Rolls-Royce Insurance Rates

The average cost of car insurance for a Rolls-Royce model is about $5,757 per year.

This is $3,863 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 $4,544 $6,672 $7,805
Rolls-Royce Wraith Insurance Cost $6,970 $10,235 $11,973

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 $19,500 $28,634 $33,498
18 $18,172 $26,684 $31,217
19 $16,060 $23,582 $27,588
20 $14,004 $20,562 $24,055
21 $11,743 $17,244 $20,172
22 $11,436 $16,794 $19,646
23 $10,007 $14,694 $17,190
24 $9,506 $13,960 $16,331
25 $8,204 $12,047 $14,094
30 $6,391 $9,385 $10,979
35 $5,986 $8,790 $10,282
40 $5,757 $8,454 $9,889
45 $5,602 $8,226 $9,623
55 $5,138 $7,544 $8,826
65 $5,359 $7,870 $9,206
75 $6,764 $9,932 $11,620

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 $6,100 $8,859 $11,276
Alaska $5,045 $6,994 $6,798
Arizona $5,704 $8,246 $12,148
Arkansas $6,253 $9,826 $10,818
California $6,962 $12,313 $6,962
Colorado $6,498 $9,094 $11,538
Connecticut $8,302 $12,874 $16,342
Delaware $6,872 $9,158 $11,764
Florida $8,182 $11,320 $14,751
Georgia $6,671 $9,975 $10,058
Hawaii $2,664 $3,618 $2,664
Idaho $4,630 $6,137 $7,462
Illinois $4,846 $7,325 $8,352
Indiana $4,978 $7,611 $8,540
Iowa $3,943 $5,408 $6,359
Kansas $5,246 $7,633 $8,928
Kentucky $7,584 $11,132 $13,146
Louisiana $9,736 $14,716 $15,956
Maine $3,681 $5,088 $7,513
Maryland $5,958 $8,670 $9,630
Massachusetts $4,778 $8,334 $4,778
Michigan $11,529 $17,568 $27,711
Minnesota $4,746 $6,328 $8,910
Mississippi $5,729 $8,172 $8,224
Missouri $5,398 $7,718 $10,139
Montana $5,488 $7,658 $8,914
Nebraska $4,640 $6,861 $7,454
Nevada $7,652 $11,350 $11,990
New Hampshire $5,323 $8,417 $10,641
New Jersey $5,865 $9,201 $12,040
New Mexico $5,989 $8,909 $9,248
New York $5,548 $6,986 $11,661
North Carolina $3,439 $5,908 $4,214
North Dakota $4,706 $7,152 $8,458
Ohio $4,196 $6,472 $6,636
Oklahoma $6,700 $9,594 $10,803
Oregon $6,098 $8,182 $9,772
Pennsylvania $5,136 $7,541 $8,822
Rhode Island $8,575 $12,578 $14,164
South Carolina $5,824 $8,071 $11,140
South Dakota $5,225 $7,528 $8,687
Tennessee $6,145 $9,046 $12,046
Texas $6,188 $8,940 $11,120
Utah $5,264 $7,376 $10,150
Vermont $4,052 $6,240 $6,596
Virginia $3,818 $5,861 $5,744
Washington $5,053 $6,858 $8,190
West Virginia $5,085 $7,280 $9,122
Wisconsin $5,068 $7,912 $9,025
Wyoming $4,732 $6,625 $7,054