Drivers interested in any of Land Rover’s luxury SUVs know that its vehicles come with a hefty sticker price. To ensure your vehicle is protected, a well-rounded auto insurance policy could save you from paying the brunt of a covered accident out of your own pocket.

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Based on Bankrate’s research on average annual premiums, drivers paid an average of $1,674 per year for full coverage car insurance in 2021. For a Land Rover, this could be different due to its parts, as well as the labor required to repair the vehicle. Other factors that impact car insurance include your driving record, location and claims history. Knowing how these and other factors impact car insurance could help you find cheap car insurance for your Land Rover.

Models included in this review:

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

How much does it cost to insure a Land Rover?

The 2021 national average cost of car insurance is $1,674 per year for full coverage. As a luxury vehicle, auto insurance for Land Rovers tends to be a bit higher. Many factors impact the cost of car insurance, such as the year, make and model of your Land Rover, as well as any other optional features that may have been added. Some other factors that impact the cost of car insurance include:

  • Price of parts – Land Rovers are known for their high-quality materials. When sourcing car parts for a repair, especially original equipment manufacturer (OEM) parts, it could become quite expensive compared to an economy vehicle.
  • Safety features – Drivers may add an array of features to their Land Rover to make driving safer. Some of the most popular optional features are lane keep assist and blind spot monitoring. Having these features could help you avoid accidents and costly claims to repair your vehicle, helping reduce the cost of your insurance.

Car insurance for a Land Rover: by model

While Bankrate’s insurance editorial team has researched average annual premiums for the most popular Land Rover models, it’s important to remember that car insurance rates will vary for every driver. Your unique circumstances, such as your driving record, location and even which make and model you purchase will affect the final premium. Still, these figures should give you some helpful information for the sake of comparison.

Car insurance for Land Rover Discovery

The current 2023 Land Rover Discovery starts at $56,600. Although it is the base model, it still comes with an array of luxury upgrades like the Meridian Sound System and multiple driver assistance tools to keep you safe on the road. Features like emergency braking and blind spot assistance are included as standard.

Land Rover Discovery car insurance Average annual premium
Minimum coverage $503
Full coverage $2,167

Car insurance for Range Rover

As the British carmaker’s flagship model, the 2022 Range Rover starts at $101,000. To aid in driver handling, the Range Rover comes with a variety of driver-assist tools, such as stability control to counteract understeer or oversteer environments and an all-terrain cruise control that can be used on hard-to-handle surfaces like wet grass, snow, ice and dirt roads.

Range Rover car insurance Average annual premium
Minimum coverage $514
Full coverage $2,657

Car insurance for Range Rover Sport

When considering a 2022 Land Rover, Range Rover Sport models may be attractive to many drivers on a budget. With a starting price of $70,900, the vehicle’s cost is significantly below the base signature Range Rover. Optional driver-assistance technology includes adaptive cruise control and lane-keeping assist to take some strain off driving.

Range Rover Sport car insurance Average annual premium
Minimum coverage 507
Full coverage $1,932

Car insurance for Range Rover Velar

Starting at $58,300, the 2022 Range Rover Velar is one of Land Rover’s newest models with a more sporty take. Some of its features that make driving safer include automatic headlight leveling to prevent headlight glare from oncoming drivers and hill descent control to restrict the speed of the Velar if it starts to move downhill.

Range Rover Velar car insurance Average annual premium
Minimum coverage $506
Full coverage $2,056

Cheapest car insurance companies for Land Rovers

Because of the higher vehicle price of Land Rover SUVs, the quality of its materials and numerous luxury features, car insurance for Land Rovers tends to be higher than other vehicles. Below are some of the cheapest average full coverage rates from the largest and best car insurance companies, based on Bankrate’s extensive research.

Car insurance company Land Rover Discovery Range Rover Range Rover Sport Range Rover Velar
Amica $1,608 $1,830 $1,480 $1,532
Erie $2,047 $2,406 $1,480 $1,832
Geico $1,998 $2,124 $1,730 $1,682
State Farm $1,763 $2,272 $1,602 $1,742
USAA $1,449 $2,008 $1,375 $1,432

Land Rover features that impact insurance costs

When calculating insurance rates, car companies consider the year, make and model of a vehicle as well as included safety features. Some companies might even offer separate discounts for features that could avoid a claim or accident.

Features that could make driving a Land Rover safer and cheaper to insure include:

  • InControl Secure Tracker: Once the Land Rover’s alarm is triggered, an alert is sent to both the driver and the Stolen Vehicle Tracking Centre to begin the recovery process.
  • Autonomous emergency braking: Depending on the physical distance between you and a nearby car, this feature could alert you ahead of time to take action. If no driver action is taken, the system can automatically brake the vehicle.
  • Park assist: Some drivers may find parking in parallel and perpendicular spaces to be difficult. This feature helps the car steer and guide the driver into these parking spots.

Other car insurance coverage for a Land Rover

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 to offer more substantial financial protection. If your vehicle is financed or leased, you will likely be required to carry full coverage car insurance, which includes both comprehensive coverage and collision coverage. Both of these coverages are intended to cover damage to the policyholder’s vehicle, whereas minimum coverage provides liability coverage for other drivers and their vehicles.

Your state may not require you to purchase uninsured or underinsured motorist coverage, but it can help for Land Rover owners to consider adding this coverage to their auto policy. These coverage types can help pay for your medical bills and vehicle repairs if you are hit by a driver who doesn’t have enough or any auto insurance. You could also consider add-on coverage options like rental car coverage to assist in covering rental fees if your Land Rover is being repaired due to a covered claim. Purchasing roadside assistance can ensure you’re covered if your Land Rover breaks down following a covered incident and needs a tow or a gas refill.

Should you have questions about the best coverage to insure your Land Rover, consider speaking with an independent licensed insurance agent to review your portfolio and help determine your coverage needs.


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
  • Range Rover
  • Range Rover Sport
  • Range Rover Velar

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