Rolls-Royce Insurance Rates

When determining the cost of insurance, insurance companies consider a range of vehicle-related factors, including the vehicle’s safety rating, theft risk, replacement cost, and overall susceptibility to damage.

How a vehicle from Rolls-Royce affects the cost of insurance

Rolls-Royce Insurance Rates - Rolls-Royce Logo

Because repairing or replacing a Rolls-Royce is so expensive, your insurance rate will increase correspondingly.

Additionally, the model, mileage, and trim package all influence the insurance cost. Additionally, factors such as your driving history, credit score, and age are taken into account.

The majority of reputable insurance providers offer coverage for this exquisite luxury car. If you’re having trouble getting insurance for your vehicle, you could investigate specialty insurers for exotic and sports autos. This is referred to as “conventional” automobile insurance on occasion.

Average Rolls-Royce car insurance rates

Pros and cons of insuring a Rolls-Royce



  • Its high price tag means it is costly to repair or replace
  • Because it’s a costly investment, you’ll want more than minimum coverage

About the Rolls-Royce brand

At the turn of the twentieth century, Henry Royce and Charles Rolls partnered to market automobiles under the Rolls-Royce name. By 1907, they had already won their first prize, The World’s Best Automobile. Rolls Royce maintained this success over the subsequent decades, and by the 1960s, the brand had attracted the attention of stars and celebrities, therefore solidifying the Rolls Royce’s reputation as a symbol of success.

BMW acquired the rights to manufacture Rolls-Royce automobiles in the 1990s, and they continue to create one of the most famous automobiles on the road today.

Are there any standout Rolls-Royce models?

One might argue that any Rolls-Royce model is unique. And, of course, we would concur. However, our attention is drawn to the Black Badge Wraith. Its svelte, powerful appearance is complemented by improved torque, enhanced steering, and revised suspension. It is unquestionably breathtaking.

Rolls-Royce car facts

  • Not only are Rolls Royces among the most costly automobiles available, but they are also among the most expensive to insure. Typically, you’ll want more than just minimal liability coverage for this sports vehicle, with umbrella insurance and comprehensive coverage providing additional security.
  • Rolls Royce is not only a manufacturer of luxury automobiles; they are also a prominent manufacturer of aviation engines for big civil airplanes and corporate jets.
  • Not all insurance companies offer specialist or high-end auto coverage. Compare insurers who specialize in high-performance automobile insurance.

Compare Rolls-Royce competitors

Are you looking for a different brand of automobile? Compare Rolls-Royce to other vehicle manufacturers or to entirely other manufactures.

Bottom line

Insurance on a Rolls-Royce is pricey, but we’re thinking that if you can afford the high purchase price, you can afford the insurance premium. However, be careful to search for the best auto insurance rates.

Check out our review of Lexus Insurance Rates one of Rolls-Royce competitors.