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Key Takeaways

  • Insuring a Land Rover will cost you around $1,686 a year.
  • With an annual premium of $2,669, Range Rover car insurance costs the most.
  • Adding more features to your car will lower the Land Rover auto insurance costs.

Land Rover Auto Insurance

Land Rover’s legendary look and impressive off-road capabilities have drawn drivers in. While Land Rovers still offers a good deal of all-terrain capability, luxury may now be their main selling feature. Drivers considering one of Land Rover’s upscale SUVs know these models have hefty starting prices. But, as an owner, you need to know that it requires good auto insurance coverage to protect your luxury Land Rover.

A comprehensive auto insurance coverage could prevent you from bearing most of the cost of a covered accident out of your pocket while protecting your car. But, with the car models having high starting prices, the challenge will be to find the cheapest car insurance for your Land Rover.

So, how much does a Land Rover auto insurance cost? How can you get cheap Land Rover insurance quotes? Which insurer offers the lowest Land Rover insurance cost? Know all about the Land Rover auto insurance cost via our review!

Models included in this review:

  • Land Rover Discovery
  • Range Rover
  • Range Rover Velar
  • Range Rover Sport

How much does it cost to insure a Land Rover?

Since it is a luxury car, you must pay a hefty amount to get Land Rover auto insurance. Insuring a Land Rover will cost you around $1,686 annually.

However, various factors can impact the rate of Land Rover insurance. For instance, the year, make, and model of your car and other additional features will affect the Land Rover insurance cost. In addition, other factors will affect the insurance cost of your Land Rover.

  • Cost of parts: Land Rovers are renowned for using premium parts. Compared to a budget vehicle, finding replacement auto components, particularly original equipment manufacturer (OEM) parts, can get rather pricey.
  • Safety features: To make driving safer, owners of Land Rovers can equip their vehicles with various equipment. Lane-keep assist and blind spot monitoring are two of the most popular optional features. These features could lower the Land Rover auto insurance cost by preventing accidents and expensive claims for car repairs.

Average Insurance Cost for Land Rover Vehicles

The average Land Rover auto insurance cost starts at $1,624 for the Range Rover Evoque, which can go as high as $2,669 for a Range Rover. The average of all models costs around $1,878 per year, which is higher than the national average of $1,557. The table displays the typical Land Rover auto insurance rates for active and discontinued models made after 2013.

Model Average annual cost
Land Rover Defender $1,810
Land Rover Discovery $2,179
Land Rover Discovery Sport $1,674
Land Rover Range Rover Evoque $1,624
Land Rover LR2 (2015 and before) $1,362
Land Rover LR4 (2016 and before) $1,580
Land Rover Range Rover $2,669
Land Rover Range Rover Sport $1,944
Land Rover Range Rover Velar $2,068

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Car insurance for a Land Rover: By model

You must understand that the Land Rover auto insurance rates vary for each driver. Your age, driving record, location, and car’s make and model can greatly affect your premiums. The insurance rates of some models will give you an idea of what you need to pay.

Car insurance for Land Rover Discovery

The current 2023 Land Rover Discovery’s base price is around $56,600. Even though it is the base model, it still has many luxurious additions like the Meridian Sound System and other driving aids to keep you safe. Emergency braking assistance and blind spot monitoring come as standard features.

Land Rover Discovery insurance rate Average annual premium
Full coverage $2,179
Minimum coverage $515

Car insurance for Range Rover

The starting price of a 2022 Range Rover is $104,500. The Range Rover has several driver-assist features that improve handling, including all-terrain cruise control. You can use it on difficult surfaces like wet grass, snow, ice, and gravel roads, as well as the stability control feature to combat understeer or oversteer situations.

Range Rover car insurance rate Average annual premium
Full coverage $2,669
Minimum coverage $526

Car insurance for Range Rover Velar

The Range Rover Velar is one of Land Rover’s latest models with a sportier look, with prices starting at $60,300. It also has various features that provide safe driving, like automatic headlight leveling and hill descent control.

Range Rover Velar car insurance rate Average annual premium
Full coverage $2,068
Minimum coverage $518

Car insurance for Range Rover Sport

Many budget-conscious drivers may find the Range Rover Sport variants alluring when choosing a 2022 Land Rover. The car costs substantially less than the base model of the iconic Range Rover, with a starting price of $69,500. The car has features such as adaptive cruise control and lane-keep assist to reduce the stress of driving.

