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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Range Rover insurance costs $191 per month, on average — nearly 20% above the U.S. national average for all vehicles.
USAA offers the cheapest coverage for Range Rover owners, at $105 per month.
Range Rover premiums run high due to luxury pricing and repair costs, though advanced safety features can help offset some of that with discounts.
Your Range Rover car insurance premiums depend on whether you choose a liability-only policy or full coverage. Liability insurance is often the most affordable option. It covers damages you’re responsible for in an accident, but not your own vehicle.
Full coverage adds comprehensive and collision insurance to protect your Range Rover from theft, weather damage, vandalism, and crash-related repairs.
Check out the table below to compare auto insurance rates for different policy types for the Range Rover and the average vehicle, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Range Rover | $127 | $255 | $191 |
| All vehicles | $113 | $212 | $163 |
Range Rover drivers typically pay higher car insurance rates than the average driver. Liability insurance is $127 per month, on average, and full coverage costs $255 per month.
Policy type is just one factor that affects your premium. We’ll discuss other factors that influence rates in the sections below.
Comparing quotes can save you up to $867.
Insurance companies weigh risks differently, so price gaps are common when comparing insurers. For example, one insurer might focus more on your credit history, while another prioritizes your driving record or ZIP code.
Here are the cheapest insurers for the Range Rover, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $116 |
| Allstate | $148 |
| GEICO | $162 |
| AAA | $178 |
| American Family | $158 |
| Progressive | $196 |
| Nationwide | $192 |
| Travelers | $200 |
| Farmers | $227 |
| Liberty Mutual | $270 |
| Amica | $510 |
| User Reviews | 4.2 |
|---|---|
| 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.
USAA can help Range Rover owners save money on insurance without sacrificing quality coverage. If an accident totals or someone steals your car, the company’s car replacement assistance provides 20% above actual cash value — crucial protection considering the Range Rover’s steep depreciation. USAA's customer service and claims handling are also top-notch.[1] [2]
Cheapest premiums overall
Military-member specific discounts
Not everyone qualifies for coverage
No local branches
| 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 has some of the most flexible options for bundling discounts. You can save when combining a Range Rover auto policy with home, condo, renters, or life insurance. The Drive Safe & Save program gives you a discount simply for signing up, and safe driving habits can further reduce your bill.
Savings for bundling coverage
Available nationwide
Below-average claims satisfaction
No self-service policy management
| User Reviews | 3.6 |
|---|---|
| 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 perks that Range Rover owners appreciate, such as accident forgiveness and coverage to help with unexpected vehicle repairs. The company also offers three options for roadside assistance: stand-alone coverage, pay-per-use, and as an add-on to your Allstate policy.
Accident forgiveness available
Affordable extended repair coverage
Drivewise may increase rates
Few add-on options
Your car’s age and value both play a role in your car insurance costs. As vehicles get older, they depreciate. This drop in value translates to lower insurance premiums because your insurer pays less when a crash totals your Range Rover.
For example, a brand-new Range Rover starts around $110,000 and has an average monthly insurance cost of $231.[3] On the other hand, a 10-year-old model costs around $50 less each month to insure. As your Range Rover ages and continues to lose value, you’ll typically see your premiums decrease.
The tables below illustrate this trend across Range Rover model years, according to our research.
Range Rover Model Year | Average Monthly Premium |
|---|---|
| 2026 | $229 |
| 2025 | $231 |
| 2024 | $231 |
| 2023 | $230 |
| 2022 | $230 |
| 2021 | $222 |
| 2020 | $212 |
| 2019 | $208 |
| 2018 | $200 |
| 2017 | $197 |
| 2016 | $191 |
| 2015 | $186 |
| 2014 | $184 |
| 2013 | $175 |
| 2012 | $169 |
| 2011 | $165 |
| 2010 | $163 |
| 2009 | $157 |
| 2008 | $155 |
| 2007 | $152 |
| 2006 | $151 |
| 2005 | $146 |
| 2004 | $143 |
| 2003 | $141 |
| 2002 | $142 |
| 2001 | $142 |
| 2000 | $140 |
Company | Average Monthly Premium |
|---|---|
| USAA | $126 |
| State Farm | $139 |
| Allstate | $177 |
| GEICO | $194 |
| AAA | $213 |
| American Family | $189 |
| Progressive | $235 |
| Nationwide | $230 |
| Travelers | $240 |
| Farmers | $272 |
