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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Land Rovers are appealing for their practicality, comfort, and design. Whether you currently own one or plan on buying a Land Rover, it’s important to budget for potential car insurance costs. Land Rover insurance has an average overall cost of $177 per month, which is quite a bit higher than the national average for all vehicles of $150.
These vehicles can be more expensive to insure because of the brand’s higher repair costs, values, and theft risks.
That said, you can find more affordable car insurance by shopping around and comparing quotes. Personal rates vary based on your driving record, state, vehicle model, and more, so what’s cheapest for a neighbor, friend, or family member won’t necessarily be the most affordable option for you.
Learn more about finding the best Land Rover insurance for your needs.
The Discovery is the cheapest Land Rover model to insure.
Safeco, National General, and Direct Auto offer some of the cheapest Land Rover insurance policies.
North Carolina is the state with the cheapest Land Rover insurance coverage.
Land Rover insurance rates vary depending on the type of coverage you choose, among other factors. In the table below, you can see the brand’s average insurance costs for liability coverage, full coverage, and the overall average, according to Compare.com data.
Vehicle Type  | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium | Overall Average Monthly Premium |
|---|---|---|---|
| Land Rover | $126 | $229 | $177 |
| All makes | $108 | $193 | $150 |
Land Rover insurance costs are higher than the national average. Liability insurance has an average cost of $126 per month, which increases to $229 for full coverage, according to our research.
The overall average comes in at $177 per month, which is a moderate increase compared to $150 for all vehicles.
Your vehicle model is also a factor in how much you pay for car insurance. That’s because each model has unique safety features, repair costs, and probability of theft. The type of coverage also plays a key role in average insurance costs.
State-mandated liability coverage and full coverage, which combines multiple coverage options, have very different price points and benefits.
Model | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium |
|---|---|---|
| Discovery | $118 | $215 |
| Range Rover | $134 | $244 |
| Range Rover Evoque | $127 | $231 |
| Range Rover Sport | $126 | $229 |
| Range Rover Velar | $143 | $261 |
When looking at Land Rover models, the Discovery has the cheapest car insurance, with average costs of $215 per month for full coverage. The Range Rover Velar has the highest average premiums, at $261 per month for full-coverage car insurance. Regardless of your vehicle model, you can find cheap auto insurance from various insurers.
Compare personalized quotes from dozens of top companies.
Despite a vehicle’s average auto insurance rates, you can always look into other ways to save on costs. Whether that’s through various discounts, bundling, or shopping around, you can find affordable rates based on your particular driving record.
Here’s an overview of the five cheapest companies for insuring Land Rovers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Safeco | $131 |
| National General | $156 |
| Direct Auto | $166 |
| The General | $184 |
| Liberty Mutual | $206 |
Safeco has the cheapest Land Rover insurance, with an average premium of $131 per month. A few “non-standard” insurance companies — like National General, Direct Auto, and The General — are also affordable options.
But while these insurance companies offer cheap car insurance, they may not be the most cost-effective for everyone. Depending on your driver profile, you could find something better elsewhere. In the current climate, it’s a must to shop around and get a minimum of three insurance quotes from different companies.
In the following section, we cover which companies offer the best Land Rover insurance for specific drivers.
When looking for Land Rover insurance, there isn’t a single best company that’s right for everyone. We chose the following insurance companies because of their affordability, discounts, coverage options, and customer ratings and reviews.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers Land Rover owners some of the cheapest car insurance out there, with an average monthly premium of just $131.
The company may be an especially good option for people who recently purchased a Land Rover. That’s because Safeco has a new vehicle replacement coverage option that pays you the value of a comparable car if it’s totaled. To qualify, the car must be less than one year old and have less than 15,000 miles on it.
Low average rates for Land Rovers
Claims-free cash back available
Offers new vehicle replacement
Below-average J.D. Power claims satisfaction
Low customer rating on Trustpilot
Complaints about customer service and billing
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
Drivers value the affordable initial rates and good coverage but dislike the unexpected price increases and poor customer service.
National General has competitive Land Rover insurance rates, but it also offers customers several noteworthy discounts, including a safe-driving discount.
Additionally, the company has the DynamicDrive telematics program, an app that can help you qualify for lower rates based on safe driving habits. Customers who enroll can get an initial discount of 10%.
Competitive Land Rover insurance rates
DynamicDrive telematics program
Plenty of available discounts
Low Trustpilot rating
High number of claims process complaints
Poorly rated mobile app
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto can help insure Land Rover owners with a spotty driving record, who may struggle to find coverage elsewhere. Whether you have a DUI on your record or need to file an SR-22, Direct Auto covers high-risk drivers.
The company offers lower-than-average rates for Land Rovers, as well as extras like roadside assistance. That said, it isn’t available nationwide.
Offers DUI and SR-22 insurance
Lower-than-average Land Rover rates
Roadside assistance available
Low customer ratings on Trustpilot
Has cancellation fees
Available in only 15 states
Compare multiple quotes and unlock savings in minutes.
