Compare Land Rover Car Insurance Rates [2023]
The average Land Rover driver pays about $172 a month for car insurance, which is more than the national average. However, most Land Rover car insurance rates are lower compared to many other luxury brands.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 16, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- British-based Land Rover is known for its reliability, luxury ride, and off-road capabilities
- As a luxury brand, Land Rover car insurance rates are higher than those for standard vehicles
- Although car insurance rates for Land Rovers are high, they’re more affordable than many other luxury brands
As one of the most iconic British brands on the market, Land Rover is a popular choice for drivers looking to mix luxury with off-road capabilities. Luxury car insurance always costs more than standard coverage, but Land Rover drivers typically see slightly more affordable rates.
The primary reason Land Rover drivers see affordable luxury car insurance rates is that they usually have high safety ratings. On the other end of the scale, luxury car insurance costs more because the vehicles cost more to repair and replace. With some models costing over $100,000, Land Rovers are expensive to repair or replace.
Read on to learn more about Land Rover car insurance, including how to find the cheapest rates. Then compare Land Rover car insurance rates to find the best policy for your vehicle.
How much does Land Rover car insurance cost?
The average Land Rover driver pays about $172 a month for car insurance, which is about $30 more than the national average. Compared with other luxury brands, Land Rover insurance is a bit more on the affordable side.
Several factors affect your Land Rover car insurance rates, which companies use to determine how much you’ll pay for coverage. These factors include:
- Land-Rover Car Insurance
- Age and gender
- Credit score
- Location
- Driving record
- Your vehicle
- Marital status
The amount of coverage you want for your Land Rover also affects your rates. For example, the minimum amount of coverage required in your state is your cheapest option for coverage. It doesn’t protect your vehicle, but it’ll keep your costs low. Full coverage gives your Land Rover more protection, but it costs more.
Finally, the model you buy will affect your rates, with some models costing less than others. Check below to see how much you might pay for insurance based on the model you buy.
Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
---|---|---|---|---|
2023 Land Rover Range Rover Evoque | $36 | $64 | $42 | $157 |
2023 Land Rover Discovery Sport | $37 | $67 | $42 | $161 |
2023 Land Rover Range Rover Sport | $43 | $81 | $42 | $182 |
2023 Land Rover Range Rover | $45 | $87 | $42 | $190 |
As you can see, the Range Rover is the most expensive Land Rover model to insure with an average rate of nearly $200 a month. However, the model you buy isn’t the only factor companies look at when crafting your rates.
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What types of insurance should you buy for a Land Rover?
When you buy a Land Rover, you have two main options for a car insurance policy. The first option is minimum insurance, which is the least amount of coverage required in your state. Minimum insurance is an excellent option for older, less valuable cars since it’s your cheapest option for coverage. However, many Land Rover drivers want more coverage, even if their vehicle is older.
Your second option is full coverage. Full coverage costs more but offers much better protection for your Land Rover. When you buy a full coverage policy, you’ll get the following types of car insurance:
- Liability: Liability car insurance pays for damage and injuries you cause to other people and their cars. It never pays for damage to your own vehicle.
- Collision: If you want help with your car repairs, you need collision car insurance. Collision insurance also covers you if you hit an object, like a parked car.
- Comprehensive: Comprehensive car insurance covers life’s unexpected events, including fire, floods, extreme weather, animals, vandalism, and theft.
- Uninsured/underinsured motorist: Although most states require insurance, not everyone has it. Uninsured motorist coverage protects you from drivers without enough coverage.
- Personal injury protection/medical payments: Medical payments and personal injury protection insurance pay your health care expenses after an accident. It usually covers your passengers as well.
Since Land Rovers are expensive vehicles, most owners choose to add additional coverage to their policy even when their car is older. Popular add-ons for Land Rover owners include rental car reimbursement, Gap insurance, and roadside assistance.
While adding coverage to your policy means your car will be better protected, you should only buy what you need. Purchasing additional coverage can drastically increase your rates. If you’re unsure how much coverage you need, an insurance representative can help.
Tips to Save on Your Land Rover Car Insurance
As a luxury brand, Land Rover car insurance is always higher than standard coverage. However, most models have insurance rates that are a little more affordable than similar luxury brands.
