Bentley Car Insurance

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. Since purchasing a Bentley is an extremely sizable investment, you’ll want to know how and where to properly insure your vehicle. Bentley insurance is itself an investment, though some models cost more to insure than others. 

You can get more information about Bentley insurance from an independent insurance agent who specializes in finding coverage for rare luxury vehicles. They can help you find coverage from an insurance company that specializes in coverage for high-end or collector cars. Until then, use our guide to Bentley insurance to compare average insurance costs by model.

What Is Bentley Insurance?

Bentley insurance is just a specific type of car insurance policy designed to cover Bentley vehicles. These policies include many of the same coverage options as those in standard auto policies. 

However, you may need some additional types of coverage to adequately protect your luxury vehicle. Bentley's custom parts can be quite pricey to repair or replace, and the vehicles overall have a much higher value, which can lead to expensive insurance rates.

Recommended coverage options for Bentley drivers:

• Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft. 
• Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault. 
• Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
• Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
• Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
• Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault. 
• Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.

It's likely that your state requires at least a few of these types of coverage. A local independent insurance agent can help you build a complete Bentley insurance policy that includes all the required coverage.

How Much Does Bentley Insurance Cost?

Bentley insurance costs an astounding average of $6,749 per year, or approximately $562 per month, for full coverage. Compared to the cost of car insurance for other luxury auto brands, such as Lincoln, Infiniti, BMW, Audi, Lexus, etc., Bentley's rates are considerably more expensive. Bentley insurance rates can be impacted by several factors, such as high vehicle sticker prices, costly custom parts, theft rates, safety scores, and more.

Bentley Insurance Costs by Popular Models

The specific model of Bentley you drive has a major impact on the cost of your auto insurance. Here are some average insurance rates for just a handful of popular Bentley insurance models to provide a better picture of the range of coverage costs. 

An independent insurance agent near you can help you find affordable car insurance for your specific model of Bentley. 

Are Bentleys Expensive to Insure?

Yes, Bentleys are very expensive to insure, even when compared to other luxury vehicle brands. Bentley insurance rates are higher than most due to the following factors:

• Vehicle value: Bentleys are not cheap to purchase, with ticket prices that can reach into the millions. The high value of Bentley vehicles is reflected in high insurance costs. If your Bentley were totaled, your insurance company would have 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 costs more to insure. 
• Theft and vandalism risk: Bentleys can be an attractive target for thieves and vandals, especially due to their high value and the resale value of their parts. To compensate for this risk, insurance companies charge higher premiums.

Even though Bentley has high average insurance premiums, an independent insurance agent can help you find the most affordable Bentley insurance in your area. 

What Other Factors Affect Bentley Insurance Costs?

The type of Bentley you drive certainly affects your car insurance rates, but so do other factors such as your location. The following can all influence the cost of your Bentley auto insurance:

• Your age, gender, and marital status
• Your credit score (where allowed)
• Your location
• Your driving history
• Your claims history
• The amount of coverage and deductible that you choose

Fortunately, most carriers also offer several car insurance discounts that can help you save money on your Bentley insurance premiums. An independent insurance agent can also help you find cheap Bentley insurance from a reputable carrier and apply any discounts you qualify for to reduce your rates even further. 

Add-On Protections Worth Considering for Your Bentley

It's worth considering additional protection for your Bentley, given its value. You may want to add some or all of the following types of coverage to your Bentley insurance policy:

• OEM parts coverage: This can pay the full cost to replace your vehicle's parts with genuine Bentley parts during the repair process. Bentley OEM parts insurance is essential to maintain the integrity of your luxury vehicle's repairs.
• New car replacement coverage: This can cover the cost of replacing your Bentley with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
• Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
• Bentley warranty insurance: This can extend Bentley's warranty coverage to help pay for the cost of future routine maintenance and repairs, where available. 
• Gap insurance: If you own a new or financed Bentley, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.

An independent insurance agent can help you add any extra coverage you desire to your Bentley insurance policy.

Best Car Insurance Companies for Bentley Owners

You spent a good amount of money on your Bentley, and now you want to protect it with the best coverage around. However, some carriers have better rates and reliability than others. That's why we've provided some of our top recommendations for the best Bentley insurance carriers and their average rates for luxury car insurance.

Keep in mind that these rates are for luxury car insurance, so coverage for your Bentley is likely to be more expensive, especially if you drive a higher-end model. 

How to Lower Your Bentley Insurance Premiums

Bentley insurance is expensive; there's no real way around it. However, you can take some steps to potentially reduce your auto insurance rates, such as the following:

1. Compare quotes from multiple carriers: When you shop and compare policies from multiple car insurance companies, you have a better chance of finding the most affordable coverage. A local independent insurance agent can complete this task for you.
2. Ask about Bentley insurance discounts: Common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, are offered by most car insurance companies.
3. Ask about telematics programs: Your insurance company or Bentley may offer telematics programs, such as those that track your driving habits or vehicle usage, to help possibly reduce your insurance rates.
4. Maintain a clean driving record: A driving record that's free of accidents, tickets, and other traffic violations can help you earn good driver discounts and potentially lower your premium rates.
5. Choose a higher deductible: Higher deductibles often mean lower premiums, but consider that you'll have to pay more out of your own pocket if you file a claim. 
6. Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Bentley.

Your independent insurance agent can help you find cheap Bentley insurance and reduce your premium rates as much as possible by applying any car insurance discounts you're eligible to receive. 

An Independent Insurance Agent Can Help You Get the Best Bentley Insurance Quotes

When it's time to find the most affordable, quality Bentley insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Bentley insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.

Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.

FAQs About Bentley Insurance