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State Farm offers some of the most affordable Land Rover car insurance rates, robust coverage options, and reliable services in the country.
Rental car reimbursement is essential if you rely on your car every day for work, leisure, or other personal needs. Liberty Mutual has a seamless rental car reimbursement app, great discounts, and dependable rental partnerships to ensure you won’t be left without a car after an accident.
Originally released in 1948, the Land Rover was Britain’s response to America’s Jeep: a boxy and functional SUV designed for farm work. Today, the Land Rover is known as a high-performing off-road vehicle with the innovation and technology of any modern vehicle.
New Land Rovers have a hefty starting price of about $50,000, which poses the question: Who are the best Land Rover providers? Insurance for luxury SUVs can be expensive because of the cost of parts and repairs, so it’s important to make sure you’re taking advantage of the best rates, deals, and coverage options. And that’s why we’re here.
Best Overall Insurance for Land Rover: State Farm
Best Insurance for Classic Land Rovers: Liberty Mutual
Best Land Rover Insurance for Bundling: Allstate
Best Land Rover Insurance for Corporate Fleets: Farmers
Best Land Rover Insurance for Military and Veterans: USAA
Insurance company | Average annual rate | Bundling discount | Good student discount | Safe driver discount | Low mileage discount | Umbrella insurance | J.D. Power auto claims satisfaction study (out of 1,000)1 | Review |
---|---|---|---|---|---|---|---|---|
State Farm | $2,304 | Yes | Yes | Yes | Yes | Yes | 882 | State Farm review |
Liberty Mutual | $2,513 | Yes | Yes | Yes | Yes | Yes | 870 | Liberty Mutual review |
Allstate | $2,681 | Yes | Yes | Yes | Yes | Yes | 889 | Allstate review |
Farmers | N/A | Yes | Yes | Yes | No | Yes | 882 | Farmers review |
USAA | $2,106 | Yes | Yes | Yes | Yes | Yes | 890 | USAA review |
Since its founding in 1922, State Farm has grown to be the largest and one of the most recognized providers in the country.2 With its long list of coverage features, discounts, and bundling options, State Farm offers some of the most competitive rates and well-rounded lists of coverage options.
The average insurance rate for one of the Land Rover’s most popular models, the Range Rover, is around $1,800 annually, which is about $600 more a year than the national average of $1,204.3 You can bring those costs down by asking your agent about which of the following State Farm discounts you might be eligible for:
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.4 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.
State Farm’s Steer Clear Program is a safety program that teaches you or your kids how to become better drivers. The program encourages better driving habits by tracking driving habits, providing helpful feedback, and requiring 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:
Whether you’re looking for basic bodily injury liability and property damage liability or full coverage with medical payments and uninsured motorist coverage, State Farm provides all the standard car insurance options you could ask for. On top of your standard coverage, you could add the following insurance options:
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.
Liberty Mutual offers excellent classic car insurance for antique and classic Land Rovers. You need classic car insurance for vintage vehicles in order to cover the cost of specialty parts that 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:
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.
Finding a rental after an accident isn’t a fun process. Liberty Mutual makes the rental reimbursement process as seamless as possible with fee waivers, a rental valet service, and pre-arranged repair services. If you sign up for the rental reimbursement program, Liberty Mutual will pay the cost of your rental car and automate steps of the process after an accident, like paying the rental company.
Here are some of the highlights of the plan:
Liberty Mutual offers several car insurance add-ons that can minimize your time with a rental and get you back on the road with your Land Rover. If you want to be prepared for an accident, you should consider integrating one of the following optional add-ons to your plan:
One way to reduce the high rates on your Land Rover coverage is by bundling your car insurance with other policies. Not only is Allstate one of the largest and oldest providers in the country, but it also has the largest home bundling discount in the country. If you bundle your home and Land Rover with Allstate, you can earn up to 25 percent off your car insurance.
There are three ways to earn savings by bundling with Allstate. You could bundle any of the following policies:
All three bundling options can earn you a discount, and you could earn your largest saving (25 percent off) by bundling your home and auto insurance policies. Bundling is a great way to earn discounts and review all your policies from the same place.
If you’re looking to maximize your saving potential on your Land Rover, ask your Allstate agent about all the other great discounts you could be eligible for. Beyond your bundling discount, you can lower your rates through these other discounts:
If you don’t need your Land Rover to commute every day or have a low total mileage count per month, you might want to consider Allstate’s pay-per-mile insurance. Pay-per-mile policies are fairly straightforward: the less you drive, the lower your rates will be, and the more you drive, the higher your rates will be.
