Insuring a Land Rover costs about $1,675 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the LR3 (~$1,090/yr), the priciest the Range Rover (~$2,341/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 11 Land Rovers that baseline spans $1,090 to $2,341 a year.
Land Rover insurance cost by model
Estimated annual premium for every Land Rover model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 11 of them, from the LR3 up to the Range Rover.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| LR3 | $1,090/yr | 76% of avg | Cheap |
| LR4 | $1,301/yr | 91% of avg | Cheap |
| Discovery Sport | $1,426/yr | 99% of avg | Average |
| Discovery | $1,450/yr | 101% of avg | Average |
| Range Rover Evoque | $1,537/yr | 107% of avg | Average |
| Defender | $1,675/yr | 117% of avg | Pricey |
| Range Rover Sport | $1,754/yr | 122% of avg | Pricey |
| LR2 | $1,802/yr | 125% of avg | Pricey |
| Range Rover Velar | $1,923/yr | 134% of avg | Pricey |
| EV | $2,114/yr | 147% of avg | Pricey |
| Range Rover | $2,341/yr | 163% of avg | Pricey |
Cheapest Land Rovers to insure
The Land Rover models that cost the least to insure at the US average.
Most expensive Land Rovers to insure
The priciest Land Rovers to insure — usually the most powerful and costly to repair.
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Land Rover insurance cost by state — all 50
Where you live moves a Land Rover premium as much as which model you pick. A typical Land Rover (index 117) runs about $2,322/yr in Florida but only $1,079/yr in Maine — a swing of over $1,244 on the same car.
Estimated annual premium for a typical Land Rover in every state, priciest first.
| State | Typical Land Rover / yr | vs US average |
|---|---|---|
| Florida | $2,322/yr | +39% vs US |
| Louisiana | $2,306/yr | +38% vs US |
| New York | $2,209/yr | +32% vs US |
| District of Columbia | $2,118/yr | +26% vs US |
| Georgia | $2,034/yr | +21% vs US |
| Texas | $2,012/yr | +20% vs US |
| Rhode Island | $1,992/yr | +19% vs US |
| New Jersey | $1,972/yr | +18% vs US |
| Colorado | $1,928/yr | +15% vs US |
| Maryland | $1,867/yr | +11% vs US |
| Nevada | $1,864/yr | +11% vs US |
| Michigan | $1,831/yr | +9% vs US |
| Delaware | $1,828/yr | +9% vs US |
| South Carolina | $1,767/yr | +5% vs US |
| Connecticut | $1,757/yr | +5% vs US |
| Arizona | $1,752/yr | +5% vs US |
| California | $1,650/yr | -1% vs US |
| Massachusetts | $1,647/yr | -2% vs US |
| Mississippi | $1,625/yr | -3% vs US |
| Oklahoma | $1,543/yr | -8% vs US |
| Missouri | $1,541/yr | -8% vs US |
| New Mexico | $1,516/yr | -9% vs US |
| Arkansas | $1,511/yr | -10% vs US |
| Utah | $1,497/yr | -11% vs US |
| Pennsylvania | $1,484/yr | -11% vs US |
| Alabama | $1,478/yr | -12% vs US |
| Oregon | $1,478/yr | -12% vs US |
| Alaska | $1,471/yr | -12% vs US |
| Illinois | $1,464/yr | -13% vs US |
| Virginia | $1,442/yr | -14% vs US |
| Washington | $1,438/yr | -14% vs US |
| West Virginia | $1,430/yr | -15% vs US |
| Minnesota | $1,425/yr | -15% vs US |
| Tennessee | $1,412/yr | -16% vs US |
| Kentucky | $1,408/yr | -16% vs US |
| Nebraska | $1,379/yr | -18% vs US |
| Montana | $1,379/yr | -18% vs US |
| Kansas | $1,377/yr | -18% vs US |
| Wyoming | $1,375/yr | -18% vs US |
| South Dakota | $1,349/yr | -19% vs US |
| North Carolina | $1,277/yr | -24% vs US |
| Ohio | $1,209/yr | -28% vs US |
| New Hampshire | $1,202/yr | -28% vs US |
| Indiana | $1,202/yr | -28% vs US |
| Iowa | $1,176/yr | -30% vs US |
| Wisconsin | $1,165/yr | -30% vs US |
| Hawaii | $1,163/yr | -31% vs US |
| Idaho | $1,143/yr | -32% vs US |
| North Dakota | $1,120/yr | -33% vs US |
| Vermont | $1,116/yr | -33% vs US |
| Maine | $1,079/yr | -36% vs US |
Estimate a specific Land Rover model in your state →
Land Rover insurance cost by year
A typical Land Rover costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Land Rover premium by year (US average):
| Year | Typical Land Rover / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Land Rover figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Land Rover insurance — frequently asked
Is Land Rover expensive to insure?
Land Rover is above average — pricier than most brands to insure — a typical model runs about $1,675/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $1,090 to $2,341.
What is the cheapest Land Rover to insure?
The LR3 is the cheapest Land Rover to insure in our data — around $1,090/yr at the national average, about 24% below a typical car.
What is the most expensive Land Rover to insure?
The Range Rover is the priciest Land Rover to insure — roughly $2,341/yr, about 63% above the average car.
How much is insurance on a Land Rover per month?
A typical Land Rover costs about $140/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Land Rover runs about $91/month, the priciest $195.
How is this Land Rover estimate calculated?
We combine each Land Rover model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.