Best Aston Martin Car Insurance Rates in 2024 (Your Guide to the Top 10 Companies)

Progressive, Geico, and State Farm have some of the best Aston Martin car insurance rates.

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.

Our Top 10 Company Picks: Best Aston Martin Car Insurance Rates

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 with our free tool to find the perfect policy for your Aston Martin.

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#1 – Progressive: Top Pick Overall

Pros

• Online Convenience: Aston Martin owners should be able to do most policy tasks online.
• Coverage Options: Aston Martin customers can purchase several optional add-on coverages. Learn more in our Progressive review.
• UBI Program: Aston Martin drivers who join the UBI discount program have the opportunity to reduce their rates.

Cons

• UBI Rate Increases: Progressive’s UBI program raises Aston Martin insurance rates for poor driving performances in some states.
• Customer Reviews: Progressive could still improve its customer service ratings.

#2 – Geico: Best for Cheap Rates

Pros

• Cheap Rates: Geico offers some of the most affordable rates for Aston Martin drivers with clean driving records.
• Financial Rating: The company’s excellent finances make it a highly rated company. Learn more in our Geico car insurance review.
• User-Friendly Online Tools: Make online changes to your Aston Martin policy easily at Geico.

Cons

• Agent Interaction: Interactions are mostly virtual due to the lack of agents available.
• Gap Insurance: The lack of gap insurance could be a dealbreaker if your Aston Martin is brand new.

#3 – State Farm: Best for Many Discounts

Pros

• Many Discounts: Several discounts can help drivers save on Aston Martin insurance. Learn more in our State Farm review. 
• Agent Network: Local assistance is available in most areas for Aston Martin insurance.
• Coverage Options: Aston Martin owners will have several options for their policies

Cons

• Online Functions: Local agents help with most policy tasks, limiting online capabilities.
• DUI Rates: Aston Martin owners with a DUI will have more expensive costs.

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#4 – Allstate: Best for Add-On Coverages

Pros

• Add-On Coverages: Allstate has a great array of extras for Aston Martin owners. Learn more by reading our Allstate review.
• Pay-Per-Mile Rates: Coverage specifically for low-mileage drivers. Learn more in our Allstate Milewise review.
• Online Convenience: Add a new Aston Martin car, file claims, and much more.

Cons

• Customer Reviews: Allstate struggles with numerous dissatisfied customer reviews.
• High-Risk Rates: Allstate’s rates are best for Aston Martin drivers with clean driving records.

#5 – USAA: Best for Military Savings

Pros

• Military Savings: Coverage is sold exclusively to military and veterans, allowing USAA to keep rates affordable.
• SafePilot: A UBI discount program that’s great for safe drivers who own Aston Martins.
• Customer Service: Very highly rated by the majority of USAA customers.

Cons

• Eligibility: USAA’s military focus means only veterans or the military can buy coverage for their Aston Martins.
• Add-On Coverages: USAA’s coverage options are fewer than those of other companies. See what coverages are available in our USAA review.

#6 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Safe drivers could avoid rate increases on their Aston Martin insurance policy.
• IntelliDrive Program: Participating in this UBI program could reduce car insurance rates for Aston Martins.
• Coverage Variety: Aston Martin owners can select several extras for their policies. Read more in our Travelers review.

Cons

• Limited Local Agents: Most assistance is offered virtually.
• IntelliDrive Rates: Poor driving performances in the program could raise Aston Martin rates.

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#7 – Mercury: Best for Deductible Reduction

Pros

• Deductible Reduction: Deductibles are reduced at Mercury for claims-free customers.
• Online Quotes: See how much your Aston Martin insurance will cost with an online quote (learn more: How do you get a mercury car insurance quote online?).
• Discount Variety: Mercury has several opportunities for drivers to save.

Cons

• Availability: Mercury is not widely available to Aston Martin owners.
• Coverage Options: Mercury doesn’t have as many add-ons as its competition.

#8 – Farmers: Best for Local Agents

Pros

• Local Agents: Aston Martin customers should be able to find a local agent if they prefer personalized assistance.
• Coverage Options: Find out what policy options are available to Aston Martin drivers in our Farmers review.
• Discount Variety: Farmers has discounts for good driving, going paperless, and more.

Cons

• Online Functions: Some online capabilities may be reduced at Farmers.
• Customer Satisfaction: There are mixed ratings regarding Farmers’ customer service.

#9 – Safeco: Best for Exclusive Benefits

Pros

• Exclusive Benefits: Safeco has benefits like a repair network, cashback for being claims-free, and more. Find out more in our Safeco review.
• Coverage Options: Aston Martin owners can purchase roadside assistance, rental car reimbursement, and many other extras.
• Bundling Discount: Purchase more than Aston Martin insurance for a discounted rate.

Cons

• Customer Service: Has a few poor ratings from customers.
• Discount Variety: Has a few fewer discounts than its competition.

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#10 – American Family: Best for Student Savings

Pros

• Student Savings: Young drivers can save with student discounts at American Family.
• Loyalty Discounts: Sticking with the company will pay off for Aston Martin owners.
• Coverage Options: Add a personalized selection of coverages to your Aston Martin policy. Find out more in our American Family review.

Cons

• Availability: Sales are limited to certain states.
• High-Risk Rates: Aston Martin drivers with clean driving records will receive the best prices.

Aston Martin Car Insurance Rates

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 the best Mercedes car insurance rates, you may find that they will not cost as much as Aston Martin coverage.

How much is car insurance for an Aston Martin? 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.

Factors That Affect Aston Martin Car Insurance Rates

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.

Car Insurance Coverages for Aston Martins

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. Take a look at the average cost of these two coverages for Aston Martin’s below.

Aston Martin Car Insurance Monthly Rates by Coverage Level & Provider

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.

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.

 

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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.

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How to Save on Aston Martin Car 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. To start, look for discounts. Popular car insurance discounts for Aston Martin drivers include remaining claims free, bundling policies, and paying for your entire policy at once.

As well, try the following money-saving tips to keep your insurance as low as possible:

• Increase Deductibles: 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.
• Keep Cars 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 Records 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. You can get Aston Martin insurance quotes directly from companies like Progressive or use a free quote comparison tool.

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, especially if you are purchasing the best car insurance for specialty cars like Aston Martins.

Although the average Aston Martin driver pays well over $200 a month for car insurance, there are ways to find affordable Aston Martin car insurance 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.

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