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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Land Rover Defender drivers pay an average of $199 per month for car insurance — roughly 22% more than the national average for all vehicles.
USAA offers the cheapest average rates for the Defender, at just $108 per month. But its policies are only available to military members and their families.
While high repair costs and a luxury price tag drive up premiums, the Defender’s advanced safety features can help offset that somewhat.
Your car insurance rates partly depend on the coverage you choose for your Defender. A basic liability-only policy covers the damage you cause to other people and their property. But it won’t pay to fix your SUV.
To protect your Land Rover, you’ll likely want full coverage. Full-coverage policies are more expensive but include collision and comprehensive coverage. Collision insurance covers your Defender in an accident. Comprehensive insurance covers non-collision incidents like theft, fire, or severe weather.
Here’s how the cost to insure a Defender compares to national averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Land Rover Defender | $136 | $262 | $199 |
| All vehicles | $113 | $212 | $163 |
Insuring a Defender typically costs more than the average vehicle — roughly $50 extra per month for a full-coverage policy.
But your policy type isn’t the only thing that affects your premium. Let’s explore how other factors come into play.
While your Defender’s age and safety features play a role in your premium, so does your choice of insurer. Rates can vary wildly from one company to the next, even for the exact same vehicle. So shopping around is one of the smartest moves you can make.
Here are the most affordable insurance companies for your Land Rover, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $119 |
| Allstate | $153 |
| American Family | $163 |
| GEICO | $167 |
| CSAA | $183 |
| Nationwide | $197 |
| Progressive | $201 |
| Travelers | $206 |
| Farmers | $233 |
| Liberty Mutual | $278 |
| Amica | $524 |
USAA is the cheapest option on our list, at just $108 per month. That’s significantly lower than the $199 monthly average for all Defender policies. But you need to be a member of the military community to buy a policy from USAA.
But State Farm’s average rate for the Defender isn’t far behind, making it a great choice if you don’t qualify for USAA.
Here’s our breakdown of the three best insurance companies for the Defender to help you decide which one fits your needs.
| 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. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you or a family member has served in the military, USAA is your best bet for insuring your Defender. The insurer consistently offers the lowest premiums while maintaining top-tier customer satisfaction ratings. Beyond the price, USAA also offers flexible payment plans and specialized coverage.
Competitive Defender rates
Ranks No. 1 for customer satisfaction by J.D. Power[1]
Bundling discounts available
Military eligibility required
Limited in-person support
Diminishing deductible not available
| User Reviews | 3.9 |
|---|---|
| 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. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a strong alternative if you don’t qualify for USAA. It offers competitive rates for the Defender that are still well below the national average. The insurer boasts higher-than-average customer satisfaction scores and a large network of local agents who can walk you through your policy. State Farm also offers a wide range of discounts to help you save on your policy.
Many agents available
AM Best financial strength rating of A+ (Superior)[2]
Offers rideshare coverage
Gap insurance not available
Higher rates for drivers with less-than-perfect credit
Fewer optional coverages
| User Reviews | 3.5 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a strong range of coverage types, including full coverage, rideshare insurance, and special policies for electric vehicles. You can get Allstate discounts for your Defender’s safety equipment and for driving safely. The insurer also offers optional programs to help protect your vehicle, like roadside assistance and extended vehicle care.
Compare quotes for your SUV as low as $108 per month.
Insurance rates are higher for the Defender because it typically has a higher value. The manufacturer’s suggested retail prices (MSRP) for the SUV range from $63,500 to $158,300, depending on the trim you choose. As newer models usually cost more to repair or replace, they often cost more to insure.
As your Defender ages, its value declines, and your insurance rate typically follows. Here’s how average Defender rates vary by vehicle age, according to Compare.com data.
