Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

Full Bio →

Written by

I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

Full Bio →

Reviewed by Chris Huntley
Founder of Huntley Wealth & Insurance Services

UPDATED: Jul 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

When you’re looking to buy a Rolls Royce, getting quotes from the best insurance companies with the strongest reputations is crucial.

While lesser-known insurance companies often offer lower rates, their coverage may be limited, and customer service might be sub-par.

Top companies are those who provide policyholders timely claims processing, multiple coverage options, and discounted rates for good drivers and those who drive vehicles with the newest safety features.

Rolls Royce Insurance Cost

rolls royce logoRolls Royce insurance rates vary greatly depending on the insurance provider.

While a Rolls Royce is considered an investment vehicle and most rates may seem higher than the average insurance policy, some companies may be priced lower than their competitors.

Although choosing the most economical rate might seem to be the best choice at first, it’s important to look beyond the quote and dig a bit deeper.

Read the fine print and be sure that you understand precisely how much coverage you get for the estimated price.

On top of that, investigate customer satisfaction and claims satisfaction ratings, financial strength, and reviews for each potential insurance company.

When a company collects detailed background information before calculating your quote, it is a good indicator of how thorough and professional the insurance provider is.

Look at the factors listed below that most insurance providers take into account and compare them to the information you provided before receiving your quote. Additionally, you may learn of other important considerations that can affect any Rolls Royce driver.

Safety Rating and Damage Threshold

Safety ratings for specific vehicles heavily influence insurance rates.

The National Highway Safety Traffic Association (NHSTA) and the Insurance Institute for Highway Safety (IIHS) perform crash and safety tests on hundreds of passenger vehicles each year.

It assigns safety ratings in several categories including Headlights, Head Restraints and Seats, Roof Strength and Side.

Unfortunately, most Rolls Royce vehicles are customized, so the results of these tests are somewhat unreliable.

No safety tests or crash test ratings are available for Rolls Royce from either the NHSTA or the IIHS.

As a result of the lack of safety testing available, and the cars’ luxury category, insurance companies may charge higher policy rates for Rolls Royce insurance.

Comprehensive and Collision Coverage

The overall value of your vehicle plays a significant role in the final price you pay for Rolls Royce insurance.

These values are based on the make and model of your car, its year and condition, as well as its included features.

Rolls Royce vehicles typically start at approximately $250,000 brand new, however, because these vehicles are completely customizable, the value can vary quite a bit from one car to another.

Each insurance provider will have its own method for determining the overall insurable value of your Rolls Royce.

Claims Frequency and Potential to Cause Damage

When insurance providers are calculating rates for Rolls Royce insurance, one primary consideration is usually how likely the vehicle is to cause damage and how often claims have been made on Rolls Royce’s cars in the past.

Insurance companies might access IIHS Insurance Loss Information to obtain this data if the vehicle in question was included in the report.

Again, information about Roll Royce vehicles is hard to come by.

As a result, they may be required to pull this information from other outlets or their own company databases.

Insurance Discounts

Rolls Royce is known for top-of-the-line features throughout its vehicles, including advanced safety features such as a sophisticated security system, anti-whiplash head restraints, and stability control.

All of these features come standard with most newer Rolls Royce models.

Rolls Royce is also known for being fully customizable, meaning customers who want additional safety features integrated at the time of purchase can easily do so.

Other safety features are more likely to qualify drivers for more discounts on their insurance policy from most providers.

Enter your ZIP code below to view companies that have cheap insurance rates.

 Secured with SHA-256 Encryption

How To Find The Best Rolls Royce Insurance

When you’re shopping for insurance for your Rolls Royce or any other make of vehicle, it’s a good idea to request quotes from at least three insurance companies.

Additionally, researching each company’s reviews and customer satisfaction ratings gives you an idea of how well it processes claims and services customers.

Furthermore, it’s important to consider the following:

  • Financial strength
  • Licensing
  • Customer service
  • How comfortable you feel with the agent

Once you’ve chosen a provider for your Rolls Royce insurance, be sure to ask them some of the following questions to obtain the best possible rate.

  • Do you offer a discount for good drivers?
  • Does lower mileage equate to a lower rate?
  • Do the safety features in my vehicle mean I’ll pay less?
  • If I pay in full or set up automatic payments, do I qualify for any discounts?

What to Know About Rolls Royce

Rolls Royce is a British auto manufacturer known for luxury sedans, convertibles, and SUVs.

Its vehicles are priced high and, therefore, above the budget of typical drivers.

Rolls Royce is a wholly-owned subsidiary of BMW.

Now that you have a good understanding of how top car insurance companies calculate rolls Royce insurance rates, you should feel confident enough to negotiate a fair price for your policy.