Land Rover LR2 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Land Rover LR2 is less expensive to insure than the average SUV.
• Full coverage insurance for a LR2 runs around $140 a month, on average, while liability only insurance generally comes in at about $76.
• Multi-State is the most affordable auto insurance carrier for a LR2.

LR2 Overview

The Land Rover LR2 is a mid-level SUV with broad appeal, with a base price of $39,100 for 2015 models. There are two different trim levels currently available, so you'll drive off the dealership lot in style.

Based on looking at thousands of car insurance quotes from Compare.com, we've determined that average Land Rover LR2 insurance premiums run around $133 per month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Land Rover LR2?

In the table above, you'll find that Land Rover LR2 insurance prices are below average compared to other vehicles. LR2 owners normally pay about $140 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other models, the LR2 is more affordable, with rates more than 10% lower than other vehicles in Land Rover's lineup. Compared to SUV offerings from other brands, auto insurance for a LR2 is also more affordable, with full coverage insurance prices coming in around 7% less and 5% less for liability only insurance.

Overall, they're just more affordable to insure than the average vehicle, no matter what model, make, or body style they are.

Who has the Cheapest Car Insurance for a Land Rover LR2?

Shopping around for a car insurance policy for your Land Rover LR2? You're likely interested in which company offers the most affordable rates. Although there will never be one carrier that offers the lowest rates for everyone, the cheapest average rates for liability only insurance are sometimes as little as $41 per month from MetLife and CaliforniaCasualty.

The third, fourth, and fifth companies on the list are Commonwealth Casualty, Hugo, and MetroMile. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance companies look at a variety of things when calculating premiums. There's only one way to make sure you find the lowest possible rates, and that's by reviewing quotes from many insurance carriers.

What Factors Affect Car Insurance Rates for a Land Rover LR2?

There are a whole bunch of factors that car insurance companies examine to determine how much to charge you for auto insurance -- and every company weighs certain pieces more than others, so there's not one single carrier that's the most affordable for everyone.

Below are just a few of the variables insurance carriers look at and how each one affects your final rate:

Vehicle Age

Land Rover has been making the LR2 for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the LR2. However, as you can see in the table above, the most expensive Land Rover LR2s to insure are those that are 6 to 7 years old, while the cheapest models are LR2s that are 4 to 5 years old, on average.

Your Age

Age plays a big role in how much you pay for car insurance. Based on the information above, those with more experience have lower premiums than younger LR2 drivers. Land Rover LR2 drivers who are 18 to 24 actually pay $22 more than those 25 or older.

Insurance prices continue to go lower as you get older, with drivers aged 45-54 making up the cheapest age group for the LR2.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. Surprisingly, for LR2 drivers, this trend does not hold, and women pay more for their auto insurance than men.

Where You Live

You might already know that factors like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live matters just as much? Because car insurance is regulated on the state level and not nationally, rates can differ quite a bit from state to state.

For example, the average Land Rover LR2 owner from New York pays about $155 a month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

Land Rover LR2 Car Insurance Discounts

Regardless of what state you live in, which car you drive, or how old you are, it's always a good idea to take advantage of as many auto insurance discounts as possible.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the variables you can use in your favor in order to save money on car insurance:

Your Driving Record

You've almost certainly noticed ads from insurance carriers posting large discounts for good drivers. It follows that if you get a speeding ticket or get into an accident, auto insurance premiums will get higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can see from the table above, accidents will usually cost LR2 drivers more than tickets, but both will result in higher than normal rates. Land Rover LR2 drivers with one ticket will pay an average of $93 per month, while drivers with a single accident on their record pay about $110 per month (up $34 from the $76/mo. overall average). The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Another variable that plays a role in your insurance rates is how much you drive annually. Those who drive less are less likely to get into accidents, so they'll typically be offered less expensive prices. In the above table, you can see that Land Rover LR2 owners who drive between 2,500 and 5,000 miles pay $98 for car insurance, while those who drive more than 10,000 miles each year pay about $61 monthly.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Land Rover LR2s Compare to Other Vehicles?