Where you live is another factor that affects car insurance rates. Most states require drivers to have specific coverage levels for liability insurance, which can affect costs.
Plus, weather, theft, population density, and frequency of car accidents can drive up costs, all of which differ by state and even by ZIP code.
In the map below, we’ve highlighted how Land Rover insurance costs vary by state.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $116 |
| Arizona | $156 |
| Arkansas | $224 |
| California | $225 |
| Colorado | $183 |
| Connecticut | $355 |
| Delaware | $217 |
| Florida | $228 |
| Georgia | $232 |
| Idaho | $118 |
| Illinois | $146 |
| Indiana | $126 |
| Iowa | $106 |
| Kansas | $143 |
| Kentucky | $228 |
| Louisiana | $211 |
| Maine | $139 |
| Maryland | $321 |
| Massachusetts | $176 |
| Michigan | $274 |
| Minnesota | $176 |
| Mississippi | $176 |
| Missouri | $171 |
| Montana | $142 |
| Nebraska | $164 |
| Nevada | $278 |
| New Hampshire | $107 |
| New Jersey | $185 |
| New Mexico | $135 |
| New York | $450 |
| North Carolina | $87 |
| North Dakota | $135 |
| Ohio | $119 |
| Oklahoma | $151 |
| Oregon | $150 |
| Pennsylvania | $153 |
| Rhode Island | $134 |
| South Carolina | $256 |
| South Dakota | $113 |
| Tennessee | $132 |
| Texas | $207 |
| Utah | $170 |
| Vermont | $127 |
| Virginia | $169 |
| Washington | $130 |
| District of Columbia | $266 |
| West Virginia | $135 |
| Wisconsin | $119 |
| Wyoming | $113 |
If you’re looking to save money while keeping your Land Rover protected, getting affordable insurance premiums is, of course, a priority. While that’s important, it’s essential to find coverage that meets all your needs.
Here are some things to consider when shopping around for your next policy:
Liability insurance is a must. Most states require drivers to have minimum amounts of liability coverage. For additional protection, you can always get higher levels of coverage than the minimum.
Consider full coverage for more benefits. Liability insurance is mandatory, but simply satisfying legal requirements can leave you vulnerable. For one, liability insurance covers only other people’s injuries and damages if you cause a car accident. Full coverage, on the other hand, has several additional protections, including collision coverage and comprehensive coverage.
Review your health insurance. Check your current health insurance policy to see what it covers and identify potential gaps. If you get injured in a car accident, the last thing you want to do is worry about expenses. You can consider personal injury protection (PIP) for more robust coverage. It covers not only medical expenses for both you and your passengers but also lost wages.
Land Rover insurance is a bit more expensive than the national average. To help reduce costs, here are some tips to lower your insurance premiums.
Research discounts. Maximize savings by researching potential discounts. For example, if you recently bought a new Land Rover, you could be eligible for a new vehicle discount. Some insurance companies offer discounts for having an anti-theft system, tracking your driving habits, and staying claims-free.
Bundle insurance policies. You might have more than one insurance policy with more than one company. If you consolidate policies and have them with a single company, you may qualify for a bundling discount.
Work on your credit. Most states allow insurance companies to use your credit history as a risk factor. Managing your credit responsibly by making on-time payments and reducing balances may help keep costs down.
Increase your deductible. One simple step to lower your insurance premiums is to raise your deductible. By doing so, you pay more out of pocket when you file a claim, but you can reduce your overall premiums in the meantime.
Compare quotes. You have plenty of car insurance companies to choose from, so you don’t need to settle on the first option you find. Shop around and get online quotes to compare rates among different auto insurance companies.
Land Rover policies start as low as $87 per month.
Whether you currently have a Land Rover or are thinking of buying one, here are answers to common questions about insurance for this make.
The overall average cost of Land Rover insurance is $177 per month, according to Compare.com data. Many risk factors influence your insurance premium, so costs can vary based on driving record, credit history, and location.
Yes. Land Rovers are more expensive to insure than the national average for all makes, according to Compare.com data. That said, insurance premiums also vary by car model, number of driving violations, age, insurance history, and more.
Land Rovers — particularly Range Rovers — can be more expensive to insure because of the car’s value, theft risk, and steep repair costs. Comparing insurance quotes can help you find the best option.
Yes. Car insurance for a Land Rover Discovery is above the national average for all models. But it’s the most affordable insurance of the Land Rover models, coming in at $118 per month for liability insurance, according to Compare.com data.
The cheapest Land Rover model to insure is the Discovery. The average cost of liability coverage is $118 per month, and full coverage averages $215 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Melanie Lockert is a personal finance and insurance writer who has been writing for Compare.com since 2023. Her work has also appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She’s also the founder of the blog and author of the book, “Dear Debt” in which she chronicled her journey out of $81,000 of student loan debt.
Melanie is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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