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Best Auto Insurance for Land Rover

Find protection, rates, and providers for your luxury SUV.

Best Overall Auto Insurance for Land Rover
State Farm Logo

State Farm offers some of the most affordable Land Rover car insurance rates, robust coverage options, and reliable services in the country.

Best Auto Insurance for Classic Land Rovers
Liberty Mutual Logo

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.

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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.

Summary of the Best Auto Insurance for Land Rover

  1. 1.

    Best Overall Insurance for Land Rover: State Farm

  2. 2.

    Best Insurance for Classic Land Rovers: Liberty Mutual

  3. 3.

    Best Land Rover Insurance for Bundling: Allstate

  4. 4.

    Best Land Rover Insurance for Corporate Fleets: Farmers

  5. 5.

    Best Land Rover Insurance for Military and Veterans: USAA

Comparison of the Best Auto Insurance for Land Rover

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

Detailed List of the Best Auto Insurance for Land Rover

1. Best Overall Insurance for Land Rover - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

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.

ProsWho It's Best For
  • pro
    People looking for affordable insurance
  • pro
    Young drivers
  • pro
    Safe drivers
  • pro
    Drivers who need SR-22s
ConsWho It's Not Best For
  • con
    New customers in Massachusetts and Rhode Island (State Farm is no longer providing insurance to new customers in those states)
  • con
    Drivers with DUIs in their driving histories

Excellent Discounts

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:

  • Being a student with a 3.0 GPA or higher
  • Using Drive Safe & Save app (up to 30 percent off)
  • Having an accident-free record
  • Driving a 1993 or older vehicle with factory-installed airbags (up to 40 percent off)
  • Insuring multiple vehicles
  • Bundling homeowners, renters, condo, or life insurance
  • Taking a defensive driving course
  • 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.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:

  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

DID YOU KNOW?

A 2020 IIHS study showed that the death rate for accidents is twice as high for small vehicles as it is for larger ones. If safety is a concern, a four-door 4WD SUV like the Range Rover will give you the highest chance of surviving a high-speed accident.

Robust Coverage

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:

  • Emergency roadside service
  • Rideshare insurance
  • Rental car reimbursement
  • Personal umbrella coverage
  • Payoff Protector program (State Farm’s version of gap insurance)
  • Classic car insurance
  • Pet insurance
2. Best Insurance for Classic Land Rovers - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

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.

ProsWho It's Best For
  • pro
    People who need their Land Rovers every day
  • pro
    Owners of classic Land Rovers
  • pro
    New Land Rover owners
  • pro
    Young drivers
ConsWho It's Not Best For
  • con
    People with their own mechanics outside the Liberty Mutual network
  • con
    People with histories of traffic violations

Classic Land Rover Insurance

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:

  • 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.

Quality Rental Reimbursement Program

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:

  • Rental discounts: If you rent a car from Enterprise-Rent-A-Car, you can earn a discount for being a Liberty Mutual customer.
  • Valet service: If your car is drivable after an accident or breakdown, a Liberty Mutual valet service member will drop off your rental at your location and drive your car to the repair shop.
  • Unlimited repair time with select providers: If you allow Liberty Mutual to arrange the rental car and select one of its 2,000 approved repair shops, it will pay for your car rental costs for as long as it takes to fix your car.
  • Fee waivers: Depending on your limits, you can get reimbursed for out-of-pocket rental fees.

Broad Coverage Options

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:

  • Original parts replacement: Original parts replacement helps you replace any damaged parts to your vehicle with the highest-quality parts. If the original parts are not available or are no longer in production, Liberty Mutual will come up with an estimate that includes comparable parts.
  • Better car replacement: If you total your Land Rover, Liberty Mutual will pay for the cost of a car one year newer than your original.
  • 24-hour roadside assistance: A roadside service member is available 24/7 with this add-on, helping you with a flat tire, dead battery, emergency fuel, towing, and more.
  • Lifetime repair guarantee: For as long as you own your Liberty Mutual-insured vehicle, Liberty Mutual guarantees that it will help you find an approved repair facility after an accident.
  • New car replacement insurance: If your Land Rover is stolen or totaled in the first year, Liberty Mutual will cover the costs for a brand-new vehicle of the same original value (not its current, depreciated value).
  • Mexico car insurance: Traveling to Mexico? You can get coverage for your own vehicle or a rental, a necessity if you’re driving beyond the border zone (approximately 14 miles from Mexico’s northern border).

FUN FACT:

The first Land Rover prototype (built in 1947) had its steering wheel placed in the middle of the vehicle, which allowed passengers to sit on either side of the driver. The convenient design also permitted all Land Rovers to be exported to countries where the left-hand drive was the standard without making any changes.5

3. Best Land Rover Insurance for Bundling - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

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.

