Land Rovers are popular for their blend of luxury vehicle status, off-road capability, and distinctive design. But they tend to be more expensive to insure than other SUVs, including some competing luxury models.
On average, drivers pay $122 per month for liability-only coverage and $229 for full coverage on a Land Rover. But some models are less expensive than others.
If you’re thinking about buying a Land Rover or you’re looking for car insurance, here’s what you need to know.
For 2025, Land Rover offers nine models, with the Range Rover having the highest starting MSRP of more than $100,000. Here, you can see how insurance rates fluctuate based on different Land Rover models.
Depending on the Land Rover model you own or are looking to buy, here are some of the cheapest insurance companies to consider.
The manufacturer’s suggested retail price (MSRP) for the Range Rover is $107,400, which is high, even compared to other luxury SUVs. But the Range Rover isn’t as expensive to insure as some other Land Rover models.
Even so, it’s important to shop around and compare insurers to ensure you get the cheapest rate possible. Here are some of the best full-coverage rates, according to Insurify data.
The Range Rover Sport starts at $83,700, making it the second most expensive Land Rover model and more in line with other luxury SUVs. The Range Rover Sport is the second cheapest Land Rover model to insure, according to Insurify data.
Here’s a look at some of the cheapest companies to consider as you shop around.
With an MSRP of $61,500, the Range Rover Velar is on par with or less expensive than similar luxury SUVs. But, surprisingly, it’s the most expensive Land Rover model to insure, making it more crucial to compare quotes.
Here’s where you can get the cheapest car insurance for the Velar, according to Insurify data.
A brand-new Range Rover Evoque starts at $49,900, making it the second most affordable Range Rover model and less expensive than even some high-end standard SUV prices. It’s also cheaper to insure than most Land Rover models.
Here, you can compare the cheapest insurers for the Evoque model.
The Range Rover Discovery starts at $59,900, making it less expensive than other luxury SUVs but still pricier than standard SUV models. But the average insurance cost is on par with the Evoque.
As you research your insurance options, here are some of the cheapest rates you can find.
The cheapest Land Rover model, the Range Rover Discovery Sport, starts at $48,900. This puts it more in line with high-end standard SUVs from other automakers. It’s also understandably the least expensive Land Rover model to insure.
Even so, you’ll still want to check out the cheapest insurance companies to maximize your savings.
As you shop around for coverage, it’s important to look at more than just the rates. You’ll also want to consider customer satisfaction, the claims processes, coverage options, discounts, and other features that are important to you. And, because Land Rovers are generally higher-value vehicles, you’ll likely want to look for full-coverage car insurance rather than liability-only coverage.
Here are some of Insurify’s top choices for the best companies for Land Rover car insurance:
Where you live has a significant effect on your car insurance premium.2 Repair costs, medical expenses, and weather trends can affect claim payouts as well. Each state also has different accident, theft, vandalism, litigation, and insurance fraud rates to consider.
Below, you’ll see the average monthly cost to insure a Land Rover for each state. Rate data isn’t available for Alaska and Hawaii.
Land Rover partners with Liberty Mutual to offer special coverages for Land Rover drivers. You can get a quote through the manufacturer’s website. Some of the special perks of these policies include genuine Land Rover replacement parts and towing to your nearest Land Rover dealership for repairs.
In addition to standard coverage options, you can also get the following features:
Better car replacement: If you total your car, you’ll receive enough money to replace it with a model that’s one year newer.
New car replacement: With this add-on, you can replace a new car stolen or totaled in the first year with a brand-new model.
Accident forgiveness: Your premium won’t go up with your first accident as a Liberty Mutual policyholder.
Additionally, Liberty Mutual has high claims satisfaction compared to other insurance companies, according to J.D. Power.3
That said, the insurer has some of the most expensive rates for Land Rover models, according to Insurify data. It also has nearly twice as many complaints compared to the industry average, according to the National Association of Insurance Commissioners.4 Be sure to research and compare several options to determine the best fit for you and your vehicle.
Land Rovers can be a significant financial commitment, so it’s important to protect your investment with the right insurance. Here are some essential coverages to consider:
If you still have questions surrounding Land Rover insurance, the following answers can help.
It may depend on the model, but USAA and GEICO offer some of the cheapest rates for Land Rover drivers. Keep in mind that the lowest premium for you could come from another insurer. That’s why it’s important to compare rates from several insurers to find the best rates for your situation.
In general, Land Rovers are more expensive to insure than other vehicles, including similar luxury SUVs.
A Land Rover offers a luxury experience and off-road capability, but ownership costs can be high. Ultimately, it depends on your financial situation and what you need from your vehicle.
The cheapest model to insure is the Land Rover Discovery Sport, which is also the least expensive model from the carmaker.
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