If you're considering buying a new vehicle and a Land Rover LR2 is on your shortlist, it might be helpful to do your due diligence. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Review the table below to see how the Land Rover LR2 stacks up:

Overall, the Land Rover LR2 has an average MSRP and is in line with the going rate for a new vehicle. The national average vehicle price is $40,098, and the LR2 comes in close to that at $39,100. A used LR2 will be even more affordable, since there hasn't been a new model on the market recently.

Although the purchase price is right in the middle of the spectrum, insurance rates are lower when compared to other vehicles on the market. Full coverage insurance for a Land Rover LR2 is around $10 a month cheaper than average, while liability only coverage is $16 cheaper a month.

When it comes to usage, Land Rover LR2 owners drive about the same amount annually as the national average, with 11,617 miles a year for all vehicles compared to the LR2's 11,030 every year.

Land Rover LR2 Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for car insurance. But if you're considering buying a new LR2, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2015 Land Rover LR2 Car Insurance

You can expect full coverage for a 2015 LR2 to run about $159 per month, while liability only coverage will average around $65 monthly.

Elephant has rates as low as $57 a month for the 2015 Land Rover LR2.

If you're looking for a more exact figure on what you should pay for car insurance for a 2015 Land Rover LR2, you can get free quotes in minutes by just entering your ZIP code below.

2014 Land Rover LR2 Car Insurance

It costs about $160 monthly for liability or $153 for a full coverage policy for the 2014 Land Rover LR2.

With prices as little as $34 per month, Multi-State offered the lowest policy we found.

Interested in what your insurance premium will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing quite a few personalized quotes from the nation's top insurance companies.

2013 Land Rover LR2 Car Insurance

The average cost to insure a 2013 LR2 with liability only coverage is $83 a month, while full coverage runs around $131 monthly.

MetLife offered the cheapest policy we found, with rates as low as just $31 per month.

While these are good estimates of what the average driver might pay to insure a 2013 Land Rover LR2, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2012 Land Rover LR2 Car Insurance

2012 Land Rover LR2 drivers can expect to pay an average of $57 a month for liability or $124 for full coverage.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as little as just $42 per month.

These average rates are a great starting point if you're in the market for a 2012 Land Rover LR2, but there are a wide array of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2011 Land Rover LR2 Car Insurance

On average, drivers who own a 2011 LR2 can expect to pay $61 to $191 monthly for liability only and full coverage car insurance, respectively.

With premiums as cheap as just $29 per month, Commonwealth Casualty offered the lowest policy we found for the 2011 Land Rover LR2.

If you want to know exactly how much you can expect to pay for your LR2, just enter your ZIP code below and get free quotes in minutes.

2010 Land Rover LR2 Car Insurance

It costs about $78 monthly for liability or $127 for a full coverage policy for the 2010 Land Rover LR2.

We found MetLife offered the cheapest policy, with rates as cheap as $36 a month.

Want something more accurate than national averages? Enter your ZIP code below to get several free personalized quotes.

2009 Land Rover LR2 Car Insurance

On average, drivers who own a 2009 LR2 can expect to pay $86 to $128 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2009 Land Rover LR2 insurance policy, Mercury offered the most affordable policy we found, with rates sometimes as low as $32 a month.

If you want to know exactly how much you can expect to pay for your LR2, get free quotes in minutes by just entering your ZIP code below.

2008 Land Rover LR2 Car Insurance

The average cost to insure a 2008 Land Rover LR2 with liability only coverage is $70 per month, while full coverage runs around $136 monthly.

With prices sometimes as cheap as $19 a month, Liberty Mutual offered the lowest policy we found for the 2008 Land Rover LR2.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

Land Rover LR2 Insurance FAQs

Is a Land Rover LR2 expensive to insure?

Liability insurance runs an average of $76 per month, while full coverage will cost you around $140. When compared to the national average of all vehicles, rates come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Land Rover LR2?

There's only one way to confirm you're getting the most affordable rates -- regularly shopping around and comparing quotes from a range of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Land Rover LR2 affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. There are lots of things auto insurance carriers consider when they decide your insurance premium, but your LR2's color is not factored into that equation.

Do I need to have insurance before I buy a Land Rover LR2?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but the easiest thing to do is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Land Rover LR2?

There are a ton of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your LR2 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance carrier and ask about their list of discounts, since they shift quite a bit from carrier to carrier.