Best Land Rover Car Insurance Rates in 2024 (We Suggest These 10 Providers)

Liberty Mutual, Farmers, and Travelers have the best Land Rover car insurance rates.

As one of the most iconic British brands, Land Rover is a popular choice for drivers looking to mix luxury with off-road capabilities. Luxury car insurance always costs more than standard coverage, but Land Rover drivers typically see slightly more affordable rates.

Our Top 10 Company Picks: Best Land Rover Car Insurance Rates

The primary reason Land Rover car insurance rates are cheaper is that most models usually have high safety ratings. On the other end of the scale, luxury car insurance costs more because the vehicles cost more to repair and replace. With some models costing over $100,000, Land Rovers are expensive to repair or replace.

Read on to learn more about Land Rover car insurance, including how to find the cheapest rates. Then, use our free tool to compare Land Rover car insurance quotes from multiple companies to find the best policy for your vehicle.

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#1 – Liberty Mutual: Top Pick Overall

Pros

• Customizable Policies: Customize your Land Rover car insurance policy with add-on coverages and adjustable deductibles. Learn more in our Liberty Mutual review.
• Accident Forgiveness: Land Rover drivers who haven’t filed a claim in years can qualify for accident forgiveness.
• Discount Options: Liberty Mutual offers plenty of discounts to Land Rover Owners.

Cons

• Claims Satisfaction: Reviews for claims satisfaction aren’t always positive.
• DUI Rates: Land Rover owners with DUIs will find rates less affordable.

#2 – Farmers: Best for Local Agents

Pros

• Local Agents: Land Rover owners can get help with their policies from local agents.
• Adjustable Deductibles: Drivers can adjust deductibles to lower their Land Rover car insurance rates.
• Discount Options: Land Rover owners can choose from several discounts.

Cons

• Customer Reviews: Not all customers are satisfied with the level of service they receive.
• DUI Rates: DUI drivers will have more expensive Land Rover rates. Read more about costs in our Farmers review.

#3 – Travelers: Best for Usage Discount

Pros

• Usage Discount: Drivers can participate in the IntelliDrive program to save up to 30% on their Land Rover auto insurance.
• Coverage Options: You can buy less common options like rideshare insurance for your Land Rover. For a full list, read our Travelers review.
• Multi-Policy Discount: Buy home or renters insurance along with your Land Rover car insurance for a discount.

Cons

• IntelliDrive Rate Increases: Bad drivers should skip the IntelliDrive program, which can increase rates.
• Customer Satisfaction: Land Rover owners should know that it’s not always rated highly.

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#4 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Land Rover claims-free drivers may qualify for accident forgiveness and other Nationwide car insurance discounts.
• Pay-Per-Mile Insurance: Great if you drive your Land Rover less than 10,000 miles per year.
• Simple Claims: Nationwide offers online claims filing.

Cons

• Telematics Tracking: Mileage-based insurance does track driving data.
• Availability: Land Rover drivers may not have auto insurance in their state.

#5 – State Farm: Best for Many Discounts

Pros

• Many Discounts: Taking advantage of the many State Farm discounts will help drivers get affordable Land Rover car insurance rates.
• Local Support: Local agents can help Land Rover owners with their policies. Learn more in our State Farm insurance review.
• Coverage Options: Add practical coverages like roadside assistance for your Land Rover.

Cons

• Online Tools: Local agents provide most services, so online functions may be more limited.
• Credit Score Rates: Land Rover owners may see rate increases if they have poor credit scores.

#6 – USAA: Best for Military Savings

Pros

• Military Savings: USAA has some of the cheapest Land Rover car insurance rates for service members and veterans.
• Customer Service: Land Rover owners will receive highly rated customer service. Read more in our USAA review.
• Discount Options: Get additional savings on your Land Rover policy with discounts.

Cons

• Physical Locations: Services are mostly virtual due to a lack of physical branches with agents.
• Eligibility: Non-military or non-veteran drivers with Land Rovers can’t buy USAA coverage.

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#7 – Progressive: Best for Online Convenience

Pros

• Online Convenience: Make changes to your Land Rover policy online or file a claim. Learn more in our Progressive review.
• Snapshot Program: Land Rover drivers could save up to 30% with the Snapshot discount.
• Budget Shopping