Best Bentley Car Insurance Rates in 2024 (Your Guide to the Top 10 Companies)
Discover the best Bentley car insurance rates with the top picks like Allstate, USAA, and AAA offering competitive pricing, with up to 24% discounts available. Discover why these companies are top choices for Bentley owners seeking affordable coverage. Compare quotes now to find the best deal for your Bentley.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Jul 19, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Bentley Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Bentley Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Bentley Car Insurance
A.M. Best Rating
Complaint Level
Pros & Cons
Discover the best Bentley car insurance rates with top providers like Allstate, USAA, and AAA, offering competitive pricing and up to 24% discounts. Luxury car insurance for Bentleys is higher due to expensive repair costs, comparing quotes is essential.
Read More: What cars will increase the cost of insurance?
Bentley car insurance rates are higher due to their price tags exceeding $200,000, with luxury status and expensive repair costs. Despite variations, Bentley auto insurance is generally pricier than other luxury brands.
Our Top 10 Company Picks: Best Bentley Car Insurance Rates
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Replacement Coverage Allstate
#2 10% A++ Military Benefits USAA
#3 25% A Customizable Plans AAA
#4 25% A++ Discount Options Geico
#5 12% A+ Bundling Discounts Progressive
#6 8% A++ Flexible Policies Travelers
#7 20% A Minimal Complaints American Family
#8 25% A High-Risk Drivers Liberty Mutual
#9 20% A+ Safe Driving Nationwide
#10 20% B Affordable Rates State Farm
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- Bentley car insurance rates are higher due to luxury status and costly repairs
- Full coverage is recommended for Bentley owners due to high repair costs
- Allstate offers competitive pricing with up to 24% discounts
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#1 – Allstate: Top Overall Pick
Pros
- Wide Range of Discounts: Offers multi-policy, safe driver, and anti-theft discounts.
- Digital Tools and Mobile App: Allstate car insurance review shows Allstate’s user-friendly tools for managing policies and claims.
- Financial Stability: Strong reputation for financial stability and customer service.
Cons
- Higher Cost for Some: Can be more expensive, especially for high-risk drivers.
- Claims Process: Claims may not always be as streamlined as competitors.
#2 – USAA: Best for Military Benefits
Pros
- Excellent Customer Service: High satisfaction ratings for customer service.
- Military Focus: Specialized coverage and discounts for military members and families.
- Competitive Rates: As mentioned in our USAA car insurance review, the company offers competitive rates and strong financial stability.
Cons
- Eligibility Requirements: Only available to military members, veterans, and their families.
- Limited Locations: Fewer physical branch locations for in-person service.
#3 – AAA: Best for Customizable Plans
Pros
- Variety of Insurance Products: As mentioned on AAA car insurance review, the company offers a range of insurance products and member discounts.
- Roadside Assistance: Strong roadside assistance and additional benefits for members.
- Customer Service: Good customer service and local agent support.
Cons
- Membership Fees: Membership fees are required to access insurance and other AAA services.
- Competitiveness in Pricing: May not always have the lowest rates compared to other insurers.
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#4 – Geico: Best for Discount Options
Pros
- Competitive Pricing: Offers competitive rates and a variety of discounts.
- Ease of Use: Simple online tools and processes for managing policies.
- Financial Stability: Geico car insurance review highlights the company’s strong reputation for financial stability.
Cons
- Customer Service: Mixed reviews on customer service experiences.
- Limited Personalized Service: Less personalized service compared to agents at other companies.
#5 – Progressive: Best for Bundling Discounts
Pros
- Name Your Price Tool: Unique tool for customizing coverage based on budget.
- Snapshot Program: Usage-based insurance program for potential discounts.
- Large Network: Progressive car insurance review reveals the company’s wide network of service centers and availability.
Cons
- Claims Processing: Some customers report issues with claims processing.
- Cost: Premiums may be higher for certain demographics and locations.
#6 – Travelers: Best for Flexible Policies
Pros
- Customizable Policies: In our Travelers car insurance review, learn the flexible coverage options and endorsements available.
- Strong Financial Ratings: Excellent financial stability and credit ratings.
- Specialized Coverages: Provides specialized insurance for high-value homes and vehicles.
Cons
- Customer Service: Mixed reviews regarding customer service experiences.
- Limited Discounts: Fewer discounts compared to other insurers.
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#7 – American Family: Best for Minimal Complaints
Pros
- Personalized Service: Local agents provide personalized service and support.
- Bundle Discounts: American Family car insurance review highlights the discounts for bundling home and auto policies.
- Innovative Programs: Includes programs like Teen Safe Driver for young drivers.
Cons
- Cost: Premiums may be higher compared to some competitors.
- Limited Availability: Limited availability in some regions.
#8 – Liberty Mutual: Best for High-Risk Drivers
Pros
- Wide Range of Coverage Options: Offers extensive coverage options and endorsements.
- Tech Savvy: Innovative tools like Home Gallery® App for documenting belongings.
- Discounts: Various discounts available, including for newly purchased homes and multi-policy. For more information, read our Liberty Mutual car insurance review.
Cons
- Claims Handling: Some customers report delays in claims processing.
- Cost: Premiums may be higher compared to competitors.
#9 – Nationwide: Best for Safe Driving
Pros
- Multi-policy Discounts: Offers discounts for bundling home and auto policies (Read More: Nationwide Car Insurance Discounts).
- Vanishing Deductible: Feature that reduces deductibles for safe driving.
- On Your Side® Review: Comprehensive review of policies to ensure adequate coverage.
Cons
- Customer Service: Mixed reviews regarding customer service experiences.
- Cost: Premiums may be higher in some regions.
