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Last updated: August 22, 2023

Car Insurance for a Land Rover

Here’s how much you’ll pay to insure your luxury SUV, be it a Land Rover or a Supercharged model.

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Here’s how much you’ll pay to insure your luxury SUV, be it a Land Rover or a Supercharged model.

One of the most important factors in the cost of car insurance is the car itself. Insurance companies judge cars based on their safety ratings, repair costs, and features to determine how much the vehicles will protect you and your passengers in the event of an accident. While there have been many Land Rover models over the years, what is the average cost of insuring one?

The Cost of Car Insurance for a Land Rover

The average cost of insuring a Land Rover is $2,126 annually, which is 103 percent more than the U.S. national average in 2020 — $1,047.1 However, some models are cheaper to protect than others, and older cars cost less to insure.

By Model

The most expensive Land Rover to insure is the Range Rover Sport, one of the brand’s most popular vehicles. The Range Rover insurance rate is $2,484. On the other hand, you can get the lowest rates on Land Rover auto insurance for a Lr2 model.

Model Average annual cost of car insurance
Range Rover Sport $2,484
Range Rover $2,375
Range Rover Evoque Pure Plus $2,298
Range Rover Evoque $2,256
Defender $2,248
Discover $2,184
Discovery $1,995
Discovery Sport $1,898
LR3 $1,866
Range Rover Sport Supercharged (2019) $1,866
Range Rover Velar S (2019) $1,866
Discovery Sport Hse $1,656
Lr2 SE $1,656
Range Rover Evoque Coupe $1,092
Range Rover Hse $1,086
Lr4 $924
Lr2 $828

Compare quotes for Land Rover cars to get the lowest prices.

By Model Year

Generally, Land Rovers have gotten more expensive from 2015 to 2020, but there have been a couple years where the costs actually decreased year-over-year. This is good news for Range Rover owners.

Year Average annual cost of car insurance for a Land Rover Range Rover
2015 $2,280
2016 $2,396
2017 $2,384
2018 $2,391
2019 $2,486
2020 $2,453

By Driving Record

Someone with a bad driving record is a high-risk driver and will pay more for car insurance with any make or model.

Driving record Average annual cost of car insurance
Clean record $2,063
Speeding ticket $2,135
Serious offense $3,424

By Coverage

Of course, someone paying for only minimum coverage will pay less than someone with full coverage car insurance.

Coverage Average annual cost of car insurance
Minimum $1,566
Full $2,330

By Company

Some auto insurance companies have cheaper rates for Land Rovers than others.

Company Average annual cost of car insurance
Allstate $2,539
Clearcover $2,540
Dairyland $3,657
Kemper $2,058
National General $2,958
Nationwide $2,299
Progressive $2,487
Safeco $2,375
State Auto $2,681
Travelers $2,594

Land Rover vs. Other SUVs

While insuring a Land Rover costs just over $2,100, the average SUV costs about three-quarters to insure, according to a 2022 report from AAA.2 Perhaps one reason for this is that Land Rovers are luxury vehicles, which cost more to repair and thus more to insure.

Annual cost of car ownership Subcompact SUV Compact SUV (FWD) Medium SUV (4WD) SUV average
Fuel costs in cents per mile 15 14 19 16
Maintenance in cents per mile 10 10 10 10
Full-coverage insurance $1,527 $1,515 $1,529 $1,524
License, registration, taxes $507 $553 $717 $592
Depreciation (10,000 miles per year) -$1,167 -$1,431 -$1,858 $-1,485
Total cost of ownership (10,000 miles per year) $6,827 $6,675 $7,992 $7,165

Of course, insurance isn’t the only expense involved in car ownership. There are also costs associated with maintenance, fuel, depreciation, and other factors, which we’ll explain below.

Cheapest Companies

According to our proprietary data, these are some of the cheapest car insurance companies for Land Rovers:

  • Allied
  • Tennessee Farmers
  • American Family
  • Mercury
  • Nationwide

Factors That Impact Insurance Costs

Many factors affect the cost of car insurance, including a Land Rover’s features and safety ratings.

