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Car insurance for a Range Rover

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Purchasing a new or used car can be exciting, and a critical part of the buying process is finding out what the best car insurance is to financially protect it (and yourself). The national average cost of car insurance is $1,674 per year for full coverage, according to Bankrate’s 2022 study of quoted annual premiums. This average is a great starting point for a basic car, but luxury vehicles like the Land Rover Range Rover may cost more to insure.

Your personal and household criteria are used to determine how much you will pay for car insurance. This includes all household drivers accident and ticket history, where you live and the types of coverages you need to insure your car. The make and model of the car you drive can also have an impact on your car insurance costs, which may be especially important if you have a specific budget for the car and insurance payment. The Range Rover car insurance rates in this article have been pulled from the most recent data available from Quadrant Information Services.

Models included in this review:

For this review, the Land Rover Range Rover is featured.

How much does it cost to insure a Range Rover?

With a high retail value and cost to repair, the average cost to insure a Range Rover compared to other makes and models may be higher. Nationally, the average annual cost of car insurance is $1,674 for full coverage on a 2019 Toyota Camry. Compared to a Camry, with a base price of $25,050, a 2019 Range Rover costs an estimated $90,795 MSRP. With these prices in mind, the cost to insure a Range Rover will be higher on average than a Toyota Camry of the same year.

While the make and model of the car, plus the retail value and cost to repair factor into the cost of car insurance, they are not the only factors considered. Here are a few other criteria used by insurance companies to determine the base pricing for a particular make and model:

  • Price of parts: As a luxury SUV, the price of parts to repair the Range Rover will typically be higher than the average car. This is one of the reasons why a luxury car is more expensive to insure than a more economical car.
  • Safety features: Generally, the more safety features a car has, the lower the cost can be to insure it. The Range Rover has standard features like front and passenger air bags, traction control, front and rear parking assistance, cruise control, lane departure warning and emergency braking, which can potentially help offset the cost of insuring it.

Car insurance for a Range Rover

The cost for Range Rover car insurance is about $1,000 higher than the national average cost for full coverage car insurance. For comparison purposes, Bankrate reviewed quoted annual premiums for both minimum and full coverage for a sample driver shopping for insurance on a 2019 Range Rover. The rates shown here may be different from the rates you receive, as they are based on personal data like your driving record, age, location and coverage choices.

The average annual rate for Range Rover minimum coverage is $514, while full coverage insurance costs around $2,657 a year. Full coverage insurance provides financial coverage for physical damage for the Range Rover, whereas minimum coverage does not. You’ll want to consider the cost of a 2019 Range Rover and whether you can afford to fix it or replace it out of pocket when discussing which coverage is the best for you with an insurer.

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

Cheapest car insurance companies for Range Rovers

The best way to find the cheapest car insurance company for your Range Rover is to shop for quotes. We compared rates from the largest car insurance companies based on market share to illustrate the potential savings. For our sample driver, Amica has the cheapest car insurance rates for a Range Rover, while Erie has the highest costs for car insurance per year. However, the rate you pay for a Range Rover may differ from these averages, as determined by your driving history, location and other factors.

Average annual premium for full coverage by model

Car insurance company Range Rover
Amica $1,830
Erie $2,406
Geico $2,124
State Farm $2,272
USAA $2,008

Range Rover features that impact insurance costs

When purchasing a Range Rover, the cost of car insurance can be lowered by certain features, especially safety features. The Range Rover has several standard safety features that could affect your car insurance rates:

  • Air bags: Having driver and passenger air bags are one way the cost of insuring a Range Rover can be affected. The air bags protect the occupants in the front, which can lower the cost of a claim for injuries.
  • Electronic traction control: This feature helps to stabilize the Range Rover and improve traction, applying the brakes if needed to help the driver stay in control of the vehicle and limit the chances of causing an accident.
  • Emergency brake assist: If you apply the brakes quickly, the Range Rover will apply greater pressure on the anti-lock braking system, helping you to come to a complete stop faster. This feature can lower the risk of an accident and may save you on your car insurance premiums.
  • Emergency braking: This safety feature can reduce the risk of an accident or the severity of it by applying the brakes if sensors detect another vehicle or person.
  • Cruise control with speed limiter: Range Rovers come equipped with a cruise control system that allows the vehicle to travel at a certain speed without the driver touching the accelerator. Range Rover cruise control is unique in that the vehicle’s speed automatically reduces if a vehicle ahead is slowing down. This feature may help you avoid a crash, which may help you save on your car insurance.
  • Front and rear parking aid: Cameras on the front and back of each Range Rover help drivers navigate into tight spaces. The vehicle delivers warnings audibly and visually to help drivers avoid an accident. This assistance may help you save on your car insurance.
  • Lane departure warning: This feature displays an icon of your vehicle shown within its lane. The vehicle icon lights up in red to warn the driver if the vehicle is departing from the lane. The system may help drivers stay focused and avoid accidents, which could help lower car insurance costs.

Other car insurance coverage for a Range Rover

Each state except New Hampshire and Virginia has requirements for the minimum amount of insurance that drivers need to drive legally. Though minimum liability coverage is typically much cheaper than full coverage insurance, Range Rover owners may prefer to consider higher liability limits. Most insurance experts recommend purchasing as much liability insurance as you can reasonably afford, since higher limits provide greater protection for your finances in the long run. The higher your liability limits, the less likely you will be to pay out-of-pocket if you are sued for injuries or damages you cause in an accident.

Range Rover drivers may also want to consider other car insurance coverage types to help protect their finances in the event of an accident.  Full coverage insurance describes coverage that includes collision and comprehensive coverage. Collision coverage pays out if your Range Rover is damaged in a covered accident, regardless of fault. Comprehensive coverage pays out to cover damage not covered under collision insurance, such as weather damage, hitting an animal, vandalism and theft.

You may want to consider your individual circumstances to determine what add-on coverage options you might need. If you finance or lease your vehicle, you may be required to purchase gap insurance, which pays the difference between what you owe on your new vehicle and what it’s worth if you were to total it. If you’re worried about the possibility of totaling your car, you may want to consider new car replacement coverage, which could pay out to cover the cost of buying a brand new Range Rover.

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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 Land Rover Range Rover, commute five days a week and drive 12,000 miles annually.

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

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor