- A Land Rover Defender is more affordable to insure compared to the average SUV.
- Full coverage insurance for a Defender averages about $133 per month, on average, while liability only insurance generally tends to be around $48.
- Mercury offers the lowest average rates for a Defender with liability only coverage offered for as low as just $46 monthly.
In This Article
With 2020 models coming in with a base MSRP of $49,900, the Land Rover Defender is a mid-level SUV with broad appeal. With six different trim levels currently offered, there's an option for every driver.
We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Land Rover Defender car insurance rates average out to about $165 per month. But how does that compare to other SUVs on the market?
|Current Base Price||$49,900|
|Trim Levels||110 1ST EDITION, 110 S, 110 X, 110, 110 SE, 110 HSE|
|Average Insurance Premium||$165/mo.|
|Cheapest Insurance Company||Mercury|
How Much is Car Insurance for a Land Rover Defender?
|Vehicle||Liability Only||Full Coverage|
|Land Rover Defender||$48||$133|
|All Land Rover Models||$85||$184|
|Average Insurance Premium||$81||$169|
If you look at the table above, you'll see that Land Rover Defender insurance premiums are less expensive than average. Defender drivers can expect to pay around $133 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $48 monthly for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
When you compare it to other models, the Defender is less expensive, with prices about 28% lower than the other vehicle types offered by Land Rover. Likewise, coverage for the Defender is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive premiums than other SUVs.
When compared to all vehicles, regardless of make, body style, or model, the Defender follows a similar pattern of having below average auto insurance rates.
Who has the Cheapest Car Insurance for a Land Rover Defender?
|Insurance Company||Average Monthly Premium|
Browsing for an auto insurance policy for your Land Rover Defender? You're likely interested in which carrier offers the cheapest rates. Although prices can change pretty significantly depending on your driver profile, the cheapest average rates for liability only insurance are sometimes as little as $46 a month from Mercury. With car insurance as cheap as $53 monthly, PlymouthRockNJ is the next most affordable insurance company.
However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.
After all, car insurance companies look at a multitude of factors when calculating premiums, so your results might be different. There's only one way to make sure you find the cheapest possible rates, and that's by getting quotes from several auto insurance carriers.
What Factors Affect Car Insurance Rates for a Land Rover Defender?
There are many pieces that insurance companies consider to decide how much they charge -- and every carrier uses a different method, so there's not a single company that's the lowest for everyone.
The sections below show numerous things car insurance carriers use to determine rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$49|
|2-3 Years||Not Enough Data|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||$48|
The Land Rover Defender has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go down.
As you can see in the information above, the Land Rover Defender follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are Defenders that are 15 years old or more, on average.
|Age||Average Monthly Premium|
Age is another variable that makes a significant difference in how much auto insurance companies will charge you for car insurance. Based on the information above, younger Defender drivers have cheaper rates than drivers who have more experience.
Auto insurance prices continue to get lower as you get older, with the cheapest age group being 35-44 for Defender drivers.
|Gender||Average Monthly Premium|
Because women are less likely to get speeding tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, women usually pay less for auto insurance than men. Surprisingly, when it comes to Defender drivers specifically, women pay around 8% more than men every month for car insurance.
Where You Live
|State||Average Monthly Premium|
You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live is just as important? Since car insurance is regulated at the state level, premiums can shift quite a bit from state to state.
For example, the average Land Rover Defender owner from New York pays about $75 per month for liability coverage. Meanwhile, the same Californian driver will pay $32 less than that price, on average.
Land Rover Defender Car Insurance Discounts
Whatever how old you are, what state you call home, or which car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible.
Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:
- Defensive driving discounts for taking a defensive driving class through a certified school or institution
- Multi-vehicle discounts for having several cars on your auto policy
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Multi-policy discounts for getting both your home and auto policies from the same insurance company
These discounts are great, but sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.
You obviously can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use to your advantage in order to save money on insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
It's no secret that car insurance carriers offer the most affordable prices to drivers with a history of responsible driving. And you're probably not surprised to hear that if you get speeding tickets or get into an accident, insurance rates will increase. But you're probably wondering exactly how much these infractions will cost you.
As you can tell from the table above, accidents will usually cost Defender drivers more than tickets, but both will result in higher than average rates. The rates only go higher the more collisions you have or tickets you get.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor you have control over is the amount of miles you drive. Those who are on the roads less often are less likely to get speeding tickets, so they'll typically get lower premiums. Above, you can see that Land Rover Defender owners who drive between 5,000 and 7,500 miles per year pay an average of $31 monthly for auto insurance, while those who put less than 2,500 miles on their cars pay $86.
But if you don't use your Land Rover Defender to travel or commute regularly, you might consider learning about usage-based or pay-per-mile car insurance policies. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.
How Do Land Rover Defenders Compare to Other Vehicles?
If you're considering purchasing a new SUV and a Land Rover Defender is on your shortlist, it can pay off to do your research. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering.
Visit the table below to see how the Land Rover Defender stacks up:
|Land Rover Defender||National Average|
|Full Coverage Insurance||$190||$169|
|Average Annual Mileage||6,970||11,617|
Overall, the Land Rover Defender has an average MSRP and is in line with the going rate for a new vehicle. The national average vehicle price is $46,547, and the Defender comes in close to that at $49,900.
Full coverage insurance for a Land Rover Defender is around $21 per month more than average, while liability only coverage is more than $30 cheaper a month.
When it comes to usage, Land Rover Defender drivers are far from the national average in annual miles driven, with 6,970 miles each year compared to 11,617 for all vehicles.
Land Rover Defender Car Insurance Costs by Model Year
So far, you've seen how different things affect how much the average driver pays for insurance. But if you're considering buying a new vehicle and the Defender is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.
2020 Land Rover Defender Car Insurance
|Liability Only Avg. Premium||$49|
|Full Coverage Avg. Premium||$190|
|Cheapest Insurance Company||Mercury - $46/mo.|
|Available Trims||110, 110 1ST EDITION, 110 HSE, 110 S, 110 SE, 110 X|
It costs about $49 per month for liability or $190 for a full coverage policy for the 2020 Defender.
If you're looking for the most affordable 2020 Land Rover Defender insurance policy, Mercury offered the lowest policy we found, with rates as little as just $46 monthly.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
Land Rover Defender Insurance FAQs
Is a Land Rover Defender expensive to insure?
Liability insurance runs an average of $48 a month, while full coverage will cost you around $133. The Land Rover Defender is less expensive to insure compared to the average vehicle.
How can I get the best price on car insurance for my Land Rover Defender?
The only way to make sure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from a lot of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Land Rover Defender affect my insurance premiums?
You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. Even though there are multiple variables auto insurance companies look at when they calculate how much you'll pay, the color of your car is not on that list.
Do I need to have insurance before I buy a Land Rover Defender?
Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid insurance policy. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your car insurance company know before you buy.
What car insurance discounts can I get for my Land Rover Defender?
There are a ton of discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your Land Rover Defender and more on you, but if your Defender has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The best way to find out is to talk with your insurance agent and ask about their discounts, since they vary quite a bit from carrier to carrier.