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#10 – State Farm: Best for Affordable Rates
Pros
- Local Agents: Our State Farm car insurance review highlights the extensive network of local agents for personalized service.
- Steer Clear® Program: Young driver program that can lead to discounts.
- Drive Safe & Save™ Program: Usage-based insurance program for potential discounts.
Cons
- Cost: Premiums may be higher compared to some competitors.
- Limited Discounts: Fewer discounts compared to other insurers.
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.
Bentley Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $32 $86
Allstate $61 $160
American Family $44 $117
Geico $30 $80
Liberty Mutual $68 $174
Nationwide $22 $59
Progressive $39 $105
State Farm $33 $86
Travelers $37 $99
USAA $44 $115
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.
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.
Allstate offers the best Bentley car insurance rates starting at $160 per month, providing competitive prices, extensive coverage options, and excellent customer service.
Brad Larson Licensed Insurance Agent
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.
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Tips to Find Low Bentley Car Insurance Rates
Bentleys are expensive cars and can easily cost over $200,000 to buy a new model, resulting in higher insurance costs compared to other luxury brands. However, there are ways to find affordable Bentley car insurance. One effective strategy is to raise your deductible.
Insurance companies allow you to choose your deductible, typically ranging from $500 to $2,000. Opting for a higher deductible can lower your car insurance rates, though you will have to pay more out of pocket when filing a claim.
Another way to potentially reduce insurance costs is by protecting your car. Keeping your Bentley in a secure location overnight, such as a secured garage or private driveway, may qualify you for lower insurance premiums. Additionally, it’s worth exploring car insurance discounts. Many insurers offer discounts for bundling policies, paying your plan in full, and maintaining a claims-free history.
Telematics is another option to consider. Many companies provide usage-based car insurance programs that reward low-mileage, safe drivers with lower premiums. By agreeing to have your driving habits monitored, you could save up to 40% on your insurance.
Driving safely is crucial for keeping insurance rates down. Avoiding traffic incidents and violations is one of the most effective ways to maintain lower premiums. Even a single speeding ticket can increase your rates significantly.
If your Bentley is older, you might also consider lowering your coverage to save on insurance costs. However, this should only be done if you’re comfortable with reducing the level of protection for your car.
Choosing the right amount of coverage is important as well. Since Bentleys are high-value vehicles, many drivers opt for more coverage. If you’re unsure how much coverage you need, an insurance representative can assist you in determining the appropriate level.
Finally, comparing quotes from multiple insurance companies is essential when seeking affordable car insurance. Each insurer uses its own formula to determine rates, so shopping around can help you find the lowest quotes available.
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.
Read More: Best Insurance for Luxury Cars
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.
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
Are Bentley car insurance rates generally higher than other car brands?
Generally, Bentley car insurance rates tend to be higher compared to many other car brands. This is primarily due to the luxury nature and high value of Bentley vehicles, which can make repairs and replacement costs more expensive for insurance companies.
What factors affect Bentley car insurance rates?
Several factors that affect car insurance rates. These may include the model and year of the Bentley, the driver’s age, driving history, location, annual mileage, and the level of coverage desired.
How can I find the best Bentley car insurance rates?
To find the best Bentley car insurance rates, consider shopping around. Compare quotes from multiple insurance providers to ensure you get the most competitive rates.
Are Bentley car insurance rates higher for new models compared to older ones?
Generally, Bentley car insurance rates for newer models tend to be higher due to their higher value and cost of repairs. Older Bentley models may have lower insurance rates as their value depreciates over time. However, factors like the vehicle’s safety features and historical accident rates for the specific model can also influence insurance rates.
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Does the location where I live affect Bentley car insurance rates?
Yes, the location where you reside can impact Bentley car insurance rates. If you live in an area with higher incidents of theft, vandalism, or accidents, insurance rates may be higher. Urban areas generally have higher rates compared to rural areas due to increased traffic and potential risks.
Are there specific types of coverage that are recommended for Bentley owners?
Yes, for Bentley owners, best full coverage car insurance is often recommended. This includes comprehensive and collision coverage, which protect against damage to your vehicle from accidents, weather events, theft, and vandalism. Given the high value of Bentleys, full coverage helps ensure your investment is adequately protected.
Is it necessary to have additional coverage beyond the standard full coverage for a Bentley?
Depending on your circumstances, additional coverage options may be beneficial. Popular add-ons for Bentley owners include gap insurance, which covers the difference between what you owe on a lease or loan and the car’s current value, new car replacement coverage, and original equipment manufacturer (OEM) parts coverage. These options can provide extra peace of mind and protect your Bentley’s value.
Are Bentley car insurance rates higher for newer models compared to older ones?
Yes, generally, Bentley car insurance rates are higher for newer models. This is because newer Bentleys have higher market values and more expensive parts, which increase repair and replacement costs for insurers. Older Bentleys, on the other hand, may have lower insurance rates as their value depreciates over time, though the specific model’s safety features and historical accident rates can also influence rates.
Are there specific discounts available to lower Bentley car insurance rates?
Yes, several insurance companies offer discounts that can help reduce Bentley car insurance premiums such as multiple policy car insurance discounts (insuring multiple assets like home and car with the same company), paying premiums in full, maintaining a claims-free history, and utilizing telematics devices for safe driving discounts. These discounts can add up to significant savings on your Bentley car insurance.
How can I lower my Bentley car insurance rates without compromising coverage?
To lower Bentley car insurance rates without compromising coverage, consider raising your deductible, taking advantage of available discounts such as bundling policies or maintaining a claims-free history, and parking your Bentley in a secure location. Additionally, driving safely and avoiding traffic incidents can help maintain lower premiums.
Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.