When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Land Rover car insurance is $4,131 a year or $344 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Land Rover is $4,131 per year.
- The Discovery Sport is the cheapest Land Rover model to insure.
- Advanced safety features that come standard on Land Rover models help lower your insurance costs.
Average cost of car insurance for a Land Rover, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Land Rover car insurance rates from various insurance companies.
Cost to insure a Land Rover, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,570 | $1,285 | $214 |
| State Farm | $3,431 | $1,716 | $286 |
| Progressive | $3,615 | $1,808 | $301 |
| Nationwide | $3,695 | $1,848 | $308 |
| GEICO | $3,856 | $1,928 | $321 |
| Farmers | $5,372 | $2,686 | $448 |
| Allstate | $5,396 | $2,698 | $450 |
| USAA | $2,853 | $1,427 | $238 |
Land Rover average insurance rates, by model
Land Rover Discovery Sport car insurance cost
The average car insurance premium for Land Rover Discovery Sport is $254 per month, which translates to $3,048 per year. The most affordable company for a Land Rover Discovery Sport is Travelers with a rate of $169 monthly or $2,032 per year.
Land Rover Range Rover Evoque car insurance cost
On average, car insurance for a Land Rover Range Rover Evoque costs $263 a month or $3,151 per year. Travelers has the cheapest car insurance cost for a Land Rover Range Rover Evoque at $174 per month, equating to $2,091 annually.
Land Rover Discovery car insurance cost
The average car insurance premium is $283 per month, which adds up to $3,399 each year for a Land Rover Discovery. Travelers is the cheapest car insurance company, with a monthly rate of $178 , which translates to an annual cost of $2,138 .
Land Rover Range Rover Velar car insurance cost
The monthly car insurance cost for a Land Rover Range Rover Velar is $310 , which translates to $3,722 annually. Travelers tops the list of the most affordable car insurance companies, with an average cost of $2,403 a year or $200 per month.
Land Rover Defender car insurance cost
The average monthly car insurance premium for a Land Rover Defender is $319 , which totals $3,825 annually. Travelers offers the cheapest rate at $196 per month or $2,355 annually.
Land Rover Range Rover Sport car insurance cost
The average car insurance premium for Land Rover Range Rover Sport is $396 per month, which translates to $4,751 per year. The most affordable company for a Land Rover Range Rover Sport is Travelers with a rate of $226 monthly or $2,714 per year.
Insurance rates by car model
The average cost of car insurance for a Land Rover, by age
The cost of Land Rover car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Land Rover based on the driver’s age.
Cost to insure a Land Rover, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Land Rover Defender | $12,398 | $6,199 | $1,033 |
| 18 | Land Rover Discovery | $10,926 | $5,463 | $910 |
| 18 | Land Rover Discovery Sport | $9,982 | $4,991 | $832 |
| 18 | Land Rover Range Rover | $16,499 | $8,250 | $1,375 |
| 18 | Land Rover Range Rover Evoque | $10,427 | $5,213 | $869 |
| 18 | Land Rover Range Rover Sport | $15,232 | $7,616 | $1,269 |
| 18 | Land Rover Range Rover Velar | $12,097 | $6,049 | $1,008 |
Cost to insure a Land Rover, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Land Rover Defender | $3,825 | $1,913 | $319 |
| 40 | Land Rover Discovery | $3,399 | $1,700 | $283 |
| 40 | Land Rover Discovery Sport | $3,048 | $1,524 | $254 |
| 40 | Land Rover Range Rover | $5,197 | $2,598 | $433 |
| 40 | Land Rover Range Rover Evoque | $3,151 | $1,576 | $263 |
| 40 | Land Rover Range Rover Sport | $4,751 | $2,375 | $396 |
| 40 | Land Rover Range Rover Velar | $3,722 | $1,861 | $310 |