ProsWho It's Best For
  • pro
    Homeowners or renters
  • pro
    People with new Land Rovers
  • pro
    Safe drivers
  • pro
ConsWho It's Not Best For
  • con
    People with bad credit
  • con
    People looking for the cheapest provider

Big Bundling Discount

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.

Other Ways to Save

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:

  • New car discount
  • Smart student discount if you’re a student under 25 and meet at least one of these requirements:
    • You maintain a 2.7 or above GPA.
    • You complete the teenSMART driver education program.
    • You attend school at least 100 miles from where you store your car.
  • Anti-lock equipment discount
  • Safety driver course discount
  • EZ-pay plan discount for automatic withdrawals on your premium
  • Paperless ePolicy

Pay-Per-Mile Insurance

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.

4. Best Land Rover Insurance for Corporate Fleets - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

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.

ProsWho It's Best For
  • pro
    Business owners
  • pro
    Corporate fleet contractors
  • pro
    People with diesel-powered Land Rovers
  • pro
    People who want to manage insurance from their phones
ConsWho It's Not Best For
  • con
    People who want gap insurance
  • con
    People looking for the cheapest option

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.

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.

Seamless Mobile Experience

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.

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 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.

5. Best Land Rover Insurance for Military and Veterans - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

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.

ProsWho It's Best For
  • pro
    People with new Land Rovers
  • pro
    People who own vintage Land Rovers
  • pro
    People who can bundle insurance policies
  • pro
    Military members, veterans, and their families
ConsWho It's Not Best For
  • con
    People who aren’t eligible to become USAA members

Great Savings

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:

  • Vehicle storage up to 60 percent off
  • Up to 15 percent off on comprehensive coverage for garaging your car on a military base
  • Military families receive up to 10 percent off
  • New vehicles three years old or less
  • Good student discount
  • Safe driver program up to 30 percent off
  • Bundling discount up to 10 percent off
  • Anti-theft device discount

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.

Classic Car Coverage

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:

  • Mileage plan: Most owners of collector cars don’t drive them often. USAA’s classic car insurance offers tiered mileage plans that reduce auto insurance costs.
  • Agreed-value coverage: Rather than valuing your car based on its depreciation, you and your insurance agent will assess your classic car’s value based on condition, rarity, and features. This process ensures that you will receive the full value of your car in the event of a covered total loss.
  • Automatic coverage: USAA covers vehicles you’ve added to your collection for up to $100,000 for 30 days automatically, ensuring there is no gap in your coverage.

FYI:

Most insurance providers don’t allow you to use your vintage Land Rover for everyday use. Insurers may integrate a mileage limitation into your policy and ask for proof that your vehicle is being stored properly if you travel with it.

Lots of Bundling Options

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:

  • Homeowners’ or renters’
  • ATV
  • Classic car
  • Condo
  • Boat
  • Pet
  • Personal umbrella
  • Motorcycle
  • Farm and ranch
  • RV
  • Special event
  • Supplemental health

Methodology

  • Proprietary data: Over the past 20 years, Autoinsurance.com has been collecting millions of data points regarding car insurance companies that have had the most success insuring Land Rovers. We use that data to narrow down the best service providers that fit the unique needs of drivers from different backgrounds and life circumstances, such as age, gender, location, and marital status. That being said, when looking for car insurance quotes, compare them to determine the cost of insuring your Land Rover. Safety features, zip codes, and your credit score will affect the average cost. For example, Range Rover car insurance may cost more than Land Rover Discovery insurance.
  • Public studies: Accredited public studies are a great resource when comparing customer satisfaction, customer service, and financial strength. We look at third-party studies from industry leaders like the Better Business Bureau, J.D. Power, Moody’s, AM Best, the National Association of Insurance Commissioners, and S&P Global to find the most accurate information on insurance providers.
  • Expert institutional guidance: Last but not least, Autoinsurance.com is backed by an insurance industry expert, Paul Ford. Paul is the president of insurance services at Centerfield, the website’s parent company, and his three decades of work in the industry provide us with the expert guidance we need to provide customers with the best recommendations on insurance providers.

Frequently Asked Questions

How much does Land Rover insurance cost?

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

Do I need special car insurance to cover my Land Rover?

No, you don’t need special car insurance to cover your Land Rover unless you have a vintage or classic model.

Which provider offers the cheapest rates for Land Rovers?

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.

Are Land Rovers considered sports cars?

Not all Land Rovers are sports cars, but Land Rover makes sports models for its Discovery, Range Rover, and Defender models.

Citations

  1. 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

  2. Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2023).
    https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings

  3. 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

  4. 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

  5. 20 Things You Didn’t Know About Land Rover. Estonian Land Rover Club. (2014, Mar 11).
    https://landroverclub.ee/huvitavaid-fakte/