Cost of Land Rover Car Insurance (2025)
Land Rovers cost an average of $175 per month for car insurance. But your rate will depend on the model you choose, among other factors.
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Land Rovers are popular for their blend of luxury vehicle status, off-road capability, and distinctive design. But they tend to be more expensive to insure than other SUVs, including some competing luxury models.
On average, drivers pay $122 per month for liability-only coverage and $229 for full coverage on a Land Rover. But some models are less expensive than others.
If you’re thinking about buying a Land Rover or you’re looking for car insurance, here’s what you need to know.
Quick Facts
A new Land Rover can cost anywhere from $50,000 to more than $100,000.[1]
GEICO, State Farm, and Allstate are some of the best insurance companies for Land Rover drivers.
The Land Rover Sport is the most affordable model to insure, on average.
Cost of Land Rover insurance by model
For 2025, Land Rover offers nine models, with the Range Rover having the highest starting MSRP of more than $100,000. Here, you can see how insurance rates fluctuate based on different Land Rover models.
Land Rover Model  | Average Monthly Quote |
|---|---|
| Range Rover | $185 |
| Range Rover Sport | $176 |
| Range Rover Velar | $203 |
| Range Rover Evoque | $178 |
| Land Rover Discovery | $178 |
| Land Rover Discovery Sport | $166 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest Land Rover insurance by model
Depending on the Land Rover model you own or are looking to buy, here are some of the cheapest insurance companies to consider.
The manufacturer’s suggested retail price (MSRP) for the Range Rover is $107,400, which is high, even compared to other luxury SUVs. But the Range Rover isn’t as expensive to insure as some other Land Rover models.
Even so, it’s important to shop around and compare insurers to ensure you get the cheapest rate possible. Here are some of the best full-coverage rates, according to Insurify data.
Insurance CompanyAverage Monthly QuoteUSAA $123 GEICO $146 State Farm $147 Allstate $164 Progressive $190 American Family $192 Nationwide $227 Travelers $239 Farmers $291 Liberty Mutual $311 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Range Rover Sport starts at $83,700, making it the second most expensive Land Rover model and more in line with other luxury SUVs. The Range Rover Sport is the second cheapest Land Rover model to insure, according to Insurify data.
Here’s a look at some of the cheapest companies to consider as you shop around.
Insurance CompanyAverage Monthly QuoteUSAA $117 GEICO $139 State Farm $140 Allstate $155 Progressive $180 American Family $181 Nationwide $215 Travelers $227 Farmers $276 Liberty Mutual $295 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
With an MSRP of $61,500, the Range Rover Velar is on par with or less expensive than similar luxury SUVs. But, surprisingly, it’s the most expensive Land Rover model to insure, making it more crucial to compare quotes.
Here’s where you can get the cheapest car insurance for the Velar, according to Insurify data.
Insurance CompanyAverage Monthly QuoteUSAA $135 GEICO $160 State Farm $161 Allstate $179 Progressive $208 American Family $210 Nationwide $248 Travelers $262 Farmers $318 Liberty Mutual $341 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A brand-new Range Rover Evoque starts at $49,900, making it the second most affordable Range Rover model and less expensive than even some high-end standard SUV prices. It’s also cheaper to insure than most Land Rover models.
Here, you can compare the cheapest insurers for the Evoque model.
Insurance CompanyAverage Monthly QuoteUSAA $119 GEICO $141 State Farm $142 Allstate $157 Progressive $183 American Family $184 Nationwide $218 Travelers $230 Farmers $280 Liberty Mutual $299 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Range Rover Discovery starts at $59,900, making it less expensive than other luxury SUVs but still pricier than standard SUV models. But the average insurance cost is on par with the Evoque.
As you research your insurance options, here are some of the cheapest rates you can find.
