How Much Is Bentley Insurance?
Discover how much you can expect to pay to insure your Bentley.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
The ultra-luxurious Bentley provides more than just a comfortable ride and a sophisticated look. This British car brand offers a full lineup of SUVs, sedans, coupes, and convertibles.
Purchasing a Bentley is an extremely sizable investment, so you’ll want to know how and where to properly insure your vehicle. Bentley insurance is itself an investment, costing around $2,736 per year, on average.
Our guide to Bentley insurance provides some information on how to get insurance and how much it might cost. In most cases, you’ll need to get coverage from an insurance company that specializes in coverage for high-end or collector cars.
You can get more information about Bentley insurance from an independent insurance agent who specializes in finding coverage for rare luxury vehicles.
In this article:
How Much Does a Bentley Cost to Insure by Model?
Are Bentleys Expensive to Insure?
What Is Collector Car Insurance for Bentleys?
Why Do Insurance Costs Differ Between Bentley Models?
Where to Get Bentley Insurance
How Can an Independent Insurance Agent Help You Get Bentley Insurance?
How Much Does a Bentley Cost to Insure by Model?
The cost to insure a Bentley can vary depending on the model and its unique features. But you’ll find that no matter what model or model year Bentley you drive, your insurance costs will be quite high. What’s more, you may need to look to a specialty insurer to cover your Bentley.
Our research found that the average cost to insure a Bentley is $2,736 per year. Keep in mind that the national average for car insurance is $1,311 per year.
We’ve looked into the cost of insuring several Bentley models and found the following information.
| Bentley Model | Average Cost of Car Insurance Per Year |
|---|---|
| 2018 Bentley Bentayga | $1,584 |
| 2018 Bentley Mulsane | $3,240 |
| 2018 Bentley Continental | $3,240 |
| 2018 Bentley Flying Spur | $2,880 |
An independent insurance agent near you can help you find Bentley insurance for whatever model you invest in.
Are Bentleys Expensive to Insure?
Bentleys are very expensive to insure. Here are some reasons why:
- Vehicle value: Bentleys are not cheap to purchase, with ticket prices that can reach over $300,000. The high value of Bentley vehicles is reflected in high insurance costs. If your Bentley were damaged or totaled, your insurance company expects to make a significant payout.
- Repair costs: Bentleys are expensive to manufacture and repair, with specialized, costly parts often being shipped from overseas. Any vehicle with expensive parts will cost more to insure.
Besides the costs related to replacing or fixing a Bentley, the owner's personal characteristics also play a role in Bentley insurance costs. Your driving record, past claim history, age, gender, marital status, annual mileage, and other aspects of your driver profile can all contribute to higher (or lower) insurance costs, depending on how much risk you are perceived to have.
What Is Collector Car Insurance for Bentleys?
Many Bentley owners may have to consider a car insurance company that specializes in exotic, luxury, or collector cars. While your exact needs will depend on the model and age of your Bentley, a specialty insurer will usually be able to properly insure it. What’s more, specialty or collector car companies often offer better rates for these types of cars than most standard insurance companies.
Some other benefits of using a specialty or collector insurance company for your Bentley include:
- Agreed value coverage: Standard insurance companies determine the maximum amount they will pay on a vehicle based on its purchase price and depreciation. But Bentleys may not depreciate like other cars, and in some cases, their value actually increases over time. An agreed-value policy pays out an amount that both you and your insurance company agree that the car is worth.
- Specialized coverage: Collector insurance companies may be able to offer special coverages that are only applicable to high-end cars, such as coverage for when your car is on display at a car show or protection for special parts.
An independent insurance agent has access to a wide variety of insurance companies. A local agent can help you find the right insurance company to protect your Bentley.
Why Do Insurance Costs Differ Between Bentley Models?
Car insurance costs differ by model depending on several factors.
Because Bentley models differ by size, safety features, purchase price, and more, insurance for each model will vary to reflect the level of risk.
Where Can I Get Bentley Insurance?
You may need to buy Bentley insurance from a company that specializes in covering luxury, exotic, or collector cars. These carriers may even offer better rates than standard insurance companies when it comes to Bentley insurance. Here are some top-rated companies that offer exotic car insurance:
An independent insurance agent in your area can help you find the best insurance company for your Bentley.
FAQs about Bentley Insurance
Yes, Bentley insurance is expensive. Our research shows that Bentley insurance is around $2,736 per year, on average. Your Bentley insurance costs will be above or below the average for the brand, depending on the model, model year, and your driving profile.
Bentleys are expensive to insure mainly because of their high value and high cost to repair or replace.
You can get Bentley insurance from some standard insurance companies and some specialty carriers that cover luxury, exotic, or collector cars. An independent insurance agent can help you find the best carrier for your needs.
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How Can an Independent Insurance Agent Help You Get Bentley Insurance?
You can get Bentley insurance by working with an independent insurance agent in your area. Independent agents can help you shop around and compare quotes from companies specializing in insuring luxury or exotic cars.
With access to numerous insurance companies nationwide, an independent agent can ensure you get the coverage you need for your Bentley.
https://www.valuepenguin.com/auto-insurance/luxury-car-insurance
https://www.finder.com/car-insurance/bentley-car-insurance-rates