About $1,090 a year for full coverage on a national average — 24% less than the $1,438 average car. Insurers rate the Land Rover LR3 at an index of 76 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2007-2009).
The premium isn't spread evenly across the Land Rover LR3: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 98, while Personal injury (PIP) sits at 51. Those 47 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2006 LR3 sells for a median $2,850, so a year of cover costs 38.2% of the car's value. Over 4 generations of data the index has climbed from 66 (2004-2006) to 76 (2007-2009). Calculated from 4 insurance-loss records and live US listing prices.
Why a LR3 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,090: Liability (BI + PD) $523 · Collision $305 · Comprehensive $131 · Other (UM / PIP) $131.
How it changed by generation
Insurance-loss index of the LR3 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The LR3 has become more expensive to insure over time (+10 points).
What a LR3 costs by state
Where you park matters as much as what you drive. The LR3's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | LR3 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Land Rover LR3's loss index of 76 — your own quote also depends on age, record, deductible and ZIP.
Land Rover LR3 insurance — frequently asked
How much is insurance for a Land Rover LR3?
About $1,090 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 76 applied to the US average premium.
Why is the LR3 expensive or cheap to insure?
For the Land Rover LR3 the costliest area is Comprehensive at an index of 98, covering theft, weather, vandalism, animals — against 51 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Land Rover LR3 lands at 76, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 38.2% of what a 2006 LR3 sells for — $1,090 against a median price of $2,850. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 38.2% the LR3 sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same LR3 can differ by hundreds between two drivers.
How we work this out
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