In the workaday world of car insurance, we insure everyday rides like 4-door sedans, vans, trucks, and 2-door roadsters. This is all well and good, but as car enthusiasts and car insurance superheroes at heart, we’ve often wondered what would happen if the Caped Crusader came to us for a quote on his newest ride, the Tumbler.
Could we insure the Batmobile? And how much would it cost?
To determine risk and insurability, car insurance companies consider the driver’s personal info as well as the vehicle specs. Here are a few factors that will influence Batman’s final car insurance premium:
Age: 30 ish
Though his true identity is hidden, most would guess that Batman is at least 30. And since it’s been statistically proven that drivers over the age of 25 have more experience and are generally safer behind the wheel, the Dark Knight can expect to benefit from lower car insurance premiums.
Location: Gotham City
Neighborhood crime rate and claims statistics affect car insurance premiums. And with villains like Harvey Two Face, the Penguin, and Catwoman wreaking havoc in Gotham City, Batman’s ZIP Code definitely puts him on the higher end of the car insurance premium spectrum.
Driving record: Spotless
If you’re Gotham City’s best hope for fighting crime, you have to break a few driving laws to catch the bad guys. But wearing a mask makes it hard for the 5-0 to know who to write a ticket to. And having Commissioner Gordon on your side certainly helps if you want to make some speeding tickets go away. So congrats, Batman, on a spotless driving record.
Annual mileage: 5k
Since the Batmobile’s only used on crime-fighting expeditions, Batman can expect a discount for low annual mileage.
Occupation: Caped Crusader
Although some occupations score drivers car insurance discounts, others make them riskier to insure. Needless to say, “superhero” would put Batman in the highest-risk category.
Type: Custom-built Hummer-size Lamborghini
Seat capacity: 2
Engines: Jet engine(!) and a 5.7 liter Chevy V-8 engine
Modifications: Radar-evading controls, armor plating, landing hook, and front-firing machine guns (it definitely qualifies for the Anti-theft discount)
Top speed: Up to 110 mph (can also jump 6’ vertically and 40’ horizontally)
Value: Approximately $250,000
We hate to say it, but Batman’s occupation and driving habits definitely put him in the almost-impossible-to-insure category.
But if Batman were to decommission his ride from crime fighting and use it on scenic Sunday drives, at superhero conventions, or other similar events, he might be able to obtain collector car insurance from our partner Hagerty.
A quick quote based on the Tumbler’s specs and Bruce Wayne’s bio reveals that car insurance for the Dark Knight would only cost $6,249 a year — which is a small price considering Batman’s billions.