Car insurance for Land Rovers

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Auto insurance becomes necessary when purchasing a vehicle to help protect you from financial liability should you be found in an at-fault accident. It is also an important tool to help cover repair costs should your vehicle become damaged due to instances like hitting another vehicle or object or from fire, theft or vandalism.

Numerous factors affect the average cost of car insurance, including your vehicle’s make and model. And while your rating factors, such as your age, driving history, geographic location and vehicle type, may be the same for each quote you get, auto insurers charge different premiums based on their proprietary rating algorithms. Because of this, you will pay a different rate with each insurer.

Bankrate assessed premium data from Quadrant Information Services to determine the average annual auto insurance premiums by vehicle make and model. Before selecting the auto insurer for your Land Rover, consider the following average costs based on the Land Rover model you chose.

Car insurance for Land Rovers: by model

Land Rover car insurance Average annual full coverage premium
Land Rover Discovery $2,167
Land Rover Range Rover $2,657
Land Rover Range Rover Velar $2,056
Land Rover Sport $1,932

Cheapest car insurance companies for Land Rover Discovery

The average annual insurance cost for a Land Rover Discovery is pretty good, considering it’s a high-end vehicle. You may find the cheapest minimum coverage with Amica and USAA for the Land Rover Discovery. Currently, the average annual premiums with these insurers are $345 and $359, respectively.

As for full coverage, USAA and Amica offer the cheapest premiums based on the carriers that Bankrate reviewed. USAA offered the cheapest price at a yearly cost of $1,449, but since USAA only covers current and retired military, not all drivers are eligible for USAA insurance. Therefore, Amica may be an option worth considering, with an average annual premium of $1,608 for the Land Rover Discovery.

Each company in the list below was selected from Bankrate’s list of the best car insurance companies based on high customer satisfaction ratings and low premiums. If you’re looking for auto insurance for Land Rover Discovery HSE, your premium may be a little higher because of the HSE’s higher specs.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $359 $1,449
Geico $387 $1,998
State Farm $420 $1,763
Erie $430 $2,047
Amica $345 $1,608

Cheapest car insurance companies for Land Rover Range Rover

USAA, Geico, and Amica all offer similar minimum coverage rates for Range Rover owners. The same is also true for full coverage rates, except that State Farm should also be considered highly competitive. Though Erie does charge a bit more than its peers on this list, it has a slew of discounts policyholders might be able to take advantage of.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $390 $2,008
Geico $394 $2,124
State Farm $438 $2,272
Erie $430 $2,406
Amica $345 $1,830

Cheapest car insurance companies for Land Rover Range Rover Velar

According to Bankrate’s analysis, you might get similar car insurance rates for a Range Rover Velar with the auto insurers listed below. However, each insurer offers slightly different coverage options that may be better suited for your needs, so it’s worth getting multiple quotes even if the average annual premiums from these five insurers are similar. And some of these insurers may have special discounts that can reduce your premiums even more.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $354 $1,432
Geico $387 $1,682
State Farm $467 $1,742
Erie $430 $1,832
Amica $345 $1,532

Cheapest car insurance companies for Land Rover Sport

Insurance for a Land Rover Discovery Sport is comparable to the models above. Each of the companies listed below offers similar rates. If you’re eligible for USAA, you may find the cheapest rates with them. If not, the next cheapest option might be Amica, based on the carriers reviewed. Remember, these are just the average amount drivers with a Land Rover Sport pay with each company. You may very well find a cheaper price with one of the other companies. Always shop around before you decide.

Note: If you’re shopping for car insurance for the Range Rover Evoque, its starting price is similar to the Sport model, so rates will likely be comparable to one another.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $349 $1,375
Geico $390 $1,730
State Farm $467 $1,602
Erie $430 $1,602
Amica $367 $1,480

Other car insurance coverage for Land Rovers

Nearly every state has minimum car insurance requirements. However, every vehicle owner should strongly consider additional insurance that goes beyond their state’s minimum requirements. If your vehicle is financed or leased, you will likely be required to carry full coverage car insurance, including comprehensive and collision coverage.

Comprehensive coverage will help cover damages to your Land Rover from instances like theft, vandalism and fire. Should someone steal your vehicle, comprehensive coverage will help pay for its replacement.

Collision coverage helps cover your vehicle’s repairs if you hit another vehicle or object, such as a fence or tree. Essentially, if your car is damaged while moving, collision coverage will likely help cover the repairs.

Even if your state doesn’t require you to purchase uninsured/underinsured motorist coverage, every Land Rover owner should consider adding this coverage to their auto policy. Uninsured and underinsured motorist coverage will help pay for your medical bills and vehicle repairs if you are hit by a driver who doesn’t have enough or any car insurance.

Should you have questions about what coverage is best for you to insure your Land Rover, consider speaking with a licensed insurance agent to review your portfolio and help decide what coverage you need

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Land Rover of the following models, commute five days a week and drive 12,000 miles annually:

  • Land Rover Discovery
  • Land Rover Range Rover
  • Land Rover Range Rover Velar
  • Land Rover Sport

These are sample rates and should only be used for comparative purposes.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
Edited by
Senior Insurance Editor