Jerry SummaryLand Rover car insurance costs $431per month, on average, according to our August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $183 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.
With a legacy tied to both rugged exploration and royal prestige, the Land Rover badge represents a blend of off-road mastery and refined luxury. Since its debut in the mid-20th century, the brand has been a favorite of the British royal family — most notably Queen Elizabeth II, who regularly drove Land Rovers throughout her reign. Over the decades, Land Rover has evolved from utilitarian 4x4s built on a Jeep chassis to premium SUVs featuring innovations like Terrain Response, adaptive air suspension and advanced driver-assist technology.
Today’s lineup spans from the compact Range Rover Evoque to the adventure-ready Defender and the ultra-luxurious Range Rover SV. This rare combination of capability, heritage and prestige stands out in the luxury SUV market, but it can also lead to higher-than-average insurance costs due to their value, technology and specialized repairs.
Land Rover auto insurance costs can vary widely. Here are average costs for a variety of models, the cheapest and best insurers, plus how to shop for Land Rover car insurance.
Average Land Rover car insurance costs
The average cost of full coverage Land Rover car insurance is $431 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $182 per month.
Land Rover insurance costs aren’t one-size-fits-all. They depend on the vehicle’s model, its age and your personal risk profile. Expensive cars usually mean higher premiums, but there are exceptions. To find the best rate, compare multiple car insurance quotes for the Land Rover you’re considering.
These full coverage insurance rates from Jerry’s data analysis offer a snapshot of average auto insurance costs for various Land Rover models.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| Defender | $404 |
| Discovery | $365 |
| Lr2 | $324 |
| Lr3 | $319 |
| Lr4 | $418 |
| Range Rover | $448 |
| Range Rover Evoque | $411 |
| Range Rover Sport | $472 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Land Rover model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| Defender | $139 |
| Discovery | $160 |
| Lr2 | $182 |
| Lr3 | $197 |
| Lr4 | $168 |
| Range Rover | $186 |
| Range Rover Evoque | $205 |
| Range Rover Sport | $175 |
Average cost of Land Rover car insurance, by state
Car insurance rates differ by state due to varying laws and the fact that every state has its own risk factors, like crime, weather events and the number of uninsured motorists on the road.
For example, full coverage Land Rover auto insurance in Texas costs an average of $361 per month. In New Jersey, the monthly average is $383.
Below are the average full coverage costs of Land Rover car insurance, by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $274 |
| AR | $208 |
| AZ | $260 |
| CA | $483 |
| CO | $375 |
| CT | $445 |
| DC | $374 |
| DE | $434 |
| FL | $405 |
| GA | $460 |
Factors that affect Land Rover car insurance costs
Your Land Rover insurance premium is influenced by more than just the badge itself, so the average cost of car insurance for all Land Rovers won’t tell you much. Insurers also consider factors like your personal driving history, location, age and the coverage level you choose.
Still, certain vehicle characteristics can make a difference in your rate. Here are some Land-Rover specific features that can impact your insurance costs:
- Safety features: Many Land Rovers come equipped with advanced driver-assistance systems like Terrain Response stability programs, lane-keep assist, blind spot monitoring and autonomous emergency braking. These can help reduce the likelihood of accidents, potentially lowering your premiums.
- Vehicle value: High-end models like the Range Rover SV or Defender OCTA carry a luxury price tag, which can translate to higher insurance costs due to expensive parts and repairs.
- Vehicle class: More compact models like the Discovery Sport or Range Rover Evoque tend to be more affordable to insure than larger, more capable models.
- Performance and capability: Vehicles with more powerful engines, off-road enhancements or towing upgrades can cost more to insure because of their higher performance potential and replacement cost.
- Parts and repair complexity: Land Rovers often require specialized parts and service, especially for their off-road systems, luxury interiors or imported components. These can all result in increased repair bills and, in turn, insurance premiums.
- Cost of repairs: Luxury vehicles, like Land Rovers, tend to be more expensive to repair. This fact can cause your insurance rates to climb.
- Your driving record and insurance claims history: If you have a history of driving violations, at-fault accidents or insurance claims, you’ll likely pay inflated rates.
Best Land Rover car insurance
Every year, Jerry’s editorial team reviews top car insurance providers using key industry metrics like complaint ratios and financial strength.
These are our top best car insurance picks for 2025.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
While these companies are good for a lot of drivers, only some are available in every state. Additionally, some companies have better service records in certain states. To see the best car insurance companies in your state, click below.
Click for the best car insurance by state.
Most affordable Land Rover car insurance
Full coverage
Aspire Advantageoffers the lowest-cost full coverage car insurance for Land Rover, with an average rate of $183 per month.