Insurance CompanyAverage Monthly QuoteUSAA $119 GEICO $141 State Farm $142 Allstate $158 Progressive $183 American Family $184 Nationwide $218 Travelers $230 Farmers $280 Liberty Mutual $300 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The cheapest Land Rover model, the Range Rover Discovery Sport, starts at $48,900. This puts it more in line with high-end standard SUVs from other automakers. It’s also understandably the least expensive Land Rover model to insure.
Even so, you’ll still want to check out the cheapest insurance companies to maximize your savings.
Insurance CompanyAverage Monthly QuoteUSAA $111 GEICO $131 State Farm $132 Allstate $147 Progressive $170 American Family $172 Nationwide $203 Travelers $214 Farmers $261 Liberty Mutual $279 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best companies for Land Rover car insurance
As you shop around for coverage, it’s important to look at more than just the rates. You’ll also want to consider customer satisfaction, the claims processes, coverage options, discounts, and other features that are important to you. And, because Land Rovers are generally higher-value vehicles, you’ll likely want to look for full-coverage car insurance rather than liability-only coverage.
Here are some of Insurify’s top choices for the best companies for Land Rover car insurance:
GEICO: Best for low rates
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $90/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
4.0
Best choiceBased on 13,427 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,905)
Deborah
Verified Review
Check around before you buy
Reviewed in Florida on December 2025
The rates are way too high for one person with a clean driving record and nothing on it.
Kiran
Verified Review
Reduce the Price
Reviewed in Maryland on December 2025
Too pricey for good drivers.
James
Verified Review
Why We Stay with GEICO
Reviewed in Florida on December 2025
We love GEICO. We have been with them forever. We check other carriers once or twice a year, and no one else can compare.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
State Farm: Best for claims satisfaction
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.1
Best choiceBased on 12,804 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Allstate: Best for discounts
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
3.9
A solid optionBased on 7,789 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,950)
Rodney
Verified Review
Safeco's Auto Insurance Experience
Reviewed in New Mexico on December 2025
Safeco is a great company for auto insurance, but I had a bad experience with their homeowners insurance. I had hail damage three years ago, and they did not pay anything. I was disappointed with their service.
William
Verified Review
Excellent
Reviewed in Ohio on December 2025
I would stay with them, but I can only afford so much when you are on a fixed budget. I'm on SSI.
Victoria
Verified Review
Allstate is a rip-off
Reviewed in New Jersey on December 2025
The rates go up every 6 months when the policy renews. The only way you can get any kind of break is by allowing them to track your every move while driving and do everything by computer. I guess they are trying to save trees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Ample opportunities for bundling discount
Offers a pay-per-mile option
A+ (Superior) financial strength rating from AM Best
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study
Average cost of Land Rover insurance by state
Where you live has a significant effect on your car insurance premium.[2] Repair costs, medical expenses, and weather trends can affect claim payouts as well. Each state also has different accident, theft, vandalism, litigation, and insurance fraud rates to consider.
Below, you’ll see the average monthly cost to insure a Land Rover for each state. Rate data isn’t available for Alaska and Hawaii.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $167 |
| Arizona | $204 |
| Arkansas | $300 |
| California | $282 |
| Colorado | $257 |
| Connecticut | $392 |
| Delaware | $288 |
| Florida | $269 |
| Georgia | $292 |
| Idaho | $147 |
| Illinois | $199 |
| Indiana | $169 |
| Iowa | $142 |
| Kansas | $193 |
| Kentucky | $254 |
| Louisiana | $260 |
| Maine | $176 |
| Maryland | $397 |
| Massachusetts | $209 |
| Michigan | $324 |
| Minnesota | $229 |
| Mississippi | $243 |
| Missouri | $226 |
| Montana | $194 |
| Nebraska | $205 |
| Nevada | $329 |
| New Hampshire | $132 |
| New Jersey | $209 |
| New Mexico | $186 |
| New York | $552 |
| North Carolina | $110 |
| North Dakota | $161 |
| Ohio | $151 |
| Oklahoma | $209 |
| Oregon | $188 |
| Pennsylvania | $203 |
| Rhode Island | $173 |
| South Carolina | $316 |
| South Dakota | $151 |
| Tennessee | $175 |
| Texas | $276 |
| Utah | $214 |
| Virginia | $225 |
| Vermont | $178 |
| Washington | $187 |
| Washington D.C. | $403 |
| Wisconsin | $155 |
| West Virginia | $183 |
| Wyoming | $139 |
How to get insurance through Land Rover
Land Rover partners with Liberty Mutual to offer special coverages for Land Rover drivers. You can get a quote through the manufacturer’s website. Some of the special perks of these policies include genuine Land Rover replacement parts and towing to your nearest Land Rover dealership for repairs.
