Over the past year, Jerry has helped 3,336 Land Rover drivers find smarter coverage and real savings. By analyzing real Land Rover insurance policies, we know what owners are actually buying… and what you can expect to pay for each level of protection.
The most competitive annual rates for Land Rover drivers are currently around:
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$1,099 for basic coverage.
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$2,927 for standard coverage.
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$3,331 for premium coverage.
Your exact rate depends on individual factors like your driving record, location, and which Land Rover you drive.
Land Rover drivers typically pay between $3,000 and $6,265 per year for full coverage, averaging about $5,291. That’s higher than the national average of $4,056, reflecting the brand’s advanced engineering and higher repair costs for luxury materials and tech.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare rates and see if you’re getting the best protection at the best price for your Land Rover. If we find you a better deal, you can switch right away, even if you’re not yet up for renewal. Jerry also handles cancellation and helps you get any refund you’re owed.
Fast track your Land Rover insurance with Jerry.
How much does Land Rover insurance cost?
Land Rover insurance rates can vary widely, but Jerry makes it easy to see what real drivers with your model and profile are actually paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two Land Rover drivers can see premiums that differ by thousands per year. Jerry compares quotes from leading insurers to help you find coverage that fits your needs, lifestyle, and budget.
What’s the best Land Rover insurance?
Land Rovers combine performance, luxury, and all-terrain capability. Protecting that investment means choosing coverage that matches the vehicle’s craftsmanship, not buying just the legal minimum.
If you have a loan or lease on your Land Rover, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Land Rover drivers consider at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for a luxury SUV with complex repair costs and advanced systems.
No matter your lender, budget, or insurer, there are several coverage options worth considering. Here are the most common, what they include, and why Land Rover owners choose them.
Higher liability limits
Land Rovers have serious capability and power, making at-fault accidents expensive. About half (49%) of Jerry Land Rover drivers choose higher-than-minimum coverage for stronger protection.
Full coverage
Comprehensive and collision coverage protect your car from theft, weather damage, and at-fault accidents. It’s the choice for 46% of Jerry Land Rover drivers.
OEM parts coverage
Keeps your Land Rover performing like new with factory-certified parts and trained technicians. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your newer Land Rover if it’s totaled. With luxury SUVs costing more to repair or replace, this coverage can be especially valuable for newer models.
Roadside assistance
Covers towing, lockouts, and jump-starts. Land Rover provides free roadside assistance as long as you’re under warranty, but many drivers extend it for long-term peace of mind.
Rental reimbursement
Covers the cost of a rental while your Land Rover is in the shop. Most carriers offer 30 to 45 days of reimbursement, depending on your state and policy.
Gap insurance
Covers the remaining balance on your loan or lease if your Land Rover is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates steady after your first at-fault accident. Without it, Land Rover drivers see premiums rise by an average of 15%, and sometimes higher.
See coverage options for your Land Rover.
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Coverage definitions
Best 4 ways for Land Rover drivers to shop for insurance and lower costs
Getting the right car insurance means finding premium protection without overspending. But insuring a Land Rover can get complicated: repair costs, advanced tech, and model differences all affect what you pay.
Jerry’s experts work with Land Rover drivers every day to help lower premiums without compromising on protection. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 40% to 69% among Land Rover drivers |
| Stack discounts | 30% among Land Rover drivers |
| Adjust coverage | 26% to 49% among all drivers |
| Keep a clean driving record | 6% among Land Rover drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare insurers before renewing
Not every insurer gets Land Rover pricing right. Some overestimate repair costs, while others treat them like standard SUVs. That can mean big price gaps for identical coverage. A policy that’s pricey with one insurer may be a better deal with another.
Here’s where Land Rover drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Land Rover drivers who switched | Average Jerry savings |
|---|---|---|
| Kemper | 50% | 17% |
| Progressive | 50% | 54% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Shopping rates across carriers can cut Land Rover drivers’ premiums by over half in some cases. Jerry compares in real time so you can see which insurer is offering the best deal for you today.
Tip 2: Stack discounts to unlock hidden savings
Most Land Rover drivers qualify for multiple discounts tied to safe driving, built-in safety systems, and early renewals, but insurers don’t always apply them automatically.
Jerry finds every available discount and makes sure you get your full savings.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust coverage — what Land Rover drivers actually choose
From the Defender to the Range Rover Sport, Land Rovers balance performance with luxury. Most owners choose more than minimum coverage to protect their vehicles from high repair costs and preserve resale value.
Minimum
$79 – $176/mo
Offers the legal minimum limits, which vary by state.
Full
$204 – $437/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$250 – $530/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$279 – $576/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Land Rover drivers with newer models opt for full coverage and higher limits. Jerry experts recommend at least 100/300/100 for the right balance of cost and protection.
Tip 4: Use telematics to let your driving set your rate
Telematics programs track your mileage and driving habits through an app or plug-in device, then adjust your rates based on how safely (or how little) you drive. For Land Rover owners, who often start with higher base premiums, these programs can cut costs by 5% to 9%.
They’re best for low-mileage drivers or those with steady, safe driving habits who want their insurance rate to reflect how they actually drive.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Land Rover drivers, real savings
Want to know what Jerry can really do for Land Rover drivers? Here are real people, real SUVs and the savings they found by shopping with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Land Rover insurance rates can be steep, but overpaying doesn’t have to be part of the journey. Whether you drive a Defender, Discovery, or Range Rover, Jerry helps you find coverage that matches the quality of your SUV.
We compare top insurers, apply every discount, and keep an eye on renewals so your protection stays as dependable as your drive.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
