Compare Land Rover Car Insurance Rates [2023]

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:

• 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.

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.

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.