About $6,394 a year for full coverage on a national average — 344% more than the $1,438 average car. Insurers rate the Bentley Bentayga at an index of 444 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Comprehensive — theft, weather, vandalism, animals — carries this car's highest loss index at 907, while Property damage sits at 87. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 80 luxury suvs we hold data for, the Bentayga ranks #79 from cheapest, above the class median of 109. Against what the car is worth the bill looks different again: a 2017 Bentayga sells for a median $58,500, so a year of cover costs 10.9% of the car's value. Over 7 generations of data the index has fallen from 551 (2016-2018) to 445 (2022-2024). Calculated from 7 insurance-loss records and live US listing prices.
Why a Bentayga costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $6,394: Liability (BI + PD) $3,069 · Collision $1,790 · Comprehensive $767 · Other (UM / PIP) $767.
The Bentayga against its class
Every luxury suvs we hold insurance data for, cheapest to insure first. The Bentayga is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury SUVs), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 109, roughly $1,560 a year.
How it changed by generation
Insurance-loss index of the Bentayga across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Bentayga has become cheaper to insure over time (-107 points).
What a Bentayga costs by state
Where you park matters as much as what you drive. The Bentayga's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Bentayga est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Bentley Bentayga
Bentley Bentayga insurance — frequently asked
How much is insurance for a Bentley Bentayga?
About $6,394 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 444 applied to the US average premium.
Why is the Bentayga expensive or cheap to insure?
Its costliest area is Comprehensive (index 907), which covers theft, weather, vandalism, animals. Insurers set premiums from claim history like this, not from the sticker price.
Is the Bentayga cheaper to insure than rivals?
It ranks #79 of 80 in the luxury suvs class, where the median index is 109 against this car's 444. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 10.9% of what a 2017 Bentayga sells for (a median $58,500). Cheap cars often show a higher percentage even when the dollar premium is lower.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Bentayga can differ by hundreds between two drivers.