Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
Last updated :
The average car insurance cost for Land Rover vehicles is $3,776 per year or $315 per month. Land Rover car insurance costs vary depending on the model you own. Whether you drive a sedan or a powerful SUV, it's important to know how much insurance will cost and how to reduce it.
Below, we look at the average car insurance cost for Land Rover cars by model. We also highlight the most and least expensive models to insure and share tips to help you save money.
How much does Land Rover insurance cost?
On average, Land Rover drivers pay $3,776 per year or $315 per month for full coverage car insurance.
The average cost of insuring Land Rover vehicles is $1,113, which is more than the national average, though some models cost much less or much more than others.
| Vehicle model | Liability-only (50/100/50) | Full coverage (100/300/100, $500 ded.) |
|---|---|---|
| Defender | $1,234 | $3,597 |
| Discovery | $1,201 | $3,237 |
| Discovery Sport | $1,148 | $2,647 |
| Range Rover | $1,169 | $4,790 |
| Range Rover Evoque | $1,201 | $2,887 |
| Range Rover Sport | $1,202 | $4,448 |
| Range Rover Velar | $1,167 | $3,373 |
Tip
If you're shopping for a new or used Land Rover, compare car insurance rates before you buy so you know your estimated rate ahead of time and aren't surprised by the cost.
Land Rover car insurance cost by model
Here's a closer look at average monthly premiums for popular Land Rover models. Rates are based on a 40-year-old driver with a clean record and full coverage.
| Vehicle model | Monthly premium |
|---|---|
| Defender | $300 |
| Discovery | $270 |
| Discovery Sport | $221 |
| Range Rover | $399 |
| Range Rover Evoque | $241 |
| Range Rover Sport | $371 |
| Range Rover Velar | $281 |
Choose Your Vehicle Model
Land Rover Discovery insurance cost
- The average car insurance cost for Discovery is $3,261 per year.
- Trim Level - Discovery P300 Dynamic SE, Discovery P300 S, Discovery P360 Dynamic SE, Discovery P360 Metropolitan Edition
The average cost to insure Land Rover Discovery is around $3,261 per year for full coverage, which is $272 per month.
For liability-only coverage, the cost is around $972 per year, or about $81 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Land Rover Discovery with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Land Rover models.
| Year and model | Average annual premium |
|---|---|
| 2024 Land Rover Discovery | $3,261 |
| 2023 Land Rover Discovery | $3,104 |
| 2022 Land Rover Discovery | $2,975 |
| 2021 Land Rover Discovery | $2,797 |
| 2020 Land Rover Discovery | $2,721 |
| 2019 Land Rover Discovery | $2,635 |
| 2018 Land Rover Discovery | $2,569 |
| 2017 Land Rover Discovery | $2,488 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,561 | $213 |
| Nationwide | $2,897 | $241 |
| Progressive | $2,903 | $242 |
| GEICO | $3,282 | $274 |
| Allstate | $3,867 | $322 |
| Farmers | $4,054 | $338 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,919 | 10% more |
| Alaska | $3,028 | 14% more |
| Arizona | $2,939 | 10% more |
| Arkansas | $3,605 | 35% more |
| California | $4,132 | 55% more |
| Colorado | $4,256 | 60% more |
| Connecticut | $3,257 | 22% more |
| Delaware | $3,103 | 17% more |
| Florida | $3,465 | 30% more |
| Georgia | $4,008 | 51% more |
| Hawaii | $1,827 | 31% less |
| Idaho | $2,019 | 24% less |
| Illinois | $3,080 | 16% more |
| Indiana | $2,840 | 7% more |
| Iowa | $3,183 | 20% more |
| Kansas | $3,911 | 47% more |
| Kentucky | $3,845 | 44% more |
| Louisiana | $4,813 | 81% more |
| Maine | $2,124 | 20% less |
| Maryland | $3,016 | 13% more |
| Massachusetts | $2,915 | 9% more |
| Michigan | $4,143 | 56% more |
| Minnesota | $3,796 | 43% more |
| Mississippi | $3,179 | 19% more |
| Missouri | $4,336 | 63% more |
| Montana | $3,676 | 38% more |
| Nebraska | $3,759 | 41% more |
| Nevada | $2,910 | 9% more |
| New Hampshire | $2,448 | 8% less |
| New Jersey | $2,744 | 3% more |
| New Mexico | $3,257 | 22% more |
| New York | $2,476 | 7% less |
| North Carolina | $2,734 | 3% more |
| North Dakota | $3,094 | 16% more |
| Ohio | $2,159 | 19% less |
| Oklahoma | $3,535 | 33% more |
| Oregon | $2,809 | 5% more |
| Pennsylvania | $3,264 | 23% more |
| Rhode Island | $3,959 | 49% more |
| South Carolina | $2,963 | 11% more |
| South Dakota | $4,594 | 73% more |
| Tennessee | $3,723 | 40% more |
| Texas | $4,474 | 68% more |
| Utah | $2,536 | 5% less |
| Vermont | $2,190 | 18% less |
| Virginia | $2,196 | 18% less |
| Washington | $2,670 | Equal |
| Washington, D.C. | $3,824 | 44% more |
| West Virginia | $2,947 | 11% more |
| Wisconsin | $2,607 | 2% less |
| Wyoming | $3,690 | 39% more |
Land Rover Range Rover insurance cost
The cost to insure a Land Rover Range Rover can vary based on the model year, your location, and the company you choose. Insurance rates tend to be higher for newer models and may differ from state to state. Shopping around and comparing quotes is the best way to save.
