About $9,992 a year for full coverage on a national average — 595% more than the $1,438 average car. Insurers rate the Bentley Continental at an index of 695 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 1074, while Collision sits at 315. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 78 luxury cars we hold data for, the Continental ranks #78 from cheapest, above the class median of 138. Against what the car is worth the bill looks different again: a 2015 Continental sells for a median $61,500, so a year of cover costs 16.2% of the car's value. Over 14 generations of data the index has climbed from 207 (2004-2006) to 695 (2022-2024). Calculated from 31 insurance-loss records and live US listing prices.
Why a Continental 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 $9,992: Liability (BI + PD) $4,796 · Collision $2,798 · Comprehensive $1,199 · Other (UM / PIP) $1,199.
The Continental against its class
Every luxury cars we hold insurance data for, cheapest to insure first. The Continental is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 138, roughly $1,986 a year.
How it changed by generation
Insurance-loss index of the Continental 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 Continental has become more expensive to insure over time (+488 points).
What a Continental costs by state
Where you park matters as much as what you drive. The Continental's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Continental 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 Continental
Bentley Continental insurance — frequently asked
How much is insurance for a Bentley Continental?
About $9,992 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 695 applied to the US average premium.
Why is the Continental expensive or cheap to insure?
Its costliest area is Comprehensive (index 1074), which covers theft, weather, vandalism, animals. Insurers set premiums from claim history like this, not from the sticker price.
Is the Continental cheaper to insure than rivals?
It ranks #78 of 78 in the luxury cars class, where the median index is 138 against this car's 695. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 16.2% of what a 2015 Continental sells for (a median $61,500). 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 Continental can differ by hundreds between two drivers.