Land Rover Features

Many safety features are standard in vehicles such as the 2022 Land Rover.

Land Rover 2022 Driver Passenger Rear
Front airbag Standard Standard Not applicable
Belt pre-tensioner Standard Standard Standard
Belt load limiter Standard Standard Standard
Knee airbag Not available Not available Not applicable
Side head airbag Standard Standard Standard
Side chest airbag Standard Standard Not available
Side pelvis airbag Standard Standard Not available
Center airbag Not available Not available Not applicable
Isofix/i-Size Not applicable Not available Standard
Integrated child seat Not applicable Not available Not available
Airbag cutoff switch Not applicable Standard Not applicable
Seat belt reminder Standard Standard Standard
Active bonnet Not available Not applicable Not applicable
Autonomous emergency braking vulnerable road users Standard Not applicable Not applicable
Autonomous emergency braking pedestrian reverse Not available Not applicable Not applicable
Autonomous emergency braking car-to-car Standard Not applicable Not applicable
Speed assistance Standard Not applicable Not applicable
Lane assist system Standard Not applicable Not applicable

Here’s a little information about some of these safety features:

  • Adaptive cruise control and steering assist: Cruise control isn’t a new feature, but the Land Rover’s function will reduce your speed automatically if it detects a slower car ahead. It also keeps the car in the center of the lane, preventing drifting.
  • Autonomous emergency braking (AEB): AEB means that the car can identify pedestrians, vehicles, or cyclists ahead or from other lanes while your vehicle is turning left or right. If it senses you’re about to hit something or someone, it will apply the brakes automatically to limit the severity of the accident.
  • Lane keep assist: It’s easy to drift out of your lane, especially if you’re driving while drowsy. However, with a Land Rover, the vehicle won’t just beep at you when you depart a lane; it will actually counter this movement via your steering wheel.3

Vehicle models with more safety features have better safety ratings, which brings us to our next topic.

Safety Ratings

The European New Car Assessment Programme (Euro NCAP) uses a five-star safety rating system to help people choose vehicles based on safety features and their ability to protect people both inside and outside the vehicle in a car crash.

Nearly all Land Rover models received perfect five-out-of-five ratings, and all received scores of 80 percent or higher for protection.4 Safer models with higher safety ratings are cheaper to insure, as they imply a lower risk of losses compared with more dangerous vehicles, like Ferraris.

Land Rover model (standard safety equipment) Model year Overall rating (out of 5 stars) Adult occupant protection Child occupant protection Vulnerable road users (pedestrians/cyclists) protection Safety assist (driver-assistance and crash-avoidance technologies)
Land Rover 2022 5 84% 87% 72% 82%
Land Rover Sport 2022 5 85% 85% 69% 82%
Evogue 2022 5 94% 87% 72% 73%
Velar 2017 5 93% 85% 74% 72%
Discover 2017 5 90% 80% 75% 73%
Range Rover 2012 4 91% 84% 63% 86%
Average n/a 5 90% 85% 71% 78%

Other Factors

Here are some additional factors that affect the cost of car insurance regardless of your vehicle’s manufacturer:

  • Your age
  • Bundling with other types of insurance, like home and auto
  • Your credit score, in every state except Massachusetts, Hawaii, California, and Michigan
  • Your driving history
  • Your gender, in every state except Florida, Hawaii, Massachusetts, Michigan, North Carolina, Ohio, and Pennsylvania
  • Your homeownership status
  • Your insurance history
  • Your marital status, in every state except Arizona, Hawaii, Iowa, Massachusetts, Michigan, New Jersey (if you’re a widow/widower or divorced person), Ohio, and Wyoming
  • Your street address

Ways to Save

Although insuring a Land Rover will certainly cost you more than average, here are some ways to lower your car insurance costs.

Get Minimum Coverage

Getting the minimum car insurance required in your state is always the cheapest option, but if you have any physical damage to your Rover, you’ll have to pay for repairs out of pocket. Saving now could mean spending more money later if you cause a collision or encounter theft, vandalism, or natural disasters.