According to data from real Jerry customers, these are the lowest-cost auto insurance companies for full coverage on a Land Rover.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $183 |
| AAA | $239 |
| Mercury | $273 |
| Embark General | $275 |
| Safeco | $278 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Aspire Advantageoffers the lowest-cost minimum coverage auto insurance for Land Rover, with an average rate of $69 per month.
These are the most cost-effective insurance companies for minimum coverage for a Land Rover, according to Jerry’s analysis.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Aspire Advantage | $69 |
| Mercury | $77 |
| Safeco | $87 |
| Bluefire | $96 |
| Progressive | $104 |
By state
The most affordable Land Rover insurer differs by state, thanks to unique local laws and coverage requirements. Click below to find the lowest-priced providers in your state.
Click for the most affordable car insurance by state.
Author’s Note: Understanding the relationship between Land Rover and Range Rover or Defender can be a bit tricky. Land Rover is the parent company or brand, while Range Rover and Defender are two distinct families of luxury vehicles under the overall company umbrella. In other words, all Range Rovers are Land Rovers, but not all Land Rovers are Range Rovers. And the same goes for Defenders.
The Range Rover lineup includes models like the Evoque, Velar, Sport and the flagship Range Rover. Although Land Rover appears on the badge, most people simply refer to these vehicles as Range Rovers when talking about them.
Range Rover auto insurance costs
The average car insurance cost for a Range Rover is $448 per month, according to an analysis of full coverage quotes to real Jerry customers.
The Range Rover is Land Rover’s flagship luxury SUV, known for combining high-end comfort with off-road capability. As one of the most iconic names in the luxury SUV market, the 2025 Range Rover offers a first-class driving experience with powerful engine options, available long-wheelbase models and a cabin filled with premium materials and advanced tech. Starting at an MSRP of $110,100 in 2025, this optional-third-row SUV is built for buyers who want top-tier comfort without compromising versatility.
What sets the Range Rover apart is its blend of old-school ruggedness and modern luxury, something rivals like Audi and BMW don’t offer. While others focus solely on on-road performance, the Range Rover adds true all-terrain capability with features like all-wheel drive, Terrain Response and adaptive air suspension.
Here are Range rover auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Land Rover Range Rover | $487 |
| Land Rover Range Rover 4.0 Se | $127 |
| Land Rover Range Rover Autobio | $320 |
| Land Rover Range Rover Autobiog | $435 |
| Land Rover Range Rover Evoque A | $181 |
| Land Rover Range Rover Evoque B | $549 |
| Land Rover Range Rover Evoque D | $472 |
| Land Rover Range Rover Evoque Dynamic | $244 |
| Land Rover Range Rover Evoque F | $464 |
| Land Rover Range Rover Evoque H | $301 |
Range Rover Sport auto insurance costs
The average car insurance cost for a Range rover sport is $472 per month, according to Jerry’s analysis of full coverage quotes.
The Range Rover Sport is a performance-focused luxury SUV that offers a slightly more dynamic, athletic take on the classic Range Rover experience. Designed to balance comfort, power and agility, the 2025 Range Rover Sport can come with either a plug-in hybrid or a twin-turbo V8 alongside its high-tech interior and refined ride quality. With a starting 2025 MSRP of $83,700, it’s positioned as a more accessible and sportier alternative to the flagship Range Rover.
What makes the Range Rover Sport stand out is its blend of luxury and performance, wrapped in a sleek, muscular design. It delivers confident handling and off-road ability thanks to standard all-wheel drive, an available air suspension and Land Rover’s signature Terrain Response system. It also offers high-end, stand-out options like satin paint finishes and the option of four submodels: the SE, Dynamic SE, Autobiography and SV Edition Two.
As both a daily driver and weekend adventure vehicle, the Range Rover Sport appeals to those who want versatility without giving up style or status.
Here are Range rover sport auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Land Rover Range Rover Sport | $457 |
| Land Rover Range Rover Sport Au | $626 |
| Land Rover Range Rover Sport Dy | $587 |
| Land Rover Range Rover Sport Hs | $440 |
| Land Rover Range Rover Sport Hse | $384 |
| Land Rover Range Rover Sport Hse Dynamic | $396 |
| Land Rover Range Rover Sport Lu | $343 |
| Land Rover Range Rover Sport Lux | $171 |
| Land Rover Range Rover Sport P5 | $625 |
| Land Rover Range Rover Sport S | $746 |
Range Rover Evoque auto insurance costs
The average car insurance cost for a Range Rover Evoque is $411 per month, according to Jerry’s full coverage quote data.
