Key Takeaways
Land Rover is a car brand that has been ruling the market for over seventy years. The legacy of this car is undeniable, and its performance is unmatched. Still, have you ever wondered about the Land Rover car insurance cost? Are there affordable premiums to insure a Land Rover? To answer all your questions, we'll cover everything about the best insurance rates for Land Rover car models.
The average annual cost to insure a Land Rover is $2,318, which comes to about $193 per month. Land Rover insurance is comparatively high since it's a high-performance, all-terrain vehicle. Even though it comes with top-class safety features, the potential risk remains high due to its performance.
Several factors influence Land Rover insurance rates beyond just the car itself. Most importantly, the driver's profile is a major consideration for insurance companies. Among all models, the Land Rover Discovery has the cheapest insurance rate.
As a premium brand, Land Rover faces competition from other luxury carmakers with varying insurance costs. When compared, Land Rover insurance rates are not the highest. Let's take a closer look.
| Car Brand | Annual Rate |
|---|---|
| BMW | $1,786 |
| Lexus | $2,318 |
| Land Rover | $2,318 |
| Audi | $2,462 |
| Mercedes Benz | $2,567 |
| Porsche | $2,667 |
When comparing Land Rover car insurance rates by company, Texas Farm Bureau and USAA are the most affordable options. Texas Farm Bureau charges $1,556 annually, while USAA premiums start at $1,962. With the average Land Rover insurance cost at $2,318, State Farm and Southern Farm Bureau offer the most expensive rates, $3,048 and $2,803, respectively.
| Company | Annual Rate |
|---|---|
| Texas Farm Bureau | 1,556 |
| USAA | 1,962 |
| Acuity | 2,002 |
| Tennessee Farmers | 2,004 |
| Erie | 2,015 |
| Vermont Mutual | 2,086 |
| Plymouth Rock Insurance | 2,203 |
| Progressive | 2,219 |
| American Family | 2,268 |
| Nationwide | 2,371 |
| Cincinnati Insurance | 2,380 |
| Mercury | 2,386 |
| Arbella | 2,456 |
| Country | 2,468 |
| Auto Owners | 2,731 |
| 21st Century | 2,762 |
| Southern Farm Bureau | 2,803 |
| State Farm | 3,048 |
Land Rover insurance costs vary by model. The Range Rover is the most expensive at $2,676 per year, followed by the Range Rover Sport and Evoque. More affordable options include the Discovery Sport, LR4, and LR2. Compare Land Rover insurance rates by model to find the best coverage for your budget.
| Company | Annual Rate |
|---|---|
| Range Rover | $2,676 |
| Range Rover Sport | $2,412 |
| Range Rover Evoque | $2,256 |
| Discovery | $2,112 |
| Discovery Sport | $1,824 |
| LR4 | $924 |
| LR2 | $828 |
Leverage Safety Features: Land Rover cars are recognized for their strong safety features. Most newer models include advanced built-in technologies that reduce accident risks, which can help lower insurance premiums. However, costs may still vary depending on the complexity and repair expenses of certain parts.
Bundle Your Policies: If you own multiple policies, such as renters, homeowners, or more than one vehicle, consider bundling them with the same insurer. This often results in a noticeable discount on your Land Rover insurance rates.
Compare Quotes Regularly: Even if you're satisfied with your current insurer, it's smart to compare rates from other providers. You can check quotes directly on insurer websites or use a comparison tool like the Way app. Since insurance companies update their rates yearly, comparing multiple providers can give you the best deal.
Adjust Coverage as Your Car Ages: Older Land Rover models typically cost less to insure. Still, certain years may have higher rates due to repair costs, part availability, or market demand. If your model doesn't fall into those exceptions, lowering coverage to match the car's value can save you money.
Maintain a Clean Driving Record: Tickets, DUIs, and at-fault accidents increase insurance rates by placing drivers in the 'high-risk' category. Keeping a clean record is one of the easiest ways to keep your Land Rover car insurance affordable.
Take Advantage of Low-Mileage Discounts: If you only drive occasionally, for weekends or short commutes, do let your insurer know. Many carriers offer low-mileage discounts, which can significantly reduce your premium.
Consider Paying Annually: Paying month-to-month may seem easier, but it usually costs more in the long run due to added installment fees. Choosing an annual payment option can help you avoid extra charges and save overall.
Getting Land Rover insurance quotes with Way.com is quick and hassle-free. Just download the Way app or visit our website to compare rates from 140+ insurers and choose the best option to lower your Land Rover insurance costs. Also, you can compare all the car models with Way within minutes.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Yes. Since it is a luxury brand and sports premium features, Land Rover auto insurance costs are high.
Our research shows that LR2 is the cheapest model to insure. A full coverage policy costs you $828 yearly.
It costs you around $1,824 annually to insure a Land Rover Discovery Sport.
The Range Rover Evoque is one of the most expensive vehicles to insure. When comparing Land Rover car insurance costs, an auto insurance policy for the Range Rover Evoque will cost around $2,256.
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