| Liberty Mutual | $324 |
| Amica | $612 |
Company | Average Monthly Premium |
|---|---|
| USAA | $127 |
| State Farm | $140 |
| Allstate | $179 |
| GEICO | $196 |
| AAA | $215 |
| American Family | $191 |
| Progressive | $237 |
| Nationwide | $232 |
| Travelers | $242 |
| Farmers | $274 |
| Liberty Mutual | $326 |
| Amica | $616 |
Company | Average Monthly Premium |
|---|---|
| USAA | $127 |
| State Farm | $140 |
| Allstate | $179 |
| GEICO | $196 |
| AAA | $215 |
| American Family | $191 |
| Progressive | $237 |
| Nationwide | $232 |
| Travelers | $242 |
| Farmers | $274 |
| Liberty Mutual | $326 |
| Amica | $616 |
Company | Average Monthly Premium |
|---|---|
| USAA | $126 |
| State Farm | $140 |
| Allstate | $178 |
| GEICO | $195 |
| AAA | $214 |
| American Family | $190 |
| Progressive | $236 |
| Nationwide | $231 |
| Travelers | $241 |
| Farmers | $273 |
| Liberty Mutual | $325 |
| Amica | $614 |
Company | Average Monthly Premium |
|---|---|
| USAA | $126 |
| State Farm | $140 |
| Allstate | $178 |
| GEICO | $195 |
| AAA | $214 |
| American Family | $190 |
| Progressive | $236 |
| Nationwide | $231 |
| Travelers | $241 |
| Farmers | $273 |
| Liberty Mutual | $325 |
| Amica | $614 |
Company | Average Monthly Premium |
|---|---|
| USAA | $122 |
| State Farm | $135 |
| Allstate | $172 |
| GEICO | $189 |
| AAA | $207 |
| American Family | $184 |
| Progressive | $228 |
| Nationwide | $223 |
| Travelers | $233 |
| Farmers | $264 |
| Liberty Mutual | $314 |
| Amica | $593 |
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| State Farm | $129 |
| Allstate | $164 |
| GEICO | $180 |
| AAA | $198 |
| American Family | $175 |
| Progressive | $218 |
| Nationwide | $213 |
| Travelers | $222 |
| Farmers | $252 |
| Liberty Mutual | $300 |
| Amica | $566 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $126 |
| Allstate | $161 |
| GEICO | $176 |
| AAA | $194 |
| American Family | $172 |
| Progressive | $213 |
| Nationwide | $209 |
| Travelers | $218 |
| Farmers | $247 |
| Liberty Mutual | $294 |
| Amica | $555 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $155 |
| GEICO | $170 |
| AAA | $186 |
| American Family | $166 |
| Progressive | $205 |
| Nationwide | $201 |
| Travelers | $210 |
| Farmers | $238 |
| Liberty Mutual | $283 |
| Amica | $534 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $119 |
| Allstate | $152 |
| GEICO | $167 |
| AAA | $183 |
| American Family | $163 |
| Progressive | $202 |
| Nationwide | $198 |
| Travelers | $206 |
| Farmers | $234 |
| Liberty Mutual | $278 |
| Amica | $525 |
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $116 |
| Allstate | $148 |
| GEICO | $162 |
| AAA | $178 |
| American Family | $158 |
| Progressive | $196 |
| Nationwide | $192 |
| Travelers | $200 |
| Farmers | $227 |
| Liberty Mutual | $270 |
| Amica | $509 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $113 |
| Allstate | $144 |
| GEICO | $158 |
| AAA | $174 |
| American Family | $154 |
| Progressive | $191 |
| Nationwide | $187 |
| Travelers | $195 |
| Farmers | $222 |
| Liberty Mutual | $264 |
| Amica | $498 |
Compare personalized quotes from dozens of top companies in minutes.
Where you live, down to your ZIP code, shapes your insurance bill in surprising ways. Insurers look at everything from lawsuit frequency to how much body shops charge for repairs in your area. Insurance fraud rates in your region can also influence pricing.[4]
Check out the map below to see what Range Rover owners typically pay across different states, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $158 |
| Arizona | $168 |
| Arkansas | $181 |
| California | $205 |
| Colorado | $205 |
| Connecticut | $284 |
| Delaware | $238 |
| Florida | $222 |
| Georgia | $255 |
| Hawaii | $126 |
| Idaho | $105 |
| Illinois | $158 |
| Indiana | $130 |
| Iowa | $107 |
| Kansas | $148 |
| Kentucky | $198 |
| Louisiana | $214 |
| Maine | $140 |
| Maryland | $303 |
| Massachusetts | $151 |
| Michigan | $230 |
| Minnesota | $174 |
| Mississippi | $151 |
| Missouri | $181 |
| Montana | $149 |
| Nebraska | $144 |
| Nevada | $253 |
| New Hampshire | $88 |
| New Jersey | $269 |
| New Mexico | $145 |
| New York | $220 |
| North Carolina | $89 |
| North Dakota | $117 |
| Ohio | $123 |
| Oklahoma | $171 |
| Oregon | $152 |
| Pennsylvania | $161 |
| Rhode Island | $220 |
| South Carolina | $244 |
| South Dakota | $138 |
| Tennessee | $142 |
| Texas | $219 |
| Utah | $150 |
| Vermont | $143 |
| Virginia | $179 |
| Washington | $169 |
| Washington D.C. | $314 |
| West Virginia | $147 |
| Wisconsin | $121 |
Alaska and Wyoming omitted due to insufficient data
Experience matters when it comes to insurance premiums. Motor vehicle crashes are a leading cause of death for teens ages 13–19, and that added risk means higher insurance rates.[5] But as drivers gain years behind the wheel, insurers reward them with lower rates.
The table below compares Range Rover insurance costs across age groups, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $367 |
| Adults | $191 |
| Seniors | $164 |
Inexperience puts teens and young drivers at serious risk on the road. In fact, the fatal crash rate per mile driven is nearly three times as high for 16- to 19-year-olds as it is for drivers aged 20 and older. This elevated crash risk translates directly into steeper premiums for young drivers.
The table below shows the most affordable options for teen drivers with a Range Rover, according to our data.
Many seniors have decades of safe driving habits to rely on, which can result in lower insurance premiums. Older drivers tend to be more cautious, drive fewer miles, and avoid risky driving conditions, such as nighttime or bad weather.[6]
They’re also more likely to follow traffic rules and obey speed limits, according to the Insurance Information Institute (Triple-I).[7]
The chart below highlights the best insurance rates for senior Range Rover drivers, based on our research.
Your driving history has real consequences for your insurance costs. Insurers view tickets, crashes, and driving under the influence (DUI) convictions as red flags that you’re more likely to file future claims. That increased risk means you’ll pay more to stay insured.
The good news is that certain insurance companies specialize in covering high-risk drivers, so you’ll still have options even with a less-than-perfect record.
The table below shows how different driving records affect Range Rover premiums, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $191 |
| Speeding ticket | $256 |
| At-fault accident | $273 |
| DUI | $321 |
Speeding tickets tell insurers you’re willing to take risks, and risk is something insurance companies try to avoid. How fast you were going over the speed limit also matters. Excessive speed violations can stay on your record longer and trigger bigger rate increases.
The chart below compares Range Rover insurance costs by company for drivers with speeding tickets, according to our data.
Causing an accident makes you an even greater risk to insure. In fact, insurers estimate that one crash often predicts another, so companies will raise rates to offset potential future claims. Our data shows that just one at-fault accident can increase car insurance rates by an average of 34%.
But you can still find a decent deal if you know where to look. The chart below highlights the cheapest insurers for Range Rover drivers after an accident, according to our data.
A DUI labels you as a high-risk driver, which leads to an average rate increase of 61% nationwide, according to our research. Many states also require SR-22 or FR-44 filings, which insurers often charge more to file for you.
Still, some insurance companies offer relatively low rates to drivers with a DUI, and some even specialize in this type of high-risk coverage.
The table below shows the most affordable Range Rover insurance for drivers with DUIs, according to Compare.com data.
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A few factors can affect Range Rover car insurance premiums:
High price: The 2025 Range Rover’s starting cost is around $109,000, and some trims top $240,000.[8] Comprehensive and collision coverage for your Range Rover can cost more since insurers face bigger claims payouts.
Luxury status and performance capabilities: Range Rovers are luxury SUVS that offer serious performance — a combination that can drive up insurance rates.
Advanced safety features: Standard equipment like emergency braking, blind-spot monitoring, and lane-keep assist can qualify you for safety discounts.
Low theft rates: Range Rover isn’t on the National Insurance Crime Bureau’s 2024 most-stolen vehicles list, so it avoids theft-related premium increases.[9]
Consider these five strategies for lowering your Range Rover insurance costs:
Highlight low mileage. If you use your Range Rover primarily as a weekend driver or secondary vehicle, make sure your insurer is aware of your actual annual mileage.
Ask about safety feature discounts. Range Rovers come loaded with technology to help prevent accidents, which can reduce claim risk and qualify you for discounts.
Bundle everything. Range Rover owners often have other insurance needs. Combine your auto policy with homeowners, umbrella coverage, and other policies to unlock multi-policy discounts.
Invest in secure parking. Store your Range Rover in a locked garage to reduce theft and damage risk.
Compare policy prices. It’s a good idea to shop and compare insurance quotes regularly to ensure you’re getting the best coverage and rate for your Range Rover.
Compare personalized quotes and find the best insurer for your Range Rover.
Insuring a luxury SUV like the Range Rover raises several questions. Below, we answer the most common questions Range Rover owners ask about their coverage.
Yes. The overall average monthly coverage cost for a Range Rover is $191, according to Compare.com data. That’s much higher than the average of $163 per month for all vehicles.
USAA generally is the cheapest insurance company for Range Rovers, with rates averaging $105 per month, according to Compare.com data. Unfortunately, not everyone is eligible for a USAA policy. Only military members and their families qualify.
State Farm or Allstate are the second- and third-cheapest insurers for Range Rovers, with average monthly premiums of $116 and $148, respectively.
Drivers pay an overall average of $229 per month to insure a 2026 Range Rover, according to our data. That breaks down to $308 per month for full coverage and $153 for a liability-only policy.
Range Rovers are generally cheaper to insure than other Land Rover models, 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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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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