Bentley Continental GT Auto Insurance Rates

Bentley Continental GT auto insurance rates average between $270-$390 per month, depending on your driving record and where you live. Luxury vehicles are more expensive to insure, but many companies offer classic and collector policies to drivers to help lower Bentley Continental GT insurance costs. However, these policies have restrictions that often limit how often you can drive your Bentley and where it can be garaged.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jan 28, 2022

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Can't-Miss Facts

  • Bentley Continental GT auto insurance rates average $390/mo
  • Most insurance companies offer classic or collector car insurance for the Bentley Continental GT
  • Shopping around with multiple companies is the easiest way to find affordable Bentley Continental GT insurance rates

If you’re eyeing the brand new Bentley Continental GT, make sure you have the right auto insurance coverage before you hit the road. Even an older or classic Bentley will need more than a standard policy, and this luxury coverage will raise your Bentley Continental GT insurance rates.

Luxury auto insurance rates will climb even higher if you add additional coverages, including roadside assistance or new car replacement. Read our guide to find the cheapest Bentley Continental GT insurance quotes and compare multiple luxury car insurance quotes for free.

If you need to find more affordable Bentley Continental GT auto insurance today, enter your ZIP code above to start comparing quotes from local companies for free.

How much does it cost to insure a Bentley Continental GT?

Bentley auto insurance rates average between $150 and $450 per month. Bentley Continental GT insurance rates lean more toward the upper price range. 

How much is insurance on a Bentley Continental? You could end up paying between $270-$390 per month for Bentley Continental GT insurance.

If you’re a younger or inexperienced driver, expect your Bentley insurance rates to double. The same applies if you have an accident on your record or recently filed an auto insurance claim. Other factors that affect your car insurance premiums include:

  • Where you live
  • Your credit history
  • How far you drive

If your Bentley is your primary vehicle, you may also see an increase in your rates.

Is insurance expensive for a Bentley?

Yes, Bentley insurance is more expensive than standard auto insurance because Bentley is considered a luxury vehicle. Luxury car insurance rates are automatically higher to compensate for the MSRP price of the Bentley Continental series and the increased cost to repair them.

But when you compare it to other luxury vehicles, the average insurance cost for a Bentley Continental GT ($390/mo) is on par with the Mercedes Benz 550 S-Class ($390/mo) and the BMW 740i ($385/mo).

How can I lower my Bentley Continental GT auto insurance rates?

Maintaining a good driving record is one way to get the cheapest Bentley insurance rates. Buying the right amount of coverage will also keep your costs affordable, especially in the event of an accident. 

Knowing your state’s minimum car insurance requirements is a good place to start before you buy Bentley Continental GT insurance. Some state laws require drivers to carry personal injury protection (PIP) or uninsured motorist insurance (UMI), which can raise your rates. But you can keep your Bentley insurance costs low by opting out of this coverage if you can.

Auto insurance discounts will also lower your rates. Using additional anti-theft devices can lower high Bentley insurance costs. Or, try bundling your luxury auto policy with your homeowners insurance to qualify for hefty bundling discounts.

But what’s the easiest way to lower your Bentley Continental GT insurance costs? First, shop around with multiple companies. Get quotes from at least three different companies before you buy. Each auto insurance company classifies luxury vehicles differently, meaning your rates can vary wildly depending on which companies are available in your area.

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Who insures Bentleys?

Fortunately, finding an affordable Bentley Continental GT auto insurance company is easy. Many of the top insurance companies in the country provide classic and collector car insurance for luxury vehicles, including State Farm and GEICO

Take a look at the table below to see the market share and A.M. Best ratings of the top companies offering Bentley Continental GT insurance coverage:

Auto Insurance CompanyMarket ShareA.M. best Rating
State Farm16.73%A++
Allstate9.88%A+
Progressive9.71%A+
GEICO9.49%A++
USAA6.41%A++
Travelers2.76%A++
Erie1.44%A+
Hagerty--A

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State Farm has the largest market share and a strong financial rating, but that doesn’t necessarily mean it’s the best company for you. It’s important to compare multiple insurance quotes from companies that insure Bentleys to get the best rates. Taking a closer look at each of these companies will help you find an insurer that meets your needs.

For example, Hagerty may not have a big footprint in the insurance industry based on market share. Still, it is one of the best providers of collector and luxury car insurance policies. It also recently entered the public market with investments from Adel Financial and State Farm that could expand its market share in the future.

How do companies determine Bentley Continental GT insurance rates?

To find the most affordable Bentley Continental GT insurance company, research how these insurers define luxury vehicles. Most companies, including the ones listed above, offer classic car insurance policies to cover luxury vehicles like Bentley, Mercedes, Lamborghini, and more. 

Classic auto policies provide coverage with an agreed value you and the insurer decide on when underwriting the policy. This means that your Bentley Continental GT auto insurance quotes will depend on several different criteria, including:

  • Vehicle MSRP price
  • Vehicle year
  • Vehicle value (it must increase as the car gets older)

Depending on the company you choose, your Bentley and driving record may need to meet certain requirements to be eligible for coverage, including:

  • The vehicle must be stored in a garage or enclosed and locked facility
  • Drivers cannot race vehicles or have been charged with street racing in the past
  • Drivers must be 25 or older
  • The vehicle’s value is above a certain amount (usually $100,000 or more)

Other companies have stricter requirements, often limiting how much policyholders can drive their Bentleys. More require drivers to list at least one other regular-use vehicle before buying a Bentley Continental GT insurance policy.

How To Find Affordable Bentley Continental GT Insurance Rates

Collector and luxury car insurance policies afford the Bentley Continental GT the unique kind of coverage it needs to keep you financially protected. With an agreed value insurance policy, you know you’re guaranteed to receive repairs or a payout worthy of the worth of your vehicle, something a standard policy cannot provide.

Paying higher Bentley Continental GT insurance rates to get the distinct coverage your luxury vehicle requires is worth the investment for many drivers. However, if you have specific coverage needs, read over your policy options carefully and don’t hesitate to call your top choices to get Bentley Continental GT auto insurance quotes directly.

You can start here by comparing Bentley Continental GT insurance quotes for free from multiple companies. So give us a call or enter your ZIP code below to get free auto insurance quotes today.

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