Defender Model Year | Average Monthly Premium |
|---|---|
| 2026 | $239 |
| 2025 | $240 |
| 2024 | $240 |
| 2023 | $240 |
| 2022 | $240 |
| 2021 | $232 |
| 2020 | $221 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $143 |
| Allstate | $183 |
| GEICO | $200 |
| CSAA | $219 |
| American Family | $195 |
| Progressive | $241 |
| Nationwide | $236 |
| Travelers | $247 |
| Farmers | $279 |
| Liberty Mutual | $333 |
| Amica | $628 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $144 |
| Allstate | $185 |
| GEICO | $202 |
| CSAA | $221 |
| American Family | $197 |
| Progressive | $243 |
| Nationwide | $238 |
| Travelers | $249 |
| Farmers | $281 |
| Liberty Mutual | $336 |
| Amica | $633 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $144 |
| Allstate | $185 |
| GEICO | $202 |
| CSAA | $221 |
| American Family | $197 |
| Progressive | $243 |
| Nationwide | $238 |
| Travelers | $249 |
| Farmers | $281 |
| Liberty Mutual | $336 |
| Amica | $633 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $143 |
| Allstate | $184 |
| GEICO | $201 |
| CSAA | $220 |
| American Family | $196 |
| Progressive | $242 |
| Nationwide | $237 |
| Travelers | $248 |
| Farmers | $280 |
| Liberty Mutual | $335 |
| Amica | $631 |
Company | Average Monthly Premium |
|---|---|
| USAA | $130 |
| State Farm | $143 |
| Allstate | $184 |
| GEICO | $201 |
| CSAA | $220 |
| American Family | $196 |
| Progressive | $242 |
| Nationwide | $237 |
| Travelers | $248 |
| Farmers | $280 |
| Liberty Mutual | $335 |
| Amica | $631 |
Company | Average Monthly Premium |
|---|---|
| USAA | $126 |
| State Farm | $138 |
| Allstate | $178 |
| GEICO | $194 |
| CSAA | $213 |
| American Family | $190 |
| Progressive | $234 |
| Nationwide | $229 |
| Travelers | $240 |
| Farmers | $271 |
| Liberty Mutual | $323 |
| Amica | $610 |
Company | Average Monthly Premium |
|---|---|
| USAA | $120 |
| State Farm | $132 |
| Allstate | $170 |
| GEICO | $185 |
| CSAA | $203 |
| American Family | $181 |
| Progressive | $223 |
| Nationwide | $219 |
| Travelers | $229 |
| Farmers | $259 |
| Liberty Mutual | $309 |
| Amica | $582 |
Where you live affects your Defender’s insurance cost due to local risks and laws. For example, Defender drivers in urban areas with a lot of traffic congestion have a higher crash risk and will typically pay higher premiums.
Other location-specific factors like theft and vandalism rates, severe weather, repair costs, and levels of auto insurance fraud all affect car insurance premiums.[4]
The following map shows average Defender insurance premiums by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $164 |
| Arkansas | $189 |
| Arizona | $175 |
| California | $214 |
| Colorado | $214 |
| Connecticut | $296 |
| Delaware | $248 |
| Florida | $232 |
| Georgia | $265 |
| Hawaii | $131 |
| Idaho | $112 |
| Illinois | $109 |
| Indiana | $165 |
| Iowa | $136 |
| Kansas | $154 |
| Kentucky | $206 |
| Louisiana | $223 |
| Maine | $157 |
| Maryland | $316 |
| Massachusetts | $145 |
| Michigan | $240 |
| Minnesota | $181 |
| Mississippi | $189 |
| Missouri | $157 |
| Montana | $155 |
| Nebraska | $92 |
| Nevada | $122 |
| New Hampshire | $150 |
| New Jersey | $91 |
| New Mexico | $280 |
| New York | $151 |
| North Carolina | $263 |
| North Dakota | $229 |
| Ohio | $129 |
| Oklahoma | $178 |
| Oregon | $159 |
| Pennsylvania | $168 |
| Rhode Island | $229 |
| South Carolina | $255 |
| South Dakota | $144 |
| Tennessee | $148 |
| Texas | $228 |
| Utah | $156 |
| Vermont | $186 |
| Virginia | $149 |
| Washington | $177 |
| Washington D.C. | $327 |
| West Virginia | $126 |
| Wisconsin | $153 |
| Wyoming | $117 |
Experience behind the wheel can make a big difference in your insurance rates. Teen drivers pay the highest rates because they’re more likely to be in accidents.[5] Premiums tend to drop in your 20s and 30s.
Senior drivers typically have the lowest insurance rates, although premiums rise a bit after age 70 as accident risks increase again.
Here’s how Defender insurance costs compare by age group, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $382 |
| Adults | $199 |
| Seniors | $171 |
Inexperience and risky driving behaviors — like speeding — contribute to the serious accident risk for teens and young drivers. In fact, the fatality rate for drivers younger than 20 is nearly three times the rate for adult drivers, according to the Centers for Disease Control and Prevention (CDC).[6]
The chart below shows the average rates for teen Defender drivers, according to our data.