Range Rover Sport car insurance rate Average annual premium
Full coverage $1,944
Minimum coverage $519

Cheapest car insurance companies for Land Rovers

Here comes the most important part. Since the Land Rover cars are priced high with various luxury features and premium parts, expect the insurance premiums to go high. So, after buying a car, do extensive research to find out the insurer that provides the cheapest Land Rover auto insurance policy. Get quotes from various insurers, compare, and buy the cheapest one.

Here are some insurance companies where you can get an affordable Land Rover auto insurance policy.

Insurer Land Rover Discovery Range Rover Range Rover Velar Range Rover Sport
USAA $1,461 $2,020 $1,444 $1,387
State Farm $1,775 $2,284 $1,754 $1,614
Erie $2,059 $2,418 $1,844 $1,492
Amica $1,620 $1,842 $1,544 $1,492

Is Land Rover insurance expensive?

As the carmaker offers upscale SUVs, Land Rover auto insurance costs are slightly higher. Insurance on Land Rover models is around $321 more expensive annually than the average car in the US. However, compared to other luxury manufacturers, Land Rover insurance is less expensive annually than Mercedes-Benz, Audi, and BMW and more expensive than Volvo.

Land Rover Car Insurance Cost vs. Popular Automotive Brands

Car Brand Insurance rate Difference
Land Rover $1,878 --
Acura $1,784 -$94
Audi $2,101 +$223
BMW $2,127 +$249
Cadillac $1,676 -$202
Chevrolet $1,561 -$317
Dodge $2,037 +$159
Ford $1,560 -$318
Genesis $1,853 -$25
GMC $1,661 -$217
Honda $1,476 -$402
Hyundai $1,550 -$328
Infiniti $1,950 +$72
Jaguar $1,987 +$109
Jeep $1,695 -$183
Kia $1,534 -$344
Lexus $1,838 -$40
Lincoln $1,732 -$146
Mazda $1,421 -$457
Mercedes-Benz $2,139 +$261
Mitsubishi $1,637 -$241
Nissan $1,633 -$245
Subaru $1,475 -$403
Tesla $1,988 +$110
Toyota $1,564 -$314
Volkswagen $1,503 -$375
Volvo $1,679 -$199

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Land Rover features that impact insurance costs

Car insurance companies consider a car’s year, make, model, and any safety feature when determining rates. Some insurers may even provide special discounts for factors that can help prevent a claim or accident. For example, the following features could make operating a Land Rover safer and less expensive to insure.

  • InControl Secure Tracker: When the Land Rover’s alarm gets activated, an alert is sent to the driver and the Stolen Vehicle Tracking Center to start the recovery process.
  • Autonomous emergency braking: This feature may forewarn you to take action based on the distance between you and a car nearby. This technology can brake the car if the driver does nothing.
  • Park Assist: Some drivers might find parking in parallel and perpendicular spots challenging. This function aids in steering and directing the car’s driver into certain parking spaces.

Full coverage vs. minimum coverage for your Land Rover

Before you drive, you must have liability coverage with minimum limits in most states. If you cause an accident and are at fault, liability insurance will pay the damages to other drivers. Typical minimum liability coverage comprises these.

Type of coverage Protection
Bodily injury liability (per person and accident) It pays the costs incurred due to the harm you have caused to others.
Property damage liability (per accident) It covers the costs incurred due to any harm you cause to another person’s property or car.

It is better to have coverage that offers more than your state’s average if you own a Land Rover. In addition, depending on your state, you may require uninsured or underinsured motorist protection or personal injury protection (PIP). Insurance plans with full coverage will guarantee your protection in the event of hefty medical bills or substantial car damage. Full protection often consists of these.

Type of coverage Protection
Comprehensive It provides coverage for the price of damages resulting from incidents other than collisions, such as harsh weather, theft, or vandalism.
Collision It covers the expenses incurred in collisions with stationary objects or other moving vehicles.

Other car insurance coverage for a Land Rover

There are minimum standards for auto insurance in almost every state. To offer more comprehensive financial protection, every car owner should consider purchasing additional coverage that exceeds the minimum standards set by their state. For example, suppose you drive a financed or leased car. In that case, you will probably need full auto insurance coverage, including collision and comprehensive coverage.

Your state may not mandate uninsured and underinsured motorist coverage. Still, it can be beneficial for Land Rover owners to consider including it in their auto insurance plan. For example, suppose a driver hits you with insufficient or no auto insurance. In that case, these coverage kinds may be able to help cover your medical expenses and vehicle repairs.

