Jerry has helped 1879 Land Rover drivers find car insurance in the past 12 months. We know what Land Rover owners actually pay, and what they should be paying for coverage at every level.

The best prices Jerry has found for Land Rover insurance are:

$833 per year for basic coverage, $3,124 per year for standard full coverage, and $2,725 per year for premium protection.

Of course, that’s just a starting point. From there, the right price for you depends on your Land Rover model, driving history, and location. Most Land Rover drivers pay between $2,772 and $5,810 per year for full coverage, with the average being $4,967, which is higher than the national average of $3,854.

Jerry uses real-time data from tens of thousands of Land Rover drivers to show you what’s fair, and helps you lock in the right coverage at the best price.

How much should I expect to pay for my Land Rover?

Every driver’s rate is unique, but Jerry makes it easy to see what Land Rover drivers are paying right now.

Key takeaway: Two Land Rover drivers in the same city can get rates thousands of dollars apart. Jerry benchmarks your specific situation in minutes to make sure you’re not overpaying.

What’s the best insurance for a Land Rover?

For a high-value SUV like a Land Rover, getting the best insurance isn’t just about finding the lowest rate. It’s about making sure your vehicle is properly protected and that repairs you may need in the future are done the right way. 

Here’s what smart Land Rover owners look for when they choose a policy:

• Higher liability limits: Big luxury vehicles like Land Rover SUVs can cause a lot of damage in a collision, meaning higher repair costs. For this reason, many Land Rover drivers choose full coverage to avoid being underinsured after a major accident. This might mean limits around 100/300/100, which is bodily injury liability coverage of $100,000 per person and $300,000 per accident as well as $100,000 in property damage liability per accident.
• Comprehensive and collision: These cover damage to your vehicle from just about anything if you carry both. Since Land Rovers are pricey, specialized vehicles that can cost a lot to repair, these coverages protect your investment in your car.
• OEM parts coverage: If your Land Rover needs repairs after a claim, this coverage ensures that only original equipment manufacturer (OEM) parts are used — not cheaper aftermarket alternatives that can lower your SUV’s value.
• New car replacement: If your newer Land Rover is totaled in the first year or two, you won’t just get the depreciated actual cash value (ACV) with new car replacement coverage. Instead, this add-on pays for your vehicle to be swapped with a brand-new vehicle, as long as you have comprehensive and collision coverage, too.
• Roadside assistance: For just a few dollars a month, roadside assistance covers towing, jump-starts, fuel delivery, and lockout services if you’re ever stranded. That’s safety and peace of mind for drivers who rely on their Land Rover daily.
• Rental reimbursement: This covers the cost of a rental car while your Land Rover is being repaired after a covered claim. It's an essential add-on if you use your vehicle every day, but you’ll have to carry comprehensive and collision to get it.
• Gap insurance: If you’re financing a new Land Rover, gap insurance ensures the full loan or lease balance is paid if the SUV is totaled, even if the vehicle is technically worth less than you still owe.
• Strong claims service: A great rate doesn’t mean much if getting a claim approved is a hassle. Jerry shows you how top carriers are rated so you can choose one known for fast, fair claims handling.

Key takeaway: The best Land Rover insurance balances price with protection. That means strong liability limits and coverage that protects your SUV’s value, plus smart add-ons like roadside, rental, and gap coverage if you need them.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

4 ways Land Rover drivers can lower insurance costs right now

According to Jerry’s expert agents, these are the most effective moves Land Rover owners can make to bring their insurance premium down, without sacrificing essential protection.

Tip 1: Compare quotes — which carriers offer the best price?

Each insurer prices Land Rover coverage differently, so an expensive policy at one company may be a bargain at another. Here are the carriers that Land Rover drivers who saved actually switched to last year, after using Jerry to compare rates.

Why it matters: Shopping rates across carriers can cut Land Rover drivers' premiums by 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 more than one discount, but insurers don’t always apply them automatically. Jerry checks them all at once to make sure you don’t miss out.

Key takeaway: Stacking two or three discounts often lowers premiums more than adjusting coverage alone.

Tip 3: Adjust coverage: What Land Rover drivers actually choose

Land Rovers are high-value vehicles, and most owners buy more than the bare minimum coverage to ensure their SUVs can be fully repaired after a wreck.

State minimum (per month):$78 to $163

Offers the state-mandated minimum coverage

State minimum + full coverage (per month):$204 to $415

Adds collision and comprehensive

Standard (per month):$251 to $514

In most states — raises liability, adds uninsured/underinsured motorist, medical payments, towing, rental

Preferred (per month):$275 to $528

In most states — raises liability further, lowers deductibles, increases medical payments, towing/rental

Why it matters: Most drivers with model years 2020 or newer choose full coverage. Many opt for high liability limits with comprehensive and collision coverage, to protect against financial liability and also cover luxury-vehicle repair costs.

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 use driving habits or mileage to set rates. Willing Land Rover drivers — who often face higher base premiums — can unlock savings by opting into these types of programs if they drive very little or very safely. 

• Typical savings: 5% to 9%
• Best for: Low-mileage drivers or those with mostly safe driving habits

Jerry Proof: Real Land Rover drivers and 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.

Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.

Drive With Confidence

Land Rover insurance costs more than average, but Jerry makes sure you get the fairest price for the right protection. Whether you’re insuring a new Range Rover, a used Discovery Sport or a Defender you’ve had for years, Jerry compares top insurers, applies discounts and helps manage your policy at renewal time.

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.

MEET OUR EXPERTS

Stephanie Colestock

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.

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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

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