Rolls-Royce Insurance Rates

The average cost of car insurance for a Rolls-Royce model is about $7,740 per year.

This is $5,515 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
Rolls-Royce Ghost Insurance Cost $5,598 $8,220 $9,616
Rolls-Royce Wraith Insurance Cost $9,881 $14,509 $16,973

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.

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 Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $26,216 $38,494 $45,033
18 $24,430 $35,874 $41,968
19 $21,590 $31,704 $37,088
20 $18,826 $27,644 $32,339
21 $15,787 $23,182 $27,120
22 $15,375 $22,577 $26,412
23 $13,453 $19,754 $23,110
24 $12,781 $18,768 $21,956
25 $11,030 $16,196 $18,947
30 $8,592 $12,616 $14,760
35 $8,048 $11,816 $13,824
40 $7,740 $11,364 $13,294
45 $7,531 $11,058 $12,937
55 $6,907 $10,142 $11,865
65 $7,204 $10,579 $12,376
75 $9,093 $13,352 $15,621

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 by State

State Good Driver Recent Accident Poor Credit
Alabama $8,200 $11,910 $15,160
Alaska $6,782 $9,402 $9,139
Arizona $7,668 $11,085 $16,332
Arkansas $8,407 $13,209 $14,544
California $9,360 $16,553 $9,360
Colorado $8,735 $12,224 $15,510
Connecticut $11,160 $17,308 $21,970
Delaware $9,239 $12,312 $15,814
Florida $11,000 $15,218 $19,831
Hawaii $3,582 $4,864 $3,582
Idaho $6,224 $8,250 $10,030
Illinois $6,514 $9,848 $11,228
Indiana $6,693 $10,232 $11,482
Iowa $5,302 $7,270 $8,549
Kansas $7,052 $10,262 $12,002
Kentucky $10,196 $14,966 $17,674
Louisiana $13,088 $19,784 $21,451
Maine $4,949 $6,841 $10,100
Maryland $8,009 $11,656 $12,948
Massachusetts $6,423 $11,204 $6,423
Michigan $15,499 $23,618 $37,254
Minnesota $6,380 $8,506 $11,978
Mississippi $7,702 $10,986 $11,057
Missouri $7,257 $10,376 $13,630
Montana $7,378 $10,296 $11,984
Nebraska $6,237 $9,224 $10,020
Nevada $10,288 $15,259 $16,119
New Hampshire $7,156 $11,316 $14,305
New Jersey $7,884 $12,370 $16,188
New Mexico $8,052 $11,977 $12,433
New York $7,458 $9,392 $15,676
North Carolina $4,624 $7,943 $5,664
North Dakota $6,326 $9,616 $11,372
Ohio $5,641 $8,700 $8,922
Oklahoma $9,008 $12,898 $14,523
Oregon $8,197 $10,999 $13,137
Pennsylvania $6,904 $10,138 $11,861
Rhode Island $11,528 $16,910 $19,042
South Carolina $7,829 $10,850 $14,976
South Dakota $7,024 $10,122 $11,678
Tennessee $8,260 $12,160 $16,194
Texas $8,320 $12,018 $14,949
Utah $7,077 $9,916 $13,646
Vermont $5,448 $8,390 $8,868
Virginia $5,132 $7,879 $7,723
Washington $6,794 $9,220 $11,010
West Virginia $6,836 $9,788 $12,264
Wisconsin $6,814 $10,638 $12,133
Wyoming $6,362 $8,906 $9,484
Georgia $8,968 $13,410 $13,522