The 2025 Range Rover Evoque is the most stylish and city-friendly member of the Range Rover family, combining bold design with signature Land Rover capability. Compact and upscale, it features standard all-wheel drive, a responsive turbocharged engine and advanced driver-assist features for added confidence and safety in any environment. And with a starting MSRP of $49,900, the Evoque serves as an affordable entry point into the Range Rover lineup.
The Evoque’s smaller footprint makes it easy to maneuver through urban streets, yet it still offers impressive all-terrain versatility — a rare combination in the compact luxury SUV segment. Because of its luxury badge, sophisticated engineering and above-average repair costs, though, the Range Rover Evoque tends to have higher-than-average car insurance premiums.
Here are Range rover evoque auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Land Rover Range Rover Evoque A | $181 |
| Land Rover Range Rover Evoque B | $549 |
| Land Rover Range Rover Evoque D | $472 |
| Land Rover Range Rover Evoque Dynamic | $244 |
| Land Rover Range Rover Evoque F | $464 |
| Land Rover Range Rover Evoque H | $301 |
| Land Rover Range Rover Evoque L | $140 |
| Land Rover Range Rover Evoque Pure | $289 |
| Land Rover Range Rover Evoque Pure Plus | $478 |
| Land Rover Range Rover Evoque Pure Premium | $509 |
Defender auto insurance costs
The average car insurance cost for a Land Rover Defender is $404 per month, according to Jerry’s data analysis of full coverage quotes.
The Defender is the brand’s most rugged SUV family, built to tackle extreme conditions while still delivering the comfort drivers expect from the Land Rover badge. Available in 90, 110, 130 and OCTA body styles, it offers standard all-wheel drive, a choice of turbocharged and mild-hybrid engines, and a durable design engineered for toughness in any environment or situation. The Defender starts at $63,500, though higher trims carry a starting MSRP of as high as $158,300.
Inside, the Defender displays its utilitarian roots alongside competitive upgrades like washable surfaces, smart storage and the latest Land Rover infotainment system. On the outside, Terrain Response, high ground clearance and impressive towing capability make it a top choice for drivers who need an SUV that can perform just as well in the wild as it does on the highway.
Here are Defender auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Land Rover Defender 110 | $320 |
| Land Rover Defender 110 Hse | $462 |
| Land Rover Defender 110 S | $354 |
| Land Rover Defender 110 Se | $466 |
| Land Rover Defender 110 X | $294 |
| Land Rover Defender 110 X-Dynam | $496 |
| Land Rover Defender 130 | $2,190 |
| Land Rover Defender 130 S | $265 |
| Land Rover Defender 90 | $431 |
| Land Rover Defender 90 1st Edit | $586 |
Land Rover car insurance shopping tips
If you drive a Land Rover, here are a few ways to help keep your insurance costs in check.
- Compare quotes carefully: Premiums for luxury SUVs like Land Rovers can vary greatly between insurers. Shop around for insurance coverage and get multiple quotes through Jerry to find your best rates. Be sure to use identical coverage limits and provide accurate driver details to ensure a fair, apples-to-apples comparison.
- Consider a less expensive model: Entry-level options like the Discovery Sport or Range Rover Evoque generally cost less to insure than high-performance or high-value models like the Range Rover or Defender 130.
- Bundle your policies: You may qualify for a discount if you bundle your auto and home insurance from the same provider.
- Look into telematics programs: Usage-based insurance plans track your driving habits with telematics apps. Demonstrating safe, low-mileage habits could earn you lower rates, though drivers who display unsafe habits may actually see their rates go up.
- Ask about loyalty or multi-vehicle discounts: Insuring multiple vehicles or staying with the same insurer for several years can sometimes lead to extra savings.
- Increase your deductible: Raising your collision or comprehensive deductible can lower your monthly premium. Just make sure you can afford the out-of-pocket cost if you have to file a claim.
- Adjust coverage for older vehicles: If your Land Rover is older and has a lower market value, dropping collision or comprehensive coverage could save you money.
- Seek feature-specific discounts: Many Land Rovers come standard with advanced safety features and strong crash-test ratings, which may qualify you for insurer discounts.
- Choose a lower-cost model: More affordable models like the Discovery Sport or Range Rover Evoque generally cost less to insure than higher-end or specialty models, like the flagship Range Rover or Defender 130.
- Purchase a used car. New cars tend to face steeper insurance rates than older used cars. Driving a used Land Rover may be a great way to cut down on your insurance bills.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
FAQs
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Why don’t Land Rover vehicles have IIHS or NHTSA safety ratings?
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What factors make a Defender’s insurance rates different from a Range Rover’s?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Stephanie Colestock is a seasoned writer 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, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, 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 helping individuals make smarter financial decisions through her engaging and well-researched articles.
