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Released in 2009 at the Frankfurt Motor Show, the Rolls-Royce Ghost is a high-end luxury sedan designed as a more realistic alternative to the $450,000 Rolls-Royce Phantom. We don’t know about that “more realistic” part, but it’s considered Rolls-Royce’s entry-level car that starts at a cool $250,000.
According to our research, car insurance for a Rolls-Royce Ghost costs about $428 a month or $5,138 a year. This quote is roughly four times the national average of $1,318, making the Ghost one of the most expensive cars to insure.
A 2018 Rolls-Royce Ghost starts at a base price of more than $250,000, with an average annual insurance rate of $5,138.
| Model | Monthly insurance rate | Base car price |
|---|---|---|
| Ghost | $428 | $250,000 |
| Phantom | $1,427 | $420,325 |
| Wraith | $1,083 | $317,700 |
| Cullinan | $350,000 |
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The Rolls-Royce Ghost costs more to insure because it requires specialty providers to receive coverage. Also, this cars exclusivity means hard to find parts and a high cost to repair.
With a car worth upward of $250,000, it’s clear you’ll want the right coverage to protect it. When shopping with major providers or delving into smaller insurance companies, look out for:
The Ghost’s exorbitant price tag and exclusivity are major reasons why insuring it is so expensive. Your cost will vary depending on your age, gender, location, driving history and other factors.
Where you live and who you are can influence the cost of car insurance, but the vehicle you drive plays a much larger role. This is because performance, theft rates, repair costs, safety ratings and other factors vary among makes and models.
With high-end luxury vehicles like a Rolls-Royce, you can bet that providers will think about:
Aside from scoring a new car discount, you could save money on car insurance for your Rolls-Royce Ghost thanks to safety features that include:
As of July 2018, you won’t find official safety ratings for your 2018 Rolls-Royce Ghost from the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration. Because the Ghost is a high-end vehicle produced in small batches, there isn’t enough data for official reliability ratings from major sources.
You’ll find one recall for the 2018 Rolls-Royce Ghost, with the manufacturer warning that head airbags may not fully inflate, potentially increasing the risk of injury in an accident. However, none of the three vehicles affected by this recall were sold to customers, so dealers inspected and replaced the head airbag as necessary.
Given its price tag and clientele, you can expect to rely on the Ghost with little maintenance, and routine service appointments can reduce the chances of unexpected issues.
If you’re the kind of driver with the means to afford a Rolls-Royce, potential drawbacks will likely not be an issue:
The Ghost comes with a four-year, unlimited-mileage regional warranty. This means your vehicle and service appointments are optimized for its environment. The standard warranty covers servicing, repairs, maintenance and vehicle components to ensure your vehicle spends less time in the shop and more time on the road.
Rolls-Royce offers an extended warranty called the Rolls-Royce Service Inclusive, available in two-, three- or five-year terms. If purchased, it becomes active after the initial four-year warranty. Considering this vehicle’s price tag and cost of repairs, the extended warranty might save you money in the long run.
Introduced in 2009, the Rolls-Royce Ghost is a four-door sedan released as a more reasonable alternative to the $450,000 Rolls-Royce Phantom. This vehicle features some of the most advanced technology and design considerations available, making it a desirable choice for those looking for the best luxury vehicle that money can buy.
Rolls-Royce prides itself on bespoke vehicles, with many customers personalizing their Ghost with colors and trim to fit their unique tastes.
The Rolls-Royce Ghost is among the top luxury vehicles on the market today, with a price tag to match. Given its value and limited production numbers, insurance can be expensive.
Maintenance and repairs on this vehicle are also costly, making the right coverage an important part of recovering from an accident. Compare your insurance options to find the best rates on the coverage your Rolls needs.
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