Bentley Insurance Cost
Across 3 current Bentley models, full coverage averages about $4,052 a year by our estimate — +155% versus the average vehicle ($1,590).
Bentley insurance profile
Bentley is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 1 luxury suv, 1 luxury car, and 1 luxury sports car. HLDI collision losses for its models average 370 (100 = all-vehicle average).
Every Bentley model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Flying Spur | Luxury car | 2006–2026 | 473 | $3,950 | +148% |
| Continental GT | Luxury sports car | 2005–2026 | 299 | $4,085 | +157% |
| Bentayga | Luxury SUV | 2017–2027 | 339 | $4,120 | +159% |
Older and discontinued Bentley models
- Mulsanne 2011–2020
- Brooklands 2009–2010
- Azure 2007–2010
- Arnage 2005–2009
What makes Bentley insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- Claims history: HLDI collision indices across 3 models range from 299 to 473, so the model you pick matters as much as the brand.
- Segment mix: 1 luxury suv, 1 luxury car, 1 luxury sports car.
Average Bentley insurance cost by state
Average full-coverage estimate across current Bentley models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Hawaii | $2,800 | −31% |
| Maine | $2,820 | −30% |
| Idaho | $2,920 | −28% |
| New Hampshire | $3,030 | −25% |
| Vermont | $3,125 | −23% |
| Indiana | $3,138 | −23% |
| Ohio | $3,160 | −22% |
| Washington | $3,207 | −21% |
| Oregon | $3,268 | −19% |
| Wisconsin | $3,302 | −19% |
| Utah | $3,313 | −18% |
| North Carolina | $3,510 | −13% |
| Kentucky | $3,522 | −13% |
| Alaska | $3,582 | −12% |
| Virginia | $3,585 | −12% |
| Nevada | $3,647 | −10% |
| North Dakota | $3,692 | −9% |
| Iowa | $3,740 | −8% |
| Illinois | $3,763 | −7% |
| Tennessee | $3,773 | −7% |
| Delaware | $3,893 | −4% |
| Connecticut | $3,898 | −4% |
| California | $3,913 | −3% |
| Massachusetts | $3,917 | −3% |
| Alabama | $3,938 | −3% |
| Pennsylvania | $3,972 | −2% |
| New Mexico | $4,012 | −1% |
| New Jersey | $4,108 | +1% |
| West Virginia | $4,145 | +2% |
| South Carolina | $4,150 | +2% |
| Minnesota | $4,158 | +3% |
| Nebraska | $4,238 | +5% |
| Kansas | $4,252 | +5% |
| Missouri | $4,288 | +6% |
| Arkansas | $4,305 | +6% |
| Rhode Island | $4,325 | +7% |
| Maryland | $4,340 | +7% |
| Montana | $4,345 | +7% |
| Arizona | $4,388 | +8% |
| Georgia | $4,470 | +10% |
| Mississippi | $4,503 | +11% |
| Oklahoma | $4,512 | +11% |
| Michigan | $4,533 | +12% |
| Florida | $4,777 | +18% |
| Wyoming | $4,838 | +19% |
| South Dakota | $4,867 | +20% |
| New York | $4,868 | +20% |
| District of Columbia | $5,193 | +28% |
| Colorado | $5,570 | +37% |
| Texas | $5,600 | +38% |
| Louisiana | $5,698 | +41% |
Frequently asked questions
How much does it cost to insure a Bentley?
Across 3 current Bentley models, our full-coverage estimate averages $4,052 a year for a driver in their 30s with a clean record, 2.5 times the average vehicle ($1,590).
What is the cheapest Bentley to insure?
The Bentley Flying Spur has the lowest estimate at about $3,950 a year for full coverage; the Bentley Bentayga is the most expensive at about $4,120.
Are Bentley repairs expensive for insurers?
HLDI collision-loss data for 3 Bentley models averages 370 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Bentley?
By our estimates, Hawaii is the cheapest state (about $2,800 a year on average across current models) and Louisiana the most expensive (about $5,698).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.