Best Auto Insurance for Land Rover

In 2022, Range Rover models made up four of the top five highest-selling Land Rover vehicles.² If you’re seeking the most affordable rates for Land Rover’s most popular model, look no further. On average, Nationwide’s rates for Range Rovers are $1,909 annually, which is significantly cheaper than the average rate ($2,836) across all providers.

Most Affordable Rates for Range Rover

Here’s how Nationwide’s Range Rover rates compare to other low-cost providers:

Increase Your Savings With Discounts

2023 Range Rovers start at over $100,000 for a new vehicle, and insurance prices tend to be at least $2,000 on average.³ With Nationwide, you can bring your insurance costs down even more by asking your agent about qualifying discounts in your area. Here are a few ways you might be able to save with Nationwide:

• Defensive driving discount: Complete an approved defensive driving course to earn this discount.
• Safe driver discount: If you’ve maintained an accident-free record for five years, you might qualify for this discount.
• Multi-policy discount: Bundle auto with at least one other Nationwide policy to be eligible for this discount. A Nationwide study of drivers from May 2020 showed that bundlers save over $600 on average with the multi-policy discount.
• Anti-theft discount: You save on car insurance by installing an anti-theft device to your vehicle.
• SmartRide: Immediately get 10 percent off your car insurance when you sign up for SmartRide, Nationwide’s usage-based safe driver program. You’ll be eligible for additional savings if you exhibit safe driving habits.
• Student discount: Students who maintain a B average and are between the ages of 16 and 24 are eligible for this discount.
• SmartMiles: Similar to SmartRide, you get 10 percent off your premium just for saving up for SmartMiles, Nationwide’s pay-per-mile usage-based insurance. The program calculates your premiums based on how many miles you drive; the less you drive each month, the less you can expect to pay for car insurance.

Quality Gap Coverage

With hefty rates starting at over $100,000, you want to opt for loaning or leasing your Range Rover. If you loan or lease your Range Rover, you will need gap insurance. Gap insurance helps you cover what your collision/comprehensive coverage doesn’t if you total your vehicle.

Let’s say you owe $110,000 on your Range Rover. The first year you drive your Range Rover, your vehicle’s value will depreciate by 20 percent on average. So if you total your vehicle immediately after buying your vehicle, your collision and comprehensive insurance will cover the value of your vehicle at its depreciated value–which is about $88,000. That means you still owe $22,000 on your loan that isn’t covered by collision/comprehensive, which is what gap insurance will cover.

Learn more about why Nationwide is our top pick for gap insurance in our best gap insurance guide.

Own a classic or vintage Land Rover? You need specialized classic car insurance. Liberty Mutual has a dedicated team of agents ready to help you appraise and customize insurance for your classic Land Rover. On top of that, you’ll have the backing of one of the most reliable providers in the nation, a long list of coverage options, and an excellent rental reimbursement plan.

Classic Land Rover Insurance

Land Rover has a rich history with the first Ranger Rover released in 1970 and older models dating as far back as the 1940s. If you own a classic Land Rover, you’ll need classic car insurance to cover the cost of specialty parts you won’t find in ordinary cars. Your Land Rover must meet the following criteria for Liberty Mutual to consider it a classic or antique vehicle:

• It is over 25 years old.
• Its specific make, design, or model gains value as it ages.
• It’s used for parades, exhibitions, or other special events.

Still not sure if your Land Rover is considered a classic car or an antique? Talk to your Liberty Mutual agent. They have all the tools you need to appraise and assess your Land Rover.

Classic Car Requirements

Liberty Mutual has very specific guidelines in order to maintain classic car coverage. If you plan on driving your Land Rover often, you won’t qualify for classic car insurance. Here are some of Liberty Mutual’s requirements:

• Comply with usage restrictions (mileage limits) as defined in your policy.
• Keep vehicles stored in a fully enclosed and locked structure, such as a garage.
• Liberty Mutual may have driver eligibility requirements, like a DUI-free and accident-free record in the past five years, when signing up for classic car insurance.
• You may need a regular-use vehicle in your household to qualify for classic car coverage.

Land Rover Defender Classic Upgrade

In 2019, Land Rover introduced a range of new upgrades for classic Land Rover Defender models. If you own a classic Land Rover Defender, you may be eligible for one of the following upgrades:

• Upgrade kits for 90 and 110 wheelbase derivatives to improve on-road performance.
• Wheel, suspension, braking, and engine upgrades.
• Additional parts that are approved and tested to Land Rover manufacturer standards.
• Coverage for Land Rover standard aftermarket parts and accessories.
• And more! Learn more at Land Rover’s upgrade kit website: https://media.landrover.com/en-gb/image-packs/land-rover-classic-defender-upgrade-kits

Farmers has served more than 10 million households and nearly 20 million individual customers in its almost 100-year existence. It’s the ninth-largest provider in the country, offering coverage for auto, property, life, and businesses, among others.

Land Rover has a unique business fleet program for businesses and a diplomat/embassy program, providing luxury vehicles to meet the transportation needs of diplomats and embassy personnel. If you’re looking for specialized commercial auto insurance, Farmers has you covered. Read on to learn more about Farmer’s programs for contractors, businesses, and corporate fleets.

Corporate Fleet Insurance

Land Rover has a business fleet program for companies, embassies, and fleet contractors. The program includes a line of luxury fleet vehicles to meet the needs of diplomats, embassy members, essential business clients, and other corporate driving needs. It brings the comfort, safety, and security necessary for corporate travel or business-related drives.

