Rolls-Royce Insurance Rates

The average cost of car insurance for a Rolls-Royce model is about $6,726 per year.

This is $4,659 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 $4,810 $7,165 $8,470
Rolls-Royce Wraith Insurance Cost $8,643 $12,874 $15,218

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 $22,785 $33,938 $40,118
18 $21,234 $31,628 $37,387
19 $18,765 $27,950 $33,040
20 $16,362 $24,372 $28,810
21 $13,722 $20,438 $24,160
22 $13,363 $19,904 $23,529
23 $11,693 $17,416 $20,588
24 $11,108 $16,546 $19,559
25 $9,586 $14,279 $16,878
30 $7,468 $11,124 $13,148
35 $6,994 $10,418 $12,315
40 $6,726 $10,020 $11,844
45 $6,546 $9,750 $11,525
55 $6,003 $8,942 $10,570
65 $6,262 $9,327 $11,026
75 $7,904 $11,772 $13,916

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 $7,128 $9,984 $12,495
Alaska $5,895 $8,586 $8,996
Arizona $6,664 $10,338 $14,742
Arkansas $7,307 $11,068 $12,382
California $8,136 $14,230 $8,136
Colorado $7,592 $10,510 $13,111
Connecticut $9,700 $14,996 $19,208
Delaware $8,030 $11,056 $14,678
Florida $9,561 $12,986 $16,930
Georgia $7,794 $12,014 $12,326
Hawaii $3,114 $4,298 $3,114
Idaho $5,409 $7,280 $9,063
Illinois $5,662 $8,370 $9,706
Indiana $5,817 $9,091 $10,608
Iowa $4,608 $6,912 $8,054
Kansas $6,130 $9,025 $10,690
Kentucky $8,862 $13,330 $15,677
Louisiana $11,376 $17,386 $18,718
Maine $4,302 $5,770 $8,419
Maryland $6,961 $10,206 $12,054
Massachusetts $5,582 $9,440 $5,582
Michigan $13,471 $20,252 $31,140
Minnesota $5,546 $7,449 $11,026
Mississippi $6,694 $10,112 $10,681
Missouri $6,308 $8,687 $11,236
Montana $6,413 $10,035 $11,068
Nebraska $5,421 $7,674 $8,730
Nevada $8,942 $13,497 $14,807
New Hampshire $6,220 $10,025 $12,766
New Jersey $6,853 $10,804 $13,938
New Mexico $6,998 $10,070 $11,309
New York $6,482 $8,442 $13,626
North Carolina $4,018 $6,487 $4,999
North Dakota $5,498 $8,464 $10,745
Ohio $4,903 $8,018 $8,308
Oklahoma $7,830 $11,756 $13,334
Oregon $7,124 $10,761 $12,345
Pennsylvania $6,002 $9,076 $10,415
Rhode Island $10,020 $15,375 $17,584
South Carolina $6,804 $9,848 $14,051
South Dakota $6,105 $8,400 $10,078
Tennessee $7,180 $10,740 $13,550
Texas $7,231 $10,642 $13,358
Utah $6,150 $8,894 $12,266
Vermont $4,735 $7,571 $8,276
Virginia $4,460 $6,716 $7,136
Washington $5,904 $8,871 $10,460
West Virginia $5,942 $8,652 $10,684
Wisconsin $5,922 $8,646 $10,500
Wyoming $5,529 $8,125 $9,084