Best Bentley Car Insurance Rates in 2026

With price tags often exceeding $200,000, Bentley car insurance rates are usually higher than the national average. Luxury car insurance costs more than standard coverage for several reasons, but it’s primarily due to higher repair and replacement costs. While rates vary by numerous factors, auto insurance for a Bentley is often higher than many other luxury brands.

Read on to find the best car insurance policy for your Bentley. Then compare Bentley car insurance rates from as many companies as possible to find the lowest rates.

Bentley Car Insurance Rates

While several factors affect your car insurance rates, quotes for Bentley policies tend to be much higher than the national average. The average Bentley car insurance price is $228 per month, but you might see much different rates depending on your situation. The factors that affect your car insurance include:

• Age and gender
• Location
• Credit score
• Driving record
• Marital status
• Your Bentley model

Another important factor in your car insurance rates is how much coverage you want to buy. Since Bentleys are expensive cars, most drivers choose to compare the best full coverage car insurance policies. Full coverage costs more, but most drivers feel the extra coverage is worth it.

Finally, the model you buy will impact your rates. Generally speaking, the more your Bentley costs, the higher your insurance rates will be. The Continental GT is one of the most expensive Bentley models, so you should expect higher insurance rates.

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Best Types of Car Insurance for a Bentley

There are two main types of policies to consider when shopping for auto insurance for a Bentley — minimum and full coverage. Minimum insurance refers to the least amount of coverage your state requires drivers to buy. It’s your cheapest option for coverage, but it doesn’t protect your car.

Full coverage offers much better protection for your car but costs two to three times as much as minimum insurance. When you buy a full coverage policy, the following types of car insurance will be included:

• Liability: Liability car insurance pays for damage and injuries you cause in an at-fault accident. Most states require all drivers to carry a minimum amount of liability insurance.
• Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. If you want help with your repairs, you need collision car insurance.
• Medical payments/personal injury protection: For health care expenses after an accident, there’s medical payments or personal injury protection insurance. The type you can buy depends on your state.
• Uninsured/underinsured motorist: About 10% of all drivers go without car insurance. If someone without coverage hits you, uninsured motorist insurance will pay for your repairs and medical bills.
• Comprehensive: There’s a lot more than car accidents that can damage your vehicle. Comprehensive car insurance covers damage from fires, floods, extreme weather, vandalism, theft, and animals.

The type of policy you should buy depends on your vehicle. Drivers with older, less valuable vehicles often choose minimum insurance to help keep costs down. You’ll probably need full coverage if you have a loan or lease on your vehicle.

Since Bentleys are expensive luxury vehicles, many owners choose to protect them with full coverage even when they’re older. You can also purchase additional coverage to increase the value of your policy. Popular add-ons for Bentley drivers are Gap insurance, new car replacement coverage, and original equipment manufacturer (OEM) insurance.

Add-ons can significantly increase how much you’ll pay for your insurance. If you choose to purchase more coverage for your policy, you should only buy what you need. Here’s how to find car insurance coverage requirements in your state.

Tips to Find Low Bentley Car Insurance Rates

Bentleys are expensive cars and can easily cost over $200,000 to buy a new model. Because of these higher price tags, Bentley car insurance quotes are usually more expensive than other luxury brands.

Although coverage rates are usually high, there are ways to find affordable Bentley car insurance. Try the following tips to keep your insurance rates as low as possible for a Bentley:

• Raise your deductible. Insurance companies let you choose your deductible, usually in amounts between $500 and $2,000. Choosing a higher deductible will lower your car insurance rates, but you’ll have to pay more when you file a claim. Here’s how to find your car insurance deductible.
• Protect your car. You’ll pay a little less for insurance if you keep your Bentley in a safe spot every night, like a secured garage or private driveway.
• Look for car insurance discounts. The number of discounts a company offers is an important consideration when looking for a policy. Popular discounts include bundling policies, paying for your plan in full, and remaining claims-free.
• Try telematics. To help low-mileage, safe drivers save on their coverage, most companies offer usage-based car insurance programs. If you don’t mind your company tracking you, you can save up to 40% on your insurance by signing up.
• Drive safe. Avoiding traffic incidents is one of the most important ways to keep your rates low. Even a single speeding ticket can increase your rates by 25%.
• Lower your coverage. If your Bentley is older, you can save on your insurance by lowering your coverage. However, you should only lower your coverage if you’re comfortable with less protection for your Bentley.

Choosing the right amount of coverage is another important aspect of keeping your rates low. Since Bentleys are expensive cars, most drivers choose to buy more coverage. If you’re unsure how much coverage you need, an insurance representative can help.

A final step to take when looking for affordable car insurance is to compare quotes. Since insurance companies use unique formulas to craft your rates, looking at multiple companies is integral to finding the lowest quotes.

Find the Best Car Insurance for a Bentley Insurance Today

Known for craftsmanship and being built with the best materials on the market, Bentley is one of the most sought-after luxury brands. Unfortunately, Bentley’s large price tags mean you’ll have to pay more for car insurance.

Although Bentley car insurance rates are expensive, there are plenty of ways to save. One of the most important ways to find low Bentley insurance rates is to compare quotes with as many companies as possible. If you skip the comparison step, you’ll likely overpay for your insurance.