Farmers has you covered if you need insurance for any of the above-mentioned commercial situations. Farmers provides commercial car insurance for corporate fleets, contractors, and subcontractors. Whether you have a single company car or a large fleet, Farmers can get you the commercial coverage you need.

Additional Coverage for Commercial Auto Insurance

If one of your commercial Land Rovers is damaged and taken out commission, you can rest easy knowing you have some additional support to keep business operation running smoothly. Here are a few optional coverages you can add for your business needs.

• Telematics features that allow you to monitor the locations and driving habits of your employees
• Lease/loan coverage to help you pay for amounts you owe under lease or loan agreements
• Rental reimbursement coverage to help pay for the cost of rentals
• Roadside coverage for towing and labor needs if you get into a roadside emergency

Safety Driving Tracking Program

If you want to keep track of your fleet or save on personal car insurance, sign up with Farmers’ habit-tracking program, Signal.

Signal is a smartphone app-tracking program that monitors your driving habits (such as speed, time of driving, and turn acceleration) and adjusts your insurance rates based on those driving habits. When renewing your policy, you could save up to 30 percent off on your car insurance based on your driving habits; the safer you drive, the more you can save. However, if you exhibit risky driving behavior, Farmers could increase your rates.

On top of monitoring your driving habits and earning potential savings, Signal comes integrated with a CrashAssist feature. CrashAssist is an optional feature that can detect if you or your driver has been in an accident and can send help if need be.

More affordable than its Range Rover counterpart, the Land Rover Discovery still comes in at a sizable starting price of about $58,000 for new vehicles. The good news is that, at $1,824 annually on average, Discovery models are the most affordable among all Land Rover models. And State Farm’s average prices for Discovery models, $927annually on average, are the cheapest of any large provider.

With a 100-year history providing quality insurance for more Americans than any other provider, State Farm is our top pick for Discovery drivers looking for the cheapest rates.

Most Affordable Rates

On average, State Farm offers the lowest premiums for Land Rover Discovery models. Here’s how State Farm compares to other competitors offering affordable Discovery rates.

Excellent Discounts

Want to earn more on your Land Rover? Ask your agent about which of the following State Farm discounts you might be eligible for:

• Good student discount: Being a student with a 3.0 GPA or higher
• Safety driver program: Using the Drive Safe & Save app (up to 30 percent off)
• Accident-free discount: Having an accident-free record
• Safety equipment discount: Driving a 1993 or older vehicle with factory-installed airbags (up to 40 percent off)
• Multiple vehicle discount: Insuring multiple vehicles
• Multi-policy discount: Bundling homeowners, renters, condo, or life insurance
• Defensive driving course discount: Taking a defensive driving course
• Anti-theft discount: Installing an anti-theft system

Young Adult Safety Program

According to data from the Insurance Institute of Highway Safety (IIHS), young drivers have some of the highest car accident and death rates in the country.⁵ Not only are these risks scary to think about, but they can also be expensive to insure for. Insurance providers view young drivers as high-risk drivers, and they mark up those costs for both young drivers and their parents.

You can keep your teen safe on the road by putting them in a Land Rover. Very large luxury vehicles, like Land Rovers, have the lowest fatality rates during accidents (only four for every million registered vehicle years). You can also encourage better driving habits by signing up for State Farm’s young adult safety program, Steer Clear. Steer Clear tracks driving habits, provides helpful feedback, and requires your teen to complete a set of safety modules in order to complete the program.

Upon completion, your teen will have become a better driver, and earned 15 percent off your car insurance.

Here are the requirements:

1. Be under the age of 25
2. Have a valid driver’s license
3. Successfully complete the program
4. Have at least three years of no at-fault accidents or moving violations

According to a study by the RV Industry Association, RV ownership has increased by 20 percent in the last 20 years. Among the 11 million RV Owners, more than half of them are over the age 55. If you’re one of the millions of RV, mobile homeowners, or trailer owners, you’ll need quality RV and off-road insurance.

The AARP offers both RV and off-road insurance. If you use your Land Rover to tow your RV while you travel around the country, we recommend the AARP for your car insurance needs.

RV Insurance

The Land Rover Range Rover towing capacity ranges from around 5,500 pounds to 8,200 pounds, so you’ll be able to tow smaller RVs, campers, and fishing boats. If you need a four-wheel drive vehicle that can take you and your RV across the country, the Land Rover has got you covered.

The AARP can insure both your Land Rover and your RV. Benefit from no-cost, no-obligation quotes, RV and auto bundling discounts, and savings if you’re a part of an RV club.

More Ways to Save on Your Land Rover Insurance

AARP offers car insurance through The Hagerty, and all AARP members get 10 percent off their Hagerty insurance plans just by being AARP members. Additional AARP auto insurance discounts include:

• Up to 20 percent off when you bundle home and auto
• Up to 15 percent off when you enroll in and complete the SmartDriver course
• Savings vary by state when you pay in full for your car insurance policy

AARP Membership Benefits

When you insure your Land Rover, or any vehicle for that matter, with the AARP, you get access to several AARP membership benefits. You can only sign up for the AARP’s car insurance by becoming a member, which requires you to be over the age of 50 and costs $16 a year. Here are a few benefits the membership comes with:

• Access to several insurance types, including car, mobile home, health, life, and others
• Car rental discounts and incentives
• Discounts for flights and vacation packages
• Hotel resort discounts
• Access to safe-buyer databases to search for information when buying a new car
• Discounts for oil changes, vehicle check-ups, and other maintenance needs
• And more!