In addition to standard coverage options, you can also get the following features:
Better car replacement: If you total your car, you’ll receive enough money to replace it with a model that’s one year newer.
New car replacement: With this add-on, you can replace a new car stolen or totaled in the first year with a brand-new model.
Accident forgiveness: Your premium won’t go up with your first accident as a Liberty Mutual policyholder.
Additionally, Liberty Mutual has high claims satisfaction compared to other insurance companies, according to J.D. Power.[3]
That said, the insurer has some of the most expensive rates for Land Rover models, according to Insurify data. It also has nearly twice as many complaints compared to the industry average, according to the National Association of Insurance Commissioners.[4] Be sure to research and compare several options to determine the best fit for you and your vehicle.
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How to ensure you have enough coverage on your Land Rover
Land Rovers can be a significant financial commitment, so it’s important to protect your investment with the right insurance. Here are some essential coverages to consider:
Collision coverage
If you financed or leased your vehicle, your lender or leasing company likely requires collision coverage, which provides funds for repairs if your car is damaged in an accident with a vehicle or object. Your coverage limit is based on the value of your car, but you can adjust your deductible based on your preference. A higher deductible can lower your insurance premiums, but make sure you can afford the out-of-pocket cost if you need to file a claim.
Comprehensive coverage
As with collision coverage, lenders may require you to maintain comprehensive insurance if you have a loan or lease. Comprehensive insurance covers damages to your vehicle due to theft, fire, vandalism, natural disasters, broken windshields, and more. You can adjust your deductible based on your budget.
Liability coverage
Liability insurance protects you if you cause bodily injuries or property damage with your car. Many experts recommend maintaining $100,000 in coverage for bodily injuries per person and $300,000 per accident, as well as $100,000 in property damage coverage. But you may choose more or less based on your budget and ability to pay for damages on your own.
Other required coverages
Depending on where you live, you may also need to purchase personal injury protection, medical payments coverage, or uninsured/underinsured motorist coverage. Check with your insurer or state insurance division to learn more about the required coverage amounts in your area.
Optional coverages
Some insurers offer other types of optional coverage, including rental car reimbursement, roadside assistance, accident forgiveness, and more. Before paying for these coverages, though, it’s important to compare the cost against the potential benefits. If you can afford to self-insure for these needs, it may be better to skip them.
Land Rover insurance FAQs
If you still have questions surrounding Land Rover insurance, the following answers can help.
It may depend on the model, but USAA and GEICO offer some of the cheapest rates for Land Rover drivers. Keep in mind that the lowest premium for you could come from another insurer. That’s why it’s important to compare rates from several insurers to find the best rates for your situation.
In general, Land Rovers are more expensive to insure than other vehicles, including similar luxury SUVs.
A Land Rover offers a luxury experience and off-road capability, but ownership costs can be high. Ultimately, it depends on your financial situation and what you need from your vehicle.
The cheapest model to insure is the Land Rover Discovery Sport, which is also the least expensive model from the carmaker.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Land Rover. "Explore Our Vehicles."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- J.D. Power. "Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds."
- NAIC. "Results by Complaint Index."
)
Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in