Rolls-Royce Insurance Rates

Rolls-Royce Insurance Rates

The average cost of car insurance for Rolls-Royce models is about $9,648 per year.

This is $6,753 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Rolls-Royce insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Rolls-Royce insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure


Insurance Cost per Rolls-Royce Model

Model Good Driver Recent Accident Poor Credit
Estimated Rolls-Royce Ghost Insurance Rates $7,073 $10,385 $12,150
Estimated Rolls-Royce Wraith Insurance Rates $12,224 $17,949 $20,998

The cost to insure a Rolls-Royce model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Are car insurance rates based on credit score?

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Rolls-Royce, then see our insurance analysis and rankings for other makes and models here.

Rolls-Royce Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $32,681 $47,988 $56,140
18 $30,456 $44,722 $52,318
19 $26,916 $39,522 $46,236
20 $23,469 $34,461 $40,316
21 $19,681 $28,900 $33,808
22 $19,168 $28,146 $32,926
23 $16,771 $24,626 $28,810
24 $15,933 $23,396 $27,370
25 $13,750 $20,190 $23,620
30 $10,711 $15,728 $18,400
35 $10,032 $14,731 $17,233
40 $9,648 $14,167 $16,574
45 $9,388 $13,786 $16,128
55 $8,610 $12,643 $14,791
65 $8,982 $13,188 $15,428
75 $11,336 $16,646 $19,474

Rolls-Royce auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Rolls-Royce models by state.


Average Rolls-Royce Insurance Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $11,180 $16,718 $16,856
Wyoming $7,930 $11,102 $11,823
Wisconsin $8,495 $13,261 $15,126
West Virginia $8,522 $12,202 $15,289
Washington $8,469 $11,494 $13,725
Virginia $6,398 $9,822 $9,628
Vermont $6,791 $10,459 $11,055
Utah $8,822 $12,362 $17,011
Texas $10,372 $14,982 $18,636
Tennessee $10,298 $15,160 $20,189
South Dakota $8,756 $12,618 $14,560
South Carolina $9,760 $13,526 $18,670
Rhode Island $14,372 $21,081 $23,739
Pennsylvania $8,608 $12,638 $14,786
Oregon $10,219 $13,712 $16,377
Oklahoma $11,230 $16,079 $18,105
Ohio $7,032 $10,846 $11,122
North Dakota $7,887 $11,987 $14,176
North Carolina $5,764 $9,902 $7,062
New York $9,298 $11,708 $19,543
New Mexico $10,038 $14,931 $15,499
New Jersey $9,829 $15,420 $20,180
New Hampshire $8,922 $14,107 $17,834
Nevada $12,824 $19,023 $20,095
Nebraska $7,776 $11,498 $12,492
Montana $9,198 $12,834 $14,939
Missouri $9,047 $12,934 $16,992
Mississippi $9,602 $13,695 $13,784
Minnesota $7,954 $10,605 $14,933
Michigan $19,322 $29,444 $46,442
Massachusetts $8,006 $13,968 $8,006
Maryland $9,984 $14,532 $16,140
Maine $6,170 $8,528 $12,591
Louisiana $16,316 $24,664 $26,742
Kentucky $12,710 $18,658 $22,032
Kansas $8,792 $12,792 $14,962
Iowa $6,609 $9,063 $10,658
Indiana $8,344 $12,755 $14,314
Illinois $8,122 $12,276 $13,996
Idaho $7,759 $10,286 $12,504
Hawaii $4,466 $6,062 $4,466
Florida $13,714 $18,972 $24,722
Delaware $11,518 $15,350 $19,715
Connecticut $13,912 $21,576 $27,388
Colorado $10,890 $15,240 $19,336
California $11,669 $20,636 $11,669
Arkansas $10,480 $16,467 $18,131
Arizona $9,559 $13,819 $20,360
Alaska $8,455 $11,721 $11,393
Alabama $10,223 $14,847 $18,899

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