Despite the overall affordability of Land Rover car insurance, there are always ways to save more. If you’re looking for the cheapest car insurance for your Land Rover, try the following techniques:
- Find discounts. Commonly offered car insurance discounts for Land Rover drivers include bundling multiple policies, remaining claims-free, and having multiple cars on the same policy.
- Raise your deductible. Your deductible is the portion you pay before your insurance kicks in. You can save on your monthly rates by choosing a higher deductible, but you’ll have to pay more. Here’s how to find your car insurance deductible.
- Keep your record clean. Car insurance companies check driving records, so drivers with traffic incidents like speeding tickets and at-fault accidents pay more for insurance. You can keep your rates low simply by avoiding citations.
- Enroll in telematics. Usage-based car insurance programs track your driving habits, including speeding, hard braking, and mileage. If you regularly drive safely, a telematics program might be right for you.
- Keep your car safe. Most insurance companies offer lower rates if your Land Rover has safety features like anti-lock brakes, GPS tracking, and audible alarms. You can also keep rates low by parking in a safe location when you’re not using your car. Find safety features car insurance discounts here.
The tips listed above are great ways to find affordable Land Rover car insurance. However, the most important step to take is to compare car insurance quotes with as many companies as possible. If you don’t compare personalized quotes, you’ll likely overpay for your insurance.
Find the Best Land Rover Insurance Today
Luxury car insurance is always more expensive than standard coverage, primarily because it costs more to repair or replace expensive vehicles. Despite being a luxury brand, Land Rovers generally come with lower car insurance rates. While rates are usually affordable, there are plenty of ways to find even more savings.
Finding lower car insurance rates for a Land Rover is a simple task if you find discounts, try telematics, and keep your driving record clean. However, the most important step to take is comparing quotes with as many companies as possible.
Frequently Asked Questions
How much does car insurance for a Land Rover cost?
The cost of car insurance for a Land Rover can vary depending on several factors, including the model of the Land Rover, your location, your driving history, and the coverage options you choose. To get an accurate estimate, it’s best to request quotes from different insurance providers and compare their rates.
What are the common coverage options for Land Rover Car Insurance?
Common coverage options for Land Rover car insurance include:
- Liability Coverage: This coverage is typically required by law and includes bodily injury liability and property damage liability. It helps cover costs if you cause an accident that results in injuries to others or damage to their property.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, fire, or damage caused by severe weather.
- Collision Coverage: Collision coverage helps pay for repairs or replacement of your Land Rover if it is damaged in a collision, regardless of fault.
- Medical Payments Coverage: This coverage helps cover medical expenses for you and your passengers in the event of an accident.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
What factors can affect the cost of Land Rover Car Insurance?
Several factors can influence the cost of Land Rover car insurance, including:
- Vehicle Model: The specific model of your Land Rover will impact insurance rates. More expensive models or those with higher repair costs may result in higher premiums.
- Location: The area where you live can affect insurance rates. Factors such as crime rates, traffic congestion, and the number of accidents in the area are considered.
- Driving Record: Your driving history and any previous accidents or traffic violations can impact your insurance rates. A clean driving record usually results in lower premiums.
- Age and Experience: Younger drivers and those with less driving experience often face higher insurance rates.
- Coverage and Deductibles: The level of coverage you choose and the deductibles you select can affect your premiums. Higher coverage limits and lower deductibles may result in higher premiums.
Are there any discounts available for Land Rover Car Insurance?
Yes, there are often discounts available for Land Rover car insurance. Some common discounts include:
- Multi-Policy Discount: Bundling your Land Rover insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations may make you eligible for lower premiums.
- Safety Feature Discount: Land Rovers often come equipped with safety features. Having features such as anti-lock brakes, airbags, and anti-theft systems can help lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your Land Rover insurance.
- Membership Discounts: Some insurance companies offer discounts to members of certain organizations or professional associations.
How can I find affordable Land Rover Car Insurance?
To find affordable Land Rover car insurance, consider the following tips:
- Shop Around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, make sure you can comfortably afford the deductible amount if you need to make a claim.
- Maintain a Good Driving Record: A clean driving record can help keep your insurance rates down. Avoid accidents and traffic violations to maintain a good driving history.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any based on your circumstances. Discounts can significantly lower your insurance premiums.
- Review Coverage Regularly: Periodically review your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help save money.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.