Suppose your Land Rover is being repaired due to a covered claim. In that case, you might also consider add-on coverage choices like rental car coverage to help cover rental costs. Finally, if you purchase roadside help, you can ensure you remain protected if your Land Rover needs a tow or a petrol fill-up after a covered occurrence.

What impacts your insurance costs for Land Rover?

A car’s model, age, and insurance type influence the Land Rover auto insurance costs. The carriers will also consider your unique demographics and other factors when determining your rates.

The model of Land Rover you drive

Your insurance costs greatly depend on the specific Land Rover model you drive. For example, if you choose a small SUV like Discovery, the Land Rover auto insurance costs will be lower than if you choose a huge SUV like the Range Rover. From there, depending on how much the trim level and added equipment alter the car’s worth, your premium may go up.

For instance, here are several insurance options for various Evoque trim levels.

Variant Features Coverage recommended Why do you need that coverage?
Evoque S The S is the base trim for the Evoque. All Evoque models come equipped with a four-wheel drive and excellent entertainment features. Towing and labor The Evoque S is prepared to take you in style wherever you need. However, even with strong cars like this one, it’s smart to invest in additional peace of mind with a complete roadside assistance package.
Evoque R-Dynamic HSE It is the top trim for the Evoque. It features memory leather seats and a Diamond Turned finish. New car replacement For high-end trims, new car replacement insurance is very crucial. You will be entitled to the full purchase price of the car rather than its actual cash worth if your new car is totaled soon after purchase and you have this coverage.

Your insurer

Different carriers come up with varying Land Rover insurance quotes. Therefore, comparing quotes is the best way to find the best Land Rover insurance provider. However, comparing the quotes can be annoying and time-consuming.

The driver’s age

Your driving history is significant in deciding your Land Rover auto insurance cost. Insurers will consider you a high-risk driver if you have a history of offenses. One significant violation, such as a DUI, or even several minor offenses like numerous traffic tickets, can send your premiums through the roof. Fortunately, even with poor driving history, improving your driving skills or enrolling in defensive driving classes may allow you to reduce the cost of your Land Rover’s auto insurance.

The area where you live

The area where you reside also influences your Land Rover auto insurance cost. If you reside in a busy city or a leisurely suburb can affect your rates more than the state in which you live. When determining your insurance cost, insurers consider factors like a city’s accident and property crime statistics. For instance, there is a higher chance of getting into an accident if you reside in a busy city. As a result, your Land Rover auto insurance would cost more.

Your Land Rover auto insurance rates may increase due to your likelihood of experiencing severe weather. Your provider may need to make several payouts at once if you reside in a region that frequently experiences hailstorms, blizzards, or hurricanes.

The History of Land Rover

Originally, the Rover Company’s off-road competent car model was called the ‘Land Rover.’ However, the ‘Series’ designation evolved into a retronym model name when ‘Land Rover’ became a recognized brand. In 1948, British automakers used a Jeep-like body and military-inspired colors to produce the first Land Rover.

In 1970, the company unveiled the Range Rover, and in 1978, the business joined British Leyland. The long and short-wheelbase Land Rovers were finally given official names in 1983 and 1984, the One Ten and the Ninety, respectively. After the 1989 release of the Discovery model, the two models badged the Defender models in 1990.

Since 1978, when Land Rover became a proper company, it has been owned by BMW, Ford, and most recently, the Tata Group of India. Since 2008, the company has been a subsidiary of India’s Tata Motors.

How to get Land Rover Insurance with

Using Way to get a Land Rover insurance quote is extremely simple. Visit our website first to compare the insurance quotes from other providers. After that, the best line of action is to buy the cheapest Land Rover auto insurance coverage from the providers. Do you still have questions about how to get an estimate for Land Rover insurance? Then have a conversation with a representative. They can assist you in locating the best insurance deal for you!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


Is insurance high on Land Rovers?

Yes. Since it is a luxury brand and sports premium features, Land Rover auto insurance costs are high.

What is the cheapest Land Rover to insure?

Our research shows that Land Rover Sport is the cheapest model to insure. A full coverage policy costs you $1,944 yearly.

How much does it cost to insure a Land Rover Discovery Sport?

It costs you around $1,674 annually to insure a Land Rover Discovery Sport.

Is the Range Rover Evoque expensive to insure?

An auto insurance policy for Range Rover Evoque will cost around $1,624. The rate is lower than many of the other Range Rover models.

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