Affordable Land Rover Auto Insurance Quotes (2023)
Insuring a Land Rover costs $172 monthly. The cost of your monthly payment will depend on which Land Rover model you own. The 2023 Land Rover Range Rover Evoque is the cheapest to own while the 2023 Land Rover Range Rover is the most expensive.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jul 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Land Rover Range Rover is the most expensive model to insure, as it has a high retail price
- Cheaper models to insure are the Land Rover Range Evoque and the Land Rover Discovery Sport
- Raising deductibles and applying for discounts will help drivers find savings on their Land Rover auto insurance
Because Land Rovers are high-end SUVs with higher retail prices, they also have higher average auto insurance rates. However, no matter what model of Land Rover you own, there are ways to save on auto insurance and find affordable Land Rover insurance rates.
Read on to learn about the different auto insurance coverages for Land Rovers, the average rates you can expect for different Land Rover models, and the best ways to find affordable auto insurance for your Land Rover.
Auto Insurance Coverages for Land Rovers
Some drivers may be tempted to do away with as much auto insurance coverage as possible to save on their policies, but this could leave them open to large bills after an accident. Generally, most drivers should carry comprehensive and collision insurance on their Land Rover in addition to the state-mandated coverages. Unless your Land Rover is older and depreciated in value, these coverages will protect you in a number of situations.
If you have a lease or loan on your Land Rover, your lender will require you to carry these coverages. Collision coverage covers your Land Rover’s repairs if you crash into an object or another vehicle. Comprehensive auto insurance covers your Land Rover’s repairs if you crash into an animal. It also covers damages from vandalism and weather.
As for state-required auto insurance coverages on your Land Rover, you will likely have to carry liability insurance, medical insurance, and uninsured/underinsured motorist coverage. However, it depends on your state, as not all states require medical insurance or uninsured/underinsured motorist coverage. Below is a quick overview of the different types of auto insurance coverage for your Land Rover:
- Medical payments (MedPay) insurance: Medpay helps pay medical bills if you or your passengers are injured in a car crash.
- Liability auto insurance: If you cause a car crash that injures other people or damages their property, liability insurance pays their bills.
- Personal injury protection (PIP) auto insurance: PIP helps pay medical bills if you or your passengers are injured in a car crash. It also covers related costs like lost wages.
- Underinsured motorist insurance: This insurance coverage helps pay your accident bills if you are hit by a driver who doesn’t have enough insurance coverage to pay all of your costs.
- Uninsured motorist insurance: This is similar to underinsured motorist coverage, but it pays your accident bills if the driver who hit you has no auto insurance coverage. Learn what happens if you hit an uninsured driver.
Generally, a combination of the above coverages will be the only coverages you are required by law to carry on your Land Rover. All other coverages are up to you unless you have a lease or loan agreement. Learn how to get auto insurance here.
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Land Rover Average Auto Insurance Rates
Now that you know what coverages you’ll need on your Land Rover, let’s take a look at some of the average rates you’ll pay for basic coverages on different Land Rover models:
Vehicle Model | Comprehensive Rates | Collision Rates | Liability Rates | Full Coverage Rates |
---|---|---|---|---|
2023 Land Rover Range Rover Evoque | $36 | $64 | $42 | $157 |
2023 Land Rover Discovery Sport | $37 | $67 | $42 | $161 |
2023 Land Rover Range Rover Sport | $43 | $81 | $42 | $182 |
2023 Land Rover Range Rover | $45 | $87 | $42 | $190 |
The Land Rover Range Rover is expensive to insure, as it can cost well over $100,000. Models with lower retail prices, like the Land Rover Range Evoque, will have cheaper auto insurance rates on average.
The cost of replacement parts and repairs is always less for cheaper models, so insurance companies don’t have to pay out as large of a claim. So the less your Land Rover costs to buy, the less the Land Rover insurance cost will be.
Two other factors that will impact your auto insurance rates, besides the cost of your Land Rover, are your age and driving record.
Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
---|---|---|---|---|---|---|
2023 Land Rover Range Rover Evoque | $334 | $356 | $164 | $157 | $143 | $140 |
2023 Land Rover Discovery Sport | $343 | $365 | $168 | $161 | $147 | $144 |
2023 Land Rover Range Rover Sport | $387 | $412 | $190 | $182 | $166 | $162 |
2023 Land Rover Range Rover | $405 | $431 | $198 | $190 | $173 | $170 |
If you are a younger driver, driving safely to keep a clean driving record is important. This will help lower your rates as you age. You can also see if your auto insurance company offers any discounts for young drivers, such as a good student discount.
Ways to Save on Land Rover Auto Insurance
You can do a few things to reduce your Land Rover insurance rates. First, you should check if your insurance company has any additional auto insurance discounts you can qualify for. There may be a safe driving program you can participate in for a discount or a good student discount you didn’t know about. A big discount to look for is a bundling discount, where you buy more than one type of insurance from the company, such as renters and auto insurance.
Besides discounts, you can also increase your auto insurance deductible to lower your Land Rover rates. The only thing we caution with this is to make sure you don’t raise it too high. You want your deductible to be an amount you could comfortably pay out-of-pocket after an accident.
Finally, our last tip is to make sure you shop around and compare rates from different companies. Otherwise, you can’t be sure you are getting the best deal on your Land Rover insurance, especially if you’ve recently had changes to your policy, like moving to a new address.
Find the Most Affordable Land Rover Auto Insurance Today
While Land Rovers can be more expensive to insure because they are luxury cars, this doesn’t mean you can’t find ways to save. Most drivers can reduce their auto insurance rates through discounts and quotes. They can also raise their insurance deductible to reduce their rates.
If you want to shop around for affordable Land Rover insurance rates, check out our free quote comparison tool. It makes finding a cheap rate easy, as it compares rates from companies in your area for you.
Frequently Asked Questions
Are Land Rovers expensive to insure?
Yes, Land Rovers can be more expensive to insure because they are luxury vehicles. The higher your Land Rover’s retail price, the more it will cost to insure.
Is Range Rover insurance high?
The average Range Rover insurance cost for a full coverage policy is $190 per month or $2,280 per year. Your rates may be higher or lower depending on factors like your driving record.
How much is an oil change for a Range Rover?
An oil change can range anywhere from $100 to $300, depending on what shop you choose or if there are any discounts.
Can modifications to a Land Rover affect insurance premiums?
Yes, modifications to a Land Rover can affect insurance premiums. Any alterations made to the vehicle’s engine, body, or suspension may increase its value or performance, which can lead to higher insurance costs. It’s crucial to inform your insurance provider about any modifications to ensure you have appropriate coverage.
Are there any insurance discounts specifically available for Land Rover owners?
Some insurance companies offer specific discounts for Land Rover owners. These may include loyalty discounts, affinity discounts, or specialized discounts for safety features unique to Land Rover vehicles. It’s recommended to inquire about such discounts when obtaining insurance quotes.
Compare over 200 auto insurance companies at once!
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.