considering purchasing a Rolls-Royce Phantom, it’s important to consider the cost of insurance. On average, insurance for a Rolls-Royce Phantom costs $1,100 per year. Insurance is a significant aspect of car ownership, and understanding the financial implications before making a decision is crucial.
Selecting the right car insurance is essential to prevent unexpected and potentially costly surprises in the future. Having adequate coverage in the event of an accident is important to avoid substantial out-of-pocket expenses. Additionally, being found at fault in an accident could lead to higher premium rates.
Based on over ten years of experience studying car insurance rates, I’ve observed the significant variation in these costs. Factors such as your age, driving history, and location all play significant roles in determining your insurance premiums.
How Much Does Rolls-Royce Phantom Car Insurance Cost?
Typically, Rolls-Royce Phantom drivers can expect to pay an average of $1,100 per year for car insurance. However, the exact cost may vary depending on several factors, such as the driver’s age, location, driving history, and the year of the car.
While Allstate’s rate can be a useful starting point, it’s important to understand that car insurance costs can vary significantly due to various factors. These factors include your location, driving history, your car’s age, and the specific coverage options you choose. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can cause rates to rise.
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 impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, will generally be more expensive than basic liability coverage.
Here at Insuranceopedia, we’re here to help you shop around and compare quotes from different insurance providers to ensure you get the best deal.
Average Insurance Cost Of Rolls-Royce Phantom By Model Year
| Model Year | Average 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 |
| 2013 Rolls-Royce Phantom | $2,566 |
| 2012 Rolls-Royce Phantom | $1,529 |
2024 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2024 Rolls-Royce Phantom is $1,783. However, Allstate offers the cheapest rates, averaging $1,100 per year.
| Insurance Provider | Average Annual Cost |
|---|---|
| Unitrin | $2,520 |
| Sentry | $1,880 |
| Allstate | $1,100 |
| Metropolitan | $1,630 |
2022 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2022 Rolls-Royce Phantom is $1,731. However, Allstate offers the cheapest rates, averaging $1,050 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $2,461 |
| Sentry | $1,827 |
| Allstate | $1,050 |
| Metropolitan | $1,587 |
2021 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2021 Rolls-Royce Phantom is $2,069. However, Dairyland Auto offers the cheapest rates, averaging $845 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $4,552 |
| American Family | $950 |
| Nationwide | $2,557 |
| Sentry | $3,699 |
| Kemper Auto Premier | $935 |
| Dairyland Auto | $845 |
| Western National | $1,621 |
| Farmers | $1,583 |
| Auto Club Group | $1,882 |
2018 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2018 Rolls-Royce Phantom is $2,269. However, Mercury offers the cheapest rates, averaging $910 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,044 |
| Virginia Farm Bureau | $987 |
| Allied | $4,994 |
| Mercury | $910 |
| Nationwide | $3,408 |
2014 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2014 Rolls-Royce Phantom is $4,327. However, Mercury offers the cheapest rates, averaging $1,061 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $15,172 |
| Metropolitan | $1,373 |
| Virginia Farm Bureau | $1,124 |
| Mercury | $1,061 |
| Nationwide | $4,187 |
| Unitrin | $1,541 |
| Allied | $5,833 |
2013 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2013 Rolls-Royce Phantom is $2,566. However, Virginia Farm Bureau offers the cheapest rates, averaging $874 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $1,379 |
| Mercury | $1,177 |
| Allied | $5,404 |
| Virginia Farm Bureau | $874 |
| Nationwide | $3,996 |
2012 Rolls-Royce Phantom Insurance Rates
The average annual insurance cost for a 2012 Rolls-Royce Phantom is $1,529. However, Nationwide offers the cheapest rates, averaging $1,171 per year.
| Insurance Provider | Average Annual Cost |
| Sentry | $2,350 |
| Farmers | $1,417 |
| Nationwide | $1,171 |
| Metropolitan | $1,179 |
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Rolls-Royce Phantom Car Insurance Rates By Age
Exactly! Age is a key factor in determining car insurance rates. Teen drivers generally face the highest premiums because they lack the experience to avoid accidents, making them a higher risk. As drivers age and gain more experience, their insurance rates typically decrease, especially once they reach their late 20s or early 30s. This is because they are considered less likely to be involved in accidents, lowering the perceived risk for insurance companies.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $32,678 | $48,003 | $56,133 |
| 18 | $11,336 | $16,632 | $19,468 |
| 19 | $8,938 | $13,141 | $15,476 |
| 20 | $8,589 | $12,652 | $14,779 |
| 21 | $9,382 | $13,815 | $16,119 |
| 22 | $9,638 | $14,178 | $16,602 |
| 23 | $10,042 | $14,773 | $17,197 |
| 24 | $10,692 | $15,704 | $18,415 |
| 25 | $13,784 | $20,163 | $23,598 |
| 30 | $15,890 | $23,409 | $27,366 |
| 35 | $16,765 | $24,633 | $28,813 |
| 40 | $19,158 | $28,161 | $32,919 |
| 45 | $19,663 | $28,914 | $33,807 |
| 55 | $23,474 | $34,445 | $40,314 |
| 65 | $26,879 | $39,527 | $46,276 |
| 75 | $30,474 | $44,695 | $52,347 |
Rolls-Royce Phantom Car Insurance Rates By State
Yes, location is another important factor that insurance companies take into account when determining car insurance rates. If you live in an area prone to extreme weather, like hurricanes, floods, or snowstorms, your insurance premiums may be higher to account for the increased risk of damage to your vehicle.
Additionally, areas with higher crime rates, such as car thefts or vandalism, will often lead to higher rates because insurance companies factor in the potential for damage or loss. Similarly, regions with higher rates of accidents and traffic fatalities also increase the likelihood of claims, which can result in higher premiums for drivers in those areas.