Raise Your Deductible

Raising your collision/comprehensive deductible will lower your rates, but make sure it’s a deductible amount you’d be able to pay comfortably out of pocket if you had to. Insurance coverage kicks in only once you’ve reached your deductible.

Ask for Discounts

Each insurance company offers different discounts, like savings for enrolling in paperless billing or paying for a year in full. Ask your insurance agent which discounts apply to you.


If you need more than one type of insurance policy, get them from the same provider. Most companies offer discounts for bundling.

Lower Your Limits

You can keep your existing coverage but lower your limits to bring down your auto insurance premiums. Keep in mind that the insurance company will be responsible for less if you need help.

Land Rover Coverage

Is minimum coverage enough to protect your investment? Let’s take a closer look.


Standard insurance typically includes the following coverage types:

  • Bodily injury coverage: Bodily injury coverage pays for the other party’s injuries in accidents you caused. In other words, it would pay for everyone’s injuries except yours or those sustained by anyone else in your car.
  • Property damage coverage: Similarly, property damage covers other people’s property when you caused the damage. Together, bodily injury and property damage coverage make up basic liability insurance, the minimum most states require.
  • Uninsured/underinsured motorist coverage (UM/UIM): UM/UIM is essentially liability coverage for uninsured or underinsured parties; it pays for you and your passengers’ injuries and damages. Let’s say someone hits your parked car and leaves the scene — a hit-and-run. UM would pay for your property damage even if you couldn’t get the other party’s insurance information. It also applies to drivers without insurance or drivers without high enough limits to make you whole again following an accident.
  • Medical payments coverage/personal injury protection (MedPay/PIP): MedPay and PIP cover you and your passengers’ medical bills. PIP also includes lost wages and child care costs you incurred due to an accident.


  • Collision insurance: Collision insurance will pay for your property damages, either repairing or replacing your car as a result of an accident.
  • Comprehensive coverage: Comprehensive coverage pays for your Land Rover’s physical damages from everything but collisions — for example, natural disasters, car theft, and vandalism.
  • Gap insurance: If you leased your vehicle or got a loan to pay for it, you’ll probably be required to carry gap insurance, which would pay for the remainder of your loan or lease if your car is totaled.


Gap insurance will reimburse you for your Land Rover’s actual cash value pre-accident, the depreciated value of what you paid for it. To get back what you paid for a new Rover before depreciation, you’ll need new car replacement coverage.

  • New car replacement coverage: This car replacement coverage will buy you a new Rover of the same model, ensuring you don’t lose money due to an accident beyond your collision or comprehensive deductible.
  • Rental car coverage: Is your Rover in the shop under a covered claim? Rental car coverage will pay for a rental car so you can still get around.
  • Roadside assistance: If you’re stuck on the side of the road, 24/7 roadside assistance can help, whether you need a tow, locksmith, or battery jump start.

Best Car Insurance for Land Rovers

On our list of the best car insurance for Land Rovers, we spotlighted companies such as State Farm, Liberty Mutual, Allstate, Farmers, and USAA. However, for Range Rovers more specifically, we recommend insurance companies such as Travelers, GEICO, and Progressive as well.

Other Costs of Ownership

As mentioned above, car insurance isn’t the only cost involved in owning a Land Rover. Like most vehicles, aside from classic cars, Land Rovers lose value as soon as you drive them off the lot. And in that time, you’ll also have to pay for maintenance and fuel.


Let’s say you just bought a 2023 Land Rover — congratulations! The bad news: Within five years and a total of 60,000 miles, the car’s value will be just 44 percent of what you paid for it originally, according to CarEdge.5

Years old Depreciation Residual value Resale value Mileage Resale year
1 $1,927 99% $129,184 12,000 2022
2 $36,396 72% $94,715 24,000 2023
3 $47,856 64% $83,255 36,000 2024
4 $56,496 57% $74,615 48,000 2025
5 $73,488 44% $57,623 60,000 2026
6 $83,282 36% $47,829 72,000 2027
7 $86,245 34% $44,866 84,000 2028
8 $91,607 30% $39,504 96,000 2029
9 $94,216 28% $36,895 108,000 2030
10 $102,031 22% $29,080 120,000 2031


The average annual cost of Land Rover repairs is $1,174, with problems such as defective vehicle height sensors and suspension faults.6 Of course, maintenance costs vary based on mileage and a slew of other factors, like the ZIP codes of the car owner.


