Best Aston Martin Car Insurance Rates in 2024

Even among other luxury car brands, Aston Martin stands out. Aston Martin prides itself on selling cars with style, performance, luxury, and exclusivity. Luxury car insurance is always expensive, but Aston Martin’s expensive price tags mean your insurance rates will be even higher.

Although Aston Martins have higher insurance rates, that doesn’t mean you’re stuck with these high prices. There are plenty of ways to save on car insurance, including enrolling in a usage-based insurance program and finding discounts.

Read on to learn where to find Aston Martin car insurance rates that won’t break the bank. Then, compare rates with as many companies as possible to find the perfect policy for your Aston Martin.

How much is car insurance for an Aston Martin?

Finding affordable coverage for an Aston Martin can be difficult for a few reasons. First, luxury cars always have higher rates because they cost more to repair and replace. Aston Martins are made with the finest materials and latest technologies, all of which your insurance company has to pay for if you need to make a claim.

Aston Martins are also more expensive than many other luxury brands. For example, when you compare Mercedes-Benz car insurance policies, you may find that they will not cost as much as Aston Martin coverage.

The average Aston Martin driver pays about $225 a month for car insurance. However, the model you buy will significantly impact your rates. For example, you can expect to pay much more for an Aston Martin Rapide than a V8.

What types of car insurance should you buy for an Aston Martin?

When you’re ready to buy car insurance, drivers look for two main types of policies — minimum car insurance required by state and full coverage insurance.

Minimum insurance is the least amount of coverage you can buy in your state and still legally drive or register your car. Requirements vary by state, but most include liability insurance. Minimum insurance is your cheapest option for coverage, but it leaves you financially exposed if something damages your car.

Full coverage costs more, but it offers better protection. Full coverage is a suite of insurance types, including liability, comprehensive, collision, uninsured/underinsured motorist, and either personal injury protection or medical payments coverage.

Before you decide which policy is best for your Aston Martin, you should understand what each type of coverage does. The basic types of coverage include:

• Liability: Liability insurance pays for injuries and damages you cause in an at-fault accident. Most states require liability insurance so drivers won’t be financially crippled when someone else hits them. Comparing liability car insurance coverage can also be a great way to save money on your policy.
• Comprehensive coverage: Car accidents usually come to mind when you think about damage to your vehicle, but that’s not your only risk. Comprehensive car insurance protects you from extreme weather, fire, theft, vandalism, animals, and floods.
• Collision coverage: If you want your insurance to pay for your car repairs after an at-fault accident, you need collision insurance. Collision car insurance covers damage caused by an accident and also pays for damage if you hit an object like a parked car.
• Uninsured/underinsured motorist: While most states have insurance laws, some people drive without coverage. Uninsured motorist insurance protects you if you’re hit by someone without enough insurance or the victim of a hit-and-run.
• Personal injury protection/medical payments: Depending on where you live, you can add medical payments or personal injury protection to your policy. These coverages pay medical bills for you and your passengers.

Most insurance companies sell these types of coverage to meet drivers’ needs. Whether you have a used or brand-new Aston Martin, full coverage is often your best insurance option. Aston Martins are valuable cars most drivers want to protect, so full coverage is a popular choice.

Many drivers elect to add more coverage to their policy. Add-on availability varies by company, but some popular choices include rental car reimbursement, gap insurance, and roadside assistance.

What factors affect car insurance rates for an Aston Martin?

No matter if you drive a classic car or the latest Aston Martin, there are going to be factors that affect car insurance rates. Before you pick a policy, understanding these factors can be helpful. Insurance companies look at the following factors when determining your rates:

• Age and gender: Insurance companies carefully track who makes claims and causes accidents. Young drivers and men pay more for coverage because they are statistically more likely to drive recklessly and file claims.
• Location: Where you live plays a huge role in your insurance rates. Some states see higher prices than others because of increased traffic, car thefts, extreme weather, and accidents.
• Your car: The age, model, and title history of your car are all important factors for your rates. Newer cars tend to have higher rates because they cost more to repair or replace.
• Driving history: Insurance companies are all about assessing risk. One of the best ways to tell how risky a driver is to insure is to look at their driving record. The more incidents in your record, the more you’ll pay for insurance.
• Credit score: While it surprises many, insurance companies can look at your credit score in most states. The lower your credit score, the more you’ll pay for auto insurance.
• Marital status: Married people file fewer claims than their single counterparts, so they pay a little less for coverage.

Another important factor in how much you’ll pay for insurance is how much you need. For example, Aston Martin drivers usually elect the most coverage and highest limits available. This protects your vehicle better but also means you’ll pay much more for insurance.

How can you save money on Aston Martin Insurance?

Aston Martin auto insurance is always more expensive because they’re luxury sports cars. Compared to less expensive luxury brands like BMW or Mercedes-Benz, Aston Martins are particularly pricy vehicles and have matching insurance rates.

Although rates are high, you have a few options to save. Try the following money-saving tips to keep your insurance as low as possible:

• Increase your deductible. Your car insurance deductible is the portion you must pay before your insurance kicks in. You lower your monthly rates by choosing a higher deductible, but you’ll have to pay more out-of-pocket.
• Enroll in telematics. Most companies offer usage-based car insurance programs to help low-mileage and safe drivers save money. These programs track your driving and allow you to save up to 40% on your insurance.
• Find discounts. Popular car insurance discounts for Aston Martin drivers include remaining claims free, bundling policies, and paying for your entire policy at once.
• Keep your car safe. The safer you keep your vehicle, the lower your insurance rates will be. Aston Martins have several safety features, so you’ll automatically see a few savings.
• Keep your record clean. Does a speeding ticket affect car insurance rates? Yes, and your rates will also dramatically increase with an at-fault accident or a DUI. A simple way to keep your rates low is to avoid adding driving incidents to your record.

Looking at as many companies as possible when searching for car insurance is essential. Although companies look at the same factors, they have unique formulas. That means some companies will have more favorable rates than others. If you don’t compare your options, you’ll probably overpay for car insurance.

Find the Best Aston Martin Car Insurance Quotes Today

Aston Martin is a dream brand for many drivers and for a good reason. With sleek designs, cutting-edge technology, and a high-performance ride, Aston Martin earns its spot as a top luxury car. Unfortunately, Aston Martin’s hefty price tags mean you’ll pay more for your car insurance.

Although the average Aston Martin driver pays well over $200 a month for car insurance, there are ways to find affordable rates. The best way to ensure you aren’t overpaying for your car insurance is to compare car insurance quotes from as many companies as possible.