Below you'll find tables listing:
- Rates by model - average annual premiums for different model years
- Rates by company - what major insurers charge
- Rates by state - how location affects the cost of coverage
| Year and model | Average annual premium |
|---|---|
| 2024 Land Rover Range Rover | $4,797 |
| 2023 Land Rover Range Rover | $4,590 |
| 2022 Land Rover Range Rover | $4,258 |
| 2021 Land Rover Range Rover | $4,037 |
| 2020 Land Rover Range Rover | $3,958 |
| 2019 Land Rover Range Rover | $3,682 |
| 2018 Land Rover Range Rover | $3,537 |
| 2017 Land Rover Range Rover | $3,306 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $3,344 | $279 |
| State Farm | $4,020 | $335 |
| GEICO | $4,812 | $401 |
| Nationwide | $4,940 | $412 |
| Farmers | $5,061 | $422 |
| Allstate | $6,602 | $550 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $4,046 | 52% more |
| Alaska | $4,011 | 51% more |
| Arizona | $4,060 | 52% more |
| Arkansas | $5,327 | 100% more |
| California | $5,991 | 125% more |
| Colorado | $6,337 | 138% more |
| Connecticut | $4,935 | 85% more |
| Delaware | $4,610 | 73% more |
| Florida | $4,549 | 71% more |
| Georgia | $5,659 | 113% more |
| Hawaii | $2,788 | 5% more |
| Idaho | $3,080 | 16% more |
| Illinois | $4,369 | 64% more |
| Indiana | $4,153 | 56% more |
| Iowa | $4,939 | 85% more |
| Kansas | $5,956 | 124% more |
| Kentucky | $6,261 | 135% more |
| Louisiana | $7,288 | 174% more |
| Maine | $3,371 | 27% more |
| Maryland | $4,608 | 73% more |
| Massachusetts | $4,328 | 63% more |
| Michigan | $5,559 | 109% more |
| Minnesota | $5,909 | 122% more |
| Mississippi | $5,436 | 104% more |
| Missouri | $6,940 | 161% more |
| Montana | $5,622 | 111% more |
| Nebraska | $5,658 | 112% more |
| Nevada | $3,901 | 46% more |
| New Hampshire | $3,856 | 45% more |
| New Jersey | $3,821 | 43% more |
| New Mexico | $4,816 | 81% more |
| New York | $2,951 | 11% more |
| North Carolina | $4,119 | 55% more |
| North Dakota | $4,759 | 79% more |
| Ohio | $2,944 | 11% more |
| Oklahoma | $4,919 | 85% more |
| Oregon | $4,004 | 50% more |
| Pennsylvania | $4,790 | 80% more |
| Rhode Island | $5,898 | 121% more |
| South Carolina | $4,556 | 71% more |
| South Dakota | $7,366 | 177% more |
| Tennessee | $5,417 | 103% more |
| Texas | $5,908 | 122% more |
| Utah | $3,428 | 29% more |
| Vermont | $3,884 | 46% more |
| Virginia | $3,160 | 19% more |
| Washington | $3,604 | 35% more |
| Washington, D.C. | $5,816 | 118% more |
| West Virginia | $4,660 | 75% more |
| Wisconsin | $3,865 | 45% more |
| Wyoming | $5,624 | 111% more |
Read more about Land Rover Range Rover insurance cost in 2025
Cheapest Land Rover models to insure
If you are looking for the most economical Land Rover vehicles to insure, these models have the lowest auto insurance rates:
- Discovery Sport P250 S - $2,625
- Discovery Sport P250 Dynamic SE - $2,715
- Range Rover Evoque P250 S - $2,877
- Range Rover Evoque P250 Dynamic SE - $3,001
Why are these models cheaper to insure?
These models may be cheaper to insure for a few reasons:
- Strong safety ratings and advanced safety features. Safer vehicles reduce the risk of injuries and accidents.
- Lower repair costs. Vehicles with readily available, affordable parts are cheaper to insure.
- Lower frequency of claims based on historical data. Insurance companies use this information to set lower rates for models with a good track record.
Most expensive Land Rover models to insure
Some Land Rover vehicles have a higher price tag—and that includes insurance. These models tend to have higher horsepower, costlier parts and a greater risk profile.
- Range Rover P615 SV SWB - $5,088
- Range Rover P615 SV LWB - $5,055
- Range Rover P530 Autobiography LWB - $4,907
- Range Rover P530 Autobiography SWB - $4,856
Why are these models expensive to insure?
These models may be more expensive to insure because:
- They cost more to repair or replace if damaged or stolen.
- They may have powerful engines, which means a higher risk of speeding and therefore, accidents.
- Thieves target them more often.
- They often have expensive parts and advanced tech that are costly to fix.
What factors affect car insurance rates for Land Rover?
Several factors influence your insurance rate—some related to the car, others to you as the driver.
- Model and trim level: Performance features and size impact pricing.
- Vehicle age: Newer cars often cost more to insure.
- Safety ratings: Vehicles with more safety tech often earn discounts.
- Driver profile: Your age, ZIP code, credit score and driving history play a big role.
- Coverage level: Full coverage costs more than minimum liability, but provides better protection.
How to save on car insurance if you own Land Rover
Car insurance can be a big expense, but there are ways to save money. If you drive a Land Rover, you might be able to lower your costs by making smart choices. Here are some steps to save on insurance for your Land Rover:
- Shop around - Compare quotes from multiple insurers annually
- Increase deductibles - Opt for a higher deductible to lower premiums
- Bundle policies - Combine auto and home or renters insurance
- Ask about discounts - Safe driver, low mileage, good student and more
- Use telematics - Usage-based programs reward good driving habits
Bottom line
Land Rover offers a wide range of vehicles. While insurance costs vary by model, knowing the averages and understanding what affects your rate can help you make smart coverage decisions.
Want the best rate on Land Rover car insurance? Start by comparing quotes today and see how much you could save.
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage