Rolls-Royce Insurance Cost
Across 4 current Rolls-Royce models, full coverage averages about $3,771 a year by our estimate — +137% versus the average vehicle ($1,590).
Rolls-Royce insurance profile
Rolls-Royce is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 3 luxury cars and 1 luxury suv. HLDI collision losses for its models average 468 (100 = all-vehicle average).
Every Rolls-Royce model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Phantom | Luxury car | 2005–2027 | — | $1,820 | +14% |
| Spectre | Luxury car | 2024–2027 | — | $1,910 | +20% |
| Ghost | Luxury car | 2010–2027 | 405 | $5,195 | +227% |
| Cullinan | Luxury SUV | 2019–2027 | 531 | $6,160 | +287% |
Older and discontinued Rolls-Royce models
What makes Rolls-Royce insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 2 models range from 405 to 531, so the model you pick matters as much as the brand.
- Segment mix: 3 luxury car, 1 luxury suv.
Average Rolls-Royce insurance cost by state
Average full-coverage estimate across current Rolls-Royce models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Hawaii | $2,510 | −33% |
| Maine | $2,551 | −32% |
| Idaho | $2,654 | −30% |
| New Hampshire | $2,733 | −28% |
| Vermont | $2,816 | −25% |
| Indiana | $2,846 | −25% |
| Ohio | $2,863 | −24% |
| Washington | $2,918 | −23% |
| Oregon | $2,985 | −21% |
| Wisconsin | $3,010 | −20% |
| Utah | $3,019 | −20% |
| North Carolina | $3,161 | −16% |
| Kentucky | $3,211 | −15% |
| Alaska | $3,235 | −14% |
| Virginia | $3,255 | −14% |
| Nevada | $3,334 | −12% |
| North Dakota | $3,361 | −11% |
| Illinois | $3,409 | −10% |
| Iowa | $3,413 | −9% |
| Tennessee | $3,416 | −9% |
| California | $3,500 | −7% |
| Massachusetts | $3,533 | −6% |
| Connecticut | $3,539 | −6% |
| Delaware | $3,558 | −6% |
| Alabama | $3,566 | −5% |
| Pennsylvania | $3,594 | −5% |
| New Mexico | $3,649 | −3% |
| New Jersey | $3,741 | −1% |
| West Virginia | $3,770 | 0% |
| Minnesota | $3,800 | +1% |
| South Carolina | $3,804 | +1% |
| Nebraska | $3,871 | +3% |
| Kansas | $3,886 | +3% |
| Arkansas | $3,900 | +3% |
| Missouri | $3,913 | +4% |
| Rhode Island | $3,928 | +4% |
| Maryland | $3,941 | +5% |
| Montana | $3,974 | +5% |
| Arizona | $4,008 | +6% |
| Georgia | $4,086 | +8% |
| Michigan | $4,096 | +9% |
| Mississippi | $4,103 | +9% |
| Oklahoma | $4,110 | +9% |
| Florida | $4,389 | +16% |
| Wyoming | $4,431 | +17% |
| New York | $4,441 | +18% |
| South Dakota | $4,466 | +18% |
| District of Columbia | $4,689 | +24% |
| Texas | $5,105 | +35% |
| Colorado | $5,108 | +35% |
| Louisiana | $5,199 | +38% |
Frequently asked questions
How much does it cost to insure a Rolls-Royce?
Across 4 current Rolls-Royce models, our full-coverage estimate averages $3,771 a year for a driver in their 30s with a clean record, 2.4 times the average vehicle ($1,590).
What is the cheapest Rolls-Royce to insure?
The Rolls-Royce Phantom has the lowest estimate at about $1,820 a year for full coverage; the Rolls-Royce Cullinan is the most expensive at about $6,160.
Are Rolls-Royce repairs expensive for insurers?
HLDI collision-loss data for 2 Rolls-Royce models averages 468 (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 Rolls-Royce?
By our estimates, Hawaii is the cheapest state (about $2,510 a year on average across current models) and Louisiana the most expensive (about $5,199).
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.