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Land Rover car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Land Rover car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Land Rover car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,826 | $1,913 | $319 |
| Alabama | $3,703 | $1,851 | $309 |
| Arkansas | $4,909 | $2,454 | $409 |
| Arizona | $4,267 | $2,134 | $356 |
| California | $5,180 | $2,590 | $432 |
| Colorado | $4,748 | $2,374 | $396 |
| Connecticut | $4,490 | $2,245 | $374 |
| Washington, D.C. | $5,569 | $2,784 | $464 |
| Delaware | $4,554 | $2,277 | $380 |
| Florida | $4,151 | $2,076 | $346 |
| Georgia | $3,914 | $1,957 | $326 |
| Hawaii | $2,267 | $1,134 | $189 |
| Iowa | $3,908 | $1,954 | $326 |
| Idaho | $2,825 | $1,412 | $235 |
| Illinois | $3,371 | $1,685 | $281 |
| Indiana | $2,849 | $1,425 | $237 |
| Kansas | $4,473 | $2,237 | $373 |
| Kentucky | $4,889 | $2,445 | $407 |
| Louisiana | $6,836 | $3,418 | $570 |
| Massachusetts | $3,614 | $1,807 | $301 |
| Maryland | $4,460 | $2,230 | $372 |
| Maine | $2,694 | $1,347 | $224 |
| Michigan | $5,456 | $2,728 | $455 |
| Minnesota | $3,973 | $1,987 | $331 |
| Missouri | $4,267 | $2,134 | $356 |
| Mississippi | $5,003 | $2,502 | $417 |
| Montana | $4,333 | $2,167 | $361 |
| North Carolina | $3,647 | $1,824 | $304 |
| North Dakota | $3,653 | $1,826 | $304 |
| Nebraska | $4,437 | $2,219 | $370 |
| New Hampshire | $2,914 | $1,457 | $243 |
| New Jersey | $4,321 | $2,161 | $360 |
| New Mexico | $4,215 | $2,108 | $351 |
| Nevada | $4,835 | $2,418 | $403 |
| New York | $4,423 | $2,212 | $369 |
| Ohio | $2,766 | $1,383 | $231 |
| Oklahoma | $4,628 | $2,314 | $386 |
| Oregon | $3,324 | $1,662 | $277 |
| Pennsylvania | $4,040 | $2,020 | $337 |
| Rhode Island | $4,561 | $2,280 | $380 |
| South Carolina | $4,560 | $2,280 | $380 |
| South Dakota | $5,326 | $2,663 | $444 |
| Tennessee | $3,686 | $1,843 | $307 |
| Texas | $4,572 | $2,286 | $381 |
| Utah | $3,098 | $1,549 | $258 |
| Virginia | $3,367 | $1,683 | $281 |
| Vermont | $2,884 | $1,442 | $240 |
| Washington | $3,167 | $1,583 | $264 |
| Wisconsin | $4,134 | $2,067 | $344 |
| West Virginia | $3,594 | $1,797 | $300 |
| Wyoming | $3,351 | $1,676 | $279 |
Average car insurance cost for different vehicle makes
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To find affordable Land Rover car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Land Rover models to insure
Smaller, budget-friendly Land Rover models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Land Rover models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
How to save on car insurance for a Land Rover
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Land Rover discounts on car insurance
You can take advantage of all the available discounts to lower your Land Rover car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Land Rover auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Land Rover insurance? It will depend on which model you choose. Land Rover builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Land Rover
Land Rover, renowned for its premium SUVs, is a British automobile brand dating to 1948. The brand, originally a model name under the Rover Company, gained popularity for its rugged vehicles designed with off-road capabilities. Over the years, Land Rover has evolved, introducing a range of luxury vehicles while maintaining its robustness.
Final thoughts on Land Rover insurance costs
Land Rover makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Land Rover model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Land Rover?
Your driving history is one of the many factors affecting your Land Rover car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Land Rover affect the insurance premium?
The color of your Land Rover does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Land Rover affect insurance costs?
Your Land Rover’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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