The average 2023 Land Rover model gets 20 miles per gallon (mpg) combined highway/city or 18 city mpg and 23 highway mpg.7

Model Combined city/highway miles per gallon City miles per gallon Highway miles per gallon
Land Rover Defender 90 19 18 21
Land Rover Discovery 21 19 22
Land Rover Discovery MHEV 22 19 25
Land Rover Defender 110 18 17 20
Land Rover Defender 110 MHEV 20 18 23
Land Rover Defender 90 MHEV 20 18 23
Land Rover Defender 90 16 15 19
Land Rover Defender 110 16 14 19
Land Rover Range Rover Evoque 22 20 27
Land Rover Discovery Sport 20 19 23
Land Rover Range Rover Evoque NHEV 23 21 26
Land Rover New Range Rover Sport 18 16 21
Land Rover Range Rover Velar 23 20 26
Land Rover Range Rover Velar P340 MHEV 22 20 26
Land Rover Range Rover Velar P400 MHEV 21 19 25
Land Rover Range Rover Velar P360 MHEV 21 18 26
Land Rover New Range Rover P400 MHEV 21 18 26
Land Rover New Range Rover P400 LWB MHEV 21 18 26
Land Rover New Range Rover P360 LWB MHEV 21 18 26
Land Rover New Range Rover Sport P360 MHEV 22 19 26
Land Rover New Range Rover Sport P400 MHEV 21 18 26
Land Rover Defender 130 P300 MHEV 19 17 21
Land Rover Defender 130 P400 MHEV 19 17 21
Land Rover New Range Rover 18 16 21
Land Rover New Range Rover LWB 18 16 21
Land Rover New Range Rover 18 16 21

In general, larger vehicles like Land Rovers use more fuel than sedans do, so keep gas prices in mind when you’re considering buying a Land Rover or Range Rover.

If you want to save, consider one of Land Rover’s mild hybrid electric vehicles (MHEVs), which have an average of 21 combined highway/city mpg, 18 city mpg and 25 highway mpg. Although this vehicle isn’t entirely electric, it uses a small battery instead of the engine when you’re stationary, braking, or coasting.8 Interested in a fully electric vehicle? Check out our list of the best electric vehicle insurance options.


Last but not least, you may have to pay finance charges if you got a loan or lease for your vehicle.


Make sure you get one of the best new car loans with a low APR (annual percentage rate). If you already have a loan, you may be able to get a lower rate by refinancing.


Land Rovers certainly aren’t the cheapest cars to insure or own. To learn about a more affordable car, check out our page on the best insurance for Hyundai, or keep reading the FAQs below to learn more about insuring Land Rovers.

Frequently Asked Questions

Is a Range Rover expensive to insure?

Yes, Range Rovers are expensive to insure. On average, insurance for all models of Range Rovers costs just over $1,915 annually, compared with the national average of $1,047, according to the National Association of Insurance Commissioners.

Can you get insured on a Range Rover?

Yes, you can get insured on a Range Rover by following one of these options:

  • Contact your insurance agent and have them add your car to your existing policy, unlocking a multivehicle discount.
  • Get a new insurance policy by requesting a car insurance quote from
  • Get free quotes from multiple insurance professionals directly so you can compare Range Rover car insurance rates.
  • Contact an insurance broker who can shop multiple providers for you.

What are the cons of owning a Range Rover?

The cons of owning a Range Rover are high purchase prices, inflated insurance prices and repair costs, and low mileage per gallon.


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  2. Your Driving Costs. AAA. (2023).



  5. Land Rover Range Rover Depreciation. CarEdge. (2023).

  6. Land Rover Repair & Maintenance Costs. Repair Pal. (2023).

  7. Fuel Economy of 2023 Land Rover Vehicles. U.S. Department of Energy. (2023).

  8. HYBRID EVOQUE – SO WHAT IS MHEV? Land Rover. (2023).