Senior drivers tend to pay lower insurance rates because they often drive less and take fewer risks. Older drivers have fewer fatal crashes, largely thanks to experience and cautious habits.[7]
Here’s how Defender insurance costs compare for seniors, based on our data.
Your driving record is one of the most important factors affecting what you’ll pay to insure your Land Rover Defender. A driving record without any motor vehicle violations can help you score the lowest premiums.
But if you have accidents, speeding tickets, or driving under the influence (DUI) convictions on your driving record, you’ll pay more for car insurance. Fortunately, you’ll still have options. Some companies even specialize in covering high-risk drivers.
Here’s what Defender insurance costs look like for different driving records, based on our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $199 |
| Speeding ticket | $267 |
| At-fault accident | $285 |
| DUI | $334 |
Speeding increases your chance of an accident, so insurance companies consider a speeding ticket as a signal of risky driving.[8] Even one ticket may cause rates to climb around 29%, our data shows. And that increase could affect your premium for three to five years, depending on where you live.
Here’s how Defender insurance rates compare for drivers with a recent ticket, based on our data.
An accident — especially one you cause — can significantly raise your insurance rates. Insurers see at-fault crashes as signs of higher risk. One accident claim can boost premiums up to 33% nationwide, according to our data.
Here’s how Defender rates vary by insurer after an at-fault accident, based on our data.
Driving under the influence makes you up to 12 times more likely to get into a serious accident, according to the National Highway Traffic Safety Administration (NHTSA).[9] Insurers know the risks and respond with much higher premiums if you have a DUI conviction. A DUI conviction can increase your premium by 61%, our data shows.
Here’s a look at what top insurers charge Defender drivers who have DUIs on their records, according to our data.
The Defender is both a luxury SUV and a rugged off-roader. So insurers weigh a unique mix of factors when calculating your premium, including:
Vehicle value: 2025 Defender models start at around $62,000 and climb well over $100,000 for top trims. The high replacement costs drive up premiums.[10]
Repair costs: Maintenance and repairs for the Defender are significantly higher than average. You could spend more than $18,000 in the first 10 years, according to CarEdge.[11] Specialized parts and labor mean insurers charge more to cover potential claims.
Safety features: The 2025 Defender comes with plenty of safety features that can work in your favor when it comes to insurance pricing. Many insurers offer lower rates for features like emergency braking, lane-keeping assistance, and blind-spot assist — all standard on the Defender.
Lower theft risks: Although it’s a high-value, luxury vehicle, the Defender wasn’t one of the top five most-stolen vehicles in 2024, according to the National Insurance Crime Bureau (NICB).[12] The Defender isn’t a primary target for everyday thieves, which helps keep comprehensive rates reasonable.
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Insuring a luxury off-roader doesn’t have to drain your wallet. Here are a few ways to lower your Defender premiums:
Install extra security. While your Defender comes with decent security, adding an aftermarket immobilizer or tracking device can often score you an anti-theft discount.
Leverage safety tech. Make sure your insurer knows about every safety feature your specific trim has, like a 3D surround camera or wade sensing. These aren’t just cool gadgets. They reduce risk and can qualify you for a vehicle safety discount.
Take a defensive driving course. Completing an approved defensive driving or off-road safety course shows insurers you’re a responsible driver. Taking one of these courses can earn you a discount of up to 10% in some states.
Bundle your policies. Bundling home, condo, or renters insurance with your auto policy is one of the easiest ways to significantly drop your rate.
Get rates from 100+ top insurers and save money in seconds.
If you have questions about getting the right coverage for your Land Rover Defender, we’re here to help. Here are answers to some of the most common concerns from Defender drivers.
Yes. Average premiums for the Land Rover Defender are well above the national average. The overall average monthly cost to insure a Defender is $199, compared to the national monthly average for all vehicles of $163, according to Compare.com data.
USAA is the cheapest insurance company for the Land Rover Defender, with rates averaging $108 per month, according to Compare.com data. But if you’re not a member of the military community, you can’t buy a USAA policy. State Farm and Allstate also offer affordable Defender premiums, averaging $119 and $153 per month, respectively.
The average cost of car insurance for a 2025 Defender is $240 per month. Full coverage costs an average of $314 monthly, and liability coverage averages $163.
The Range Rover is the cheapest Land Rover model to insure, at $191 per month, according to Compare.com data. By comparison, the Defender averages $199 per month.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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