Insurance by make
Rolls-Royce Car Insurance
Rolls-Royce’s handbuilt ultra-luxury cars carry some of the highest premiums of any brand on the road.
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Quick answer
Illustrative full-coverage insurance for a Rolls-Royce starts around $480 per month for a standard driver profile, varying by model, trim, year, location, and record. Compare quotes to see your actual price.
Rolls-Royce insurance cost by model
These illustrative monthly estimates assume a standard full-coverage profile. Your rate will differ.
| Model | Body type | Illustrative / mo | Details |
|---|---|---|---|
| Rolls-Royce Ghost | Sedan | $1344 | View Ghost |
| Rolls-Royce Cullinan | SUV | $1488 | View Cullinan |
| Rolls-Royce Phantom | Sedan | $1632 | View Phantom |
Estimated rates for illustration only — not a quote.
What affects your Rolls-Royce insurance rate
Beyond the model you choose, insurers weigh your age, location, driving history, annual mileage, credit (where allowed), and the coverage limits and deductibles you select. Safety features and anti-theft technology can help lower your premium.
How to save on Rolls-Royce insurance
The single best step is to compare quotes across insurers, since prices for the same vehicle can vary by hundreds of dollars. Also explore cheap car insurance strategies, full coverage trade-offs, and other vehicles.
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Rolls-Royce insurance FAQs
How much does it cost to insure a Rolls-Royce?
Rolls-Royce insurance costs depend on the specific model, trim, year, your location, driving record, and coverage level. On this page you can compare illustrative monthly figures by model. These are estimates for education only, not quotes.
Is a Rolls-Royce expensive to insure?
Where a Rolls-Royce falls depends on the model. Economy and family models are generally cheaper to insure, while performance, luxury, and electric trims cost more because of higher repair and replacement costs.
How can I lower my Rolls-Royce insurance rate?
Compare quotes from several insurers, ask about every discount you qualify for, consider a higher deductible, bundle with home or renters insurance, and maintain a clean driving record.
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- Licensed agency partners nationwide
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- Compare 120+ carriers