If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
The average cost of Land Rover car insurance is $3,755 a year or $313 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 $3,755 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 |
|---|---|---|---|
| State Farm | $2,971 | $1,486 | $248 |
| Progressive | $3,044 | $1,522 | $254 |
| Nationwide | $3,439 | $1,719 | $287 |
| Geico | $3,507 | $1,754 | $292 |
| Farmers | $4,523 | $2,261 | $377 |
| Allstate | $5,172 | $2,586 | $431 |
Land Rover average insurance rates, by model
Land Rover Discovery Sport car insurance cost
Car insurance costs $221 per month or $2,647 a year on average for a Land Rover Discovery Sport, according to CarInsurance.com’s data study. Nationwide has the cheapest car insurance rates for Land Rover Discovery Sport among the companies analyzed. Its average annual cost for a Land Rover Discovery Sport is $1,843 or $154 per month.
Land Rover Range Rover Evoque car insurance cost
On average, car insurance for a Land Rover Range Rover Evoque costs $241 a month or $2,887 per year. State Farm has the cheapest car insurance cost for a Land Rover Range Rover Evoque at $172 per month, equating to $2,060 annually.
Land Rover Discovery car insurance cost
For Land Rover Discovery owners, the average car insurance cost is $270 per month or $3,237 annually. State Farm offers the most affordable insurance premiums with an average annual cost of $2,561 or $213 per month.
Land Rover Range Rover Velar car insurance cost
The monthly car insurance cost for a Land Rover Range Rover Velar is $281, which translates to $3,373 annually. State Farm tops the list of the most affordable car insurance companies, with an average cost of $2,676 a year or $223 per month.
Land Rover Defender car insurance cost
The average car insurance premium for Land Rover Defender is $300 per month, which translates to $3,597 per year. The most affordable company for a Land Rover Defender is State Farm with a rate of $233 monthly or $2,792 per year.
Land Rover Range Rover Sport car insurance cost
The average car insurance premium for Land Rover Range Rover Sport is $371 per month, which translates to $4,448 per year. The most affordable company for a Land Rover Range Rover Sport is Progressive with a rate of $268 monthly or $3,211 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 a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Land Rover by 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 | $13,414 | $6,707 | $1,118 |
| 18 | Land Rover Discovery | $11,914 | $5,957 | $993 |
| 18 | Land Rover Discovery Sport | $10,025 | $5,012 | $835 |
| 18 | Land Rover Range Rover | $17,040 | $8,520 | $1,420 |
| 18 | Land Rover Range Rover Evoque | $10,906 | $5,453 | $909 |
| 18 | Land Rover Range Rover Sport | $15,883 | $7,942 | $1,324 |
| 18 | Land Rover Range Rover Velar | $12,511 | $6,255 | $1,043 |
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 | $3,597 | $1,798 | $300 |
| 40 | Land Rover Discovery | $3,237 | $1,618 | $270 |
| 40 | Land Rover Discovery Sport | $2,647 | $1,323 | $221 |
| 40 | Land Rover Range Rover | $4,790 | $2,395 | $399 |
| 40 | Land Rover Range Rover Evoque | $2,887 | $1,444 | $241 |
| 40 | Land Rover Range Rover Sport | $4,448 | $2,224 | $371 |
| 40 | Land Rover Range Rover Velar | $3,373 | $1,686 | $281 |
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 | $3,386 | $1,693 | $282 |
| Alabama | $3,327 | $1,664 | $277 |
| Arkansas | $4,113 | $2,056 | $343 |
| Arizona | $3,384 | $1,692 | $282 |
| California | $4,828 | $2,414 | $402 |
| Colorado | $4,973 | $2,487 | $414 |
| Connecticut | $3,807 | $1,903 | $317 |
| Washington, D.C. | $4,384 | $2,192 | $365 |
| Delaware | $3,606 | $1,803 | $300 |
| Florida | $3,833 | $1,917 | $319 |
| Georgia | $4,618 | $2,309 | $385 |
| Hawaii | $2,022 | $1,011 | $168 |
| Iowa | $3,687 | $1,843 | $307 |
| Idaho | $2,480 | $1,240 | $207 |
| Illinois | $3,629 | $1,814 | $302 |
| Indiana | $3,258 | $1,629 | $272 |
| Kansas | $4,439 | $2,219 | $370 |
| Kentucky | $4,697 | $2,349 | $391 |
| Louisiana | $5,553 | $2,776 | $463 |
| Massachusetts | $3,412 | $1,706 | $284 |
| Maryland | $3,492 | $1,746 | $291 |
| Maine | $2,593 | $1,296 | $216 |
| Michigan | $4,580 | $2,290 | $382 |
| Minnesota | $4,332 | $2,166 | $361 |
| Missouri | $5,170 | $2,585 | $431 |
| Mississippi | $3,848 | $1,924 | $321 |
| Montana | $4,215 | $2,107 | $351 |
| North Carolina | $3,425 | $1,712 | $285 |
| North Dakota | $3,674 | $1,837 | $306 |
| Nebraska | $4,400 | $2,200 | $367 |
| New Hampshire | $2,852 | $1,426 | $238 |
| New Jersey | $3,137 | $1,569 | $261 |
| New Mexico | $3,912 | $1,956 | $326 |
| Nevada | $3,245 | $1,623 | $270 |
| New York | $2,625 | $1,312 | $219 |
| Ohio | $2,534 | $1,267 | $211 |
| Oklahoma | $4,042 | $2,021 | $337 |
| Oregon | $3,358 | $1,679 | $280 |
| Pennsylvania | $3,789 | $1,895 | $316 |
| Rhode Island | $4,486 | $2,243 | $374 |
| South Carolina | $3,323 | $1,661 | $277 |
| South Dakota | $5,289 | $2,644 | $441 |
| Tennessee | $4,268 | $2,134 | $356 |
| Texas | $5,011 | $2,505 | $418 |
| Utah | $2,911 | $1,456 | $243 |
| Virginia | $2,537 | $1,269 | $211 |
| Vermont | $2,798 | $1,399 | $233 |
| Washington | $2,995 | $1,497 | $250 |
| Wisconsin | $3,032 | $1,516 | $253 |
| West Virginia | $3,603 | $1,802 | $300 |
| Wyoming | $4,377 | $2,189 | $365 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Land Rover car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
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.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“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, a senior agent with A Plus Insurance. “If you are younger and 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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
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
To reduce the cost of your Land Rover insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
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?
Land Rover car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare 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?
Yes, your driving record has a significant impact on your Land Rover’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Land Rover affect the insurance premium?
No, the color of your Land Rover does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Land Rover affect insurance costs?
The age of your Land Rover can influence your insurance costs. Older Land Rover models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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