State regulations also play a role. For example, some states, like Michigan, have no-fault insurance laws that require drivers to carry higher levels of coverage, which can make premiums more expensive. All of these factors combined help insurance companies assess the risk and determine your rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $11,166 | $16,721 | $16,876 |
| Alaska | $10,206 | $14,860 | $18,913 |
| Arizona | $8,435 | $11,753 | $11,395 |
| Arkansas | $9,555 | $13,783 | $20,367 |
| California | $10,496 | $16,458 | $18,117 |
| Colorado | $11,686 | $20,654 | $11,673 |
| Connecticut | $10,886 | $15,222 | $19,302 |
| Delaware | $13,941 | $21,577 | $27,379 |
| Florida | $11,524 | $15,338 | $19,736 |
| Georgia | $13,717 | $18,969 | $24,726 |
| Hawaii | $4,467 | $6,050 | $4,452 |
| Idaho | $7,760 | $10,284 | $12,483 |
| Illinois | $8,153 | $12,248 | $13,997 |
| Indiana | $8,330 | $12,761 | $14,312 |
| Iowa | $6,629 | $9,086 | $10,653 |
| Kansas | $8,809 | $12,808 | $14,959 |
| Kentucky | $12,701 | $18,654 | $22,009 |
| Louisiana | $16,283 | $24,632 | $26,738 |
| Maine | $6,181 | $8,489 | $12,596 |
| Maryland | $10,024 | $14,535 | $16,121 |
| Massachusetts | $8,000 | $13,965 | $8,009 |
| Michigan | $19,313 | $29,458 | $46,442 |
| Minnesota | $7,979 | $10,625 | $14,935 |
| Mississippi | $9,569 | $13,698 | $13,780 |
| Missouri | $9,049 | $12,930 | $17,000 |
| Montana | $9,157 | $12,839 | $14,961 |
| Nebraska | $7,796 | $11,509 | $12,521 |
| Nevada | $12,857 | $19,049 | $20,095 |
| New Hampshire | $8,940 | $14,103 | $17,860 |
| New Jersey | $9,824 | $15,414 | $20,214 |
| New Mexico | $10,016 | $14,941 | $15,506 |
| New York | $9,317 | $11,725 | $19,529 |
| North Carolina | $5,746 | $9,936 | $7,102 |
| North Dakota | $7,888 | $12,019 | $14,172 |
| Ohio | $7,040 | $10,833 | $11,130 |
| Oklahoma | $11,230 | $16,070 | $18,136 |
| Oregon | $10,226 | $13,694 | $16,379 |
| Pennsylvania | $8,611 | $12,640 | $14,774 |
| Rhode Island | $14,401 | $21,084 | $23,751 |
| South Carolina | $9,771 | $13,533 | $18,639 |
| South Dakota | $8,760 | $12,616 | $14,552 |
| Tennessee | $10,308 | $15,122 | $20,221 |
| Texas | $10,353 | $14,997 | $18,658 |
| Utah | $8,820 | $12,372 | $17,007 |
| Vermont | $6,757 | $10,478 | $11,075 |
| Virginia | $6,392 | $9,833 | $9,627 |
| Washington | $8,497 | $11,515 | $13,691 |
| West Virginia | $8,482 | $12,208 | $15,276 |
| Wisconsin | $8,483 | $13,272 | $15,121 |
| Wyoming | $7,936 | $11,077 | $11,824 |
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Common Rolls-Royce Phantom Insurance Discounts
Yes, discounts can be a helpful way to reduce your car insurance premiums. In addition to the common discounts you mentioned, here are a few others you might want to check for:
- Safe driver discount: If you have a clean driving record with no accidents or violations, you could qualify for a discount as a reward for your safe driving habits.
- Low mileage discount: If you don’t drive very much, some insurance providers will offer lower rates as you’re less likely to get into an accident.
- Student discount: If you’re a student with good grades, many insurers offer discounts to encourage safe driving behavior.
- Vehicle safety features: If your vehicle has advanced safety features like anti-theft systems, airbags, or lane departure warning systems, these may qualify you for a discount.
- Good credit discount: In some states, insurers offer discounts to drivers with good credit scores, as they are considered to be lower risk.
It’s always a good idea to speak with your insurance provider about all the discounts you might be eligible for. They can provide specific information based on your profile and help you save on your premiums.
Compare Rolls-Royce Phantom To Other Rolls-Royce Models
Looking for other Rolls-Royce model insurance costs?
Our Methodology
The average car insurance costs are calculated using a sample profile of a 40-year-old male driver with full-coverage insurance, including $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, individual rates can vary based on factors such as age, gender, location, driving history, the type of vehicle, and even credit score. For instance, younger drivers and those in higher-risk areas tend to face higher premiums, while drivers with clean records and lower-risk vehicles may pay less. Since these factors significantly influence rates, it's important to shop around and get personalized quotes from different insurance providers to ensure the best rate for your situation.
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FAQs
Do You Need Insurance Before You Can Purchase A Rolls-Royce Phantom?
Yes, you will need to provide proof of insurance before you can drive your Rolls-Royce Phantom off the dealership lot. The best approach is to purchase an insurance policy beforehand and inform your insurance company that you are about to buy the car. This way, you will be ready with proof of insurance when you pick up the car, rather than relying on the dealership’s insurance options. This also gives you more control over the type of coverage and rates you choose.
How Can You Get The Cheapest Insurance For Your Rolls-Royce Phantom?
The best way to find the most affordable rates for your Rolls-Royce Phantom is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, all in one place. This will help you find the most competitive rates for your specific needs and ensure you’re getting the best deal possible.