Here’s how Milewise works. Every day you’re charged a flat rate, which is determined by a number of factors, including your age, driving background, vehicle type, and more. On top of the flat rate, you’re charged a pay-per-mile rate based on how many miles you’ve driven in a day. Here’s an example of what those rates might look like (as presented on Allstate’s website):
Daily flat rate | Pay-per-mile rate | Number of miles per day | Total daily cost |
---|---|---|---|
$1.50 | 6¢ per mile | 12 | $2.22 |
If you average driving 12 miles a day, you’re looking at about $65 a month (or $780 a year), which is significantly lower than the national annual average and Allstate’s annual average.
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.
Farmer is a great choice for businesses or contractors looking to insure corporate Land Rover fleets. Farmers has specialized commercial insurance programs for contractors and other business types. We’ll take a closer look at those below.
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.
If you need insurance for any of the above-mentioned commercial situations, Farmers has you covered. 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.
Farmers has a new and redesigned mobile app that will make managing your fleet insurance easier than ever. The new design has a sleek look and an easy-to-navigate menu page that lets you access your bills, payment options, policy documents, ID cards, claims requests, roadside assistance, and customer service agents. The app has a 4.8 rating in the Apple App Store and a 4.6 rating in the Google Play Store.
To test the app’s advanced audio features, we synced our app with Siri and tried to pay a claim. It was as easy as asking Siri to pay a bill, answering Siri’s questions (when and how much we wanted to pay), and confirming the total payment. That’s it.
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 it’s time to renew 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.
If you’re an active military member, veteran, spouse, or child of a military member, USAA is the best option for insuring your Land Rover. With an average annual price of $1,151, USAA is the cheapest large provider in the U.S. It offers a number of discounts, travel perks, and custom coverage (like classic car insurance).
On top of that, USAA has some of the highest and most consistently ranked customer satisfaction scores in the country. J.D. Power ranked USAA the highest for customer satisfaction in every region of America, except for California, where it ranked second.
Part of why USAA’s premiums are so low is due to its long list of discounts. With USAA, you could be eligible for any of the following discounts:
Rates, availability, and eligibility can vary from state to state and driver to driver, so be sure to speak with a USAA representative to find out what you’re eligible for.
It’s important to find the right classic car coverage plan for your vintage or restored Land Rover. Unlike typical car insurance, classic car coverage doesn’t factor in age, depreciation, and mileage when assessing the value of your vehicle. In fact, the older a classic car is, the more valuable it tends to be. If you own a vintage Land Rover, you have to appraise the value of your vehicle through an alternative method.
USAA’s dedicated classic car insurance team is partnered with American Collectors Insurance, a niche provider that specializes in classic cars, collectibles, and custom-made vehicles. USAA’s classic car insurance includes the following features:
Want to bundle your Land Rover with another vehicle or policy? USAA has one of the longest lists of bundling options for your car, which can bring costs down and simplify the way you manage your insurance policies. With USAA, you can bundle your Land Rover with the following vehicles and insurance types:
Here is the average monthly cost of Land Rover insurance based on some of the most popular models:
Model | Monthly insurance cost |
---|---|
Land Rover Discovery | $213 |
Land Rover Range Rover | $168 |
Land Rover Range Rover Evoque | $192 |
Land Rover Range Rover Sport | $205 |
Land Rover Range Rover Velar | $197 |
Average | $195 |
No, you don’t need special car insurance to cover your Land Rover unless you have a vintage or classic model.
If you’re a military member, USAA will have the cheapest insurance rates for Land Rovers. If you’re not a member of the military, State Farm, GEICO, and Clearcover all have below-average insurance rates for Land Rovers.
Not all Land Rovers are sports cars, but Land Rover makes sports models for its Discovery, Range Rover, and Defender models.
Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 27).
https://www.jdpower.com/business/press-releases/2022-us-auto-claims-satisfaction-study
Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2023).
https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings
NAIC Releases 2018-2019 Auto Insurance Database Report. National Association of Insurance Commissioners. (2022, Jan 31).
https://content.naic.org/article/naic-releases-2018-2019-auto-insurance-database-report
Fatality Facts 2020 Yearly Snapshot. Insurance Institute for Highway Safety and Highway Loss Data Institute. (2023).
https://www.iihs.org/topics/fatality-statistics/detail/yearly-snapshot#age-and-sex
20 Things You Didn’t Know About Land Rover. Estonian Land Rover Club. (2014, Mar 11).
https://landroverclub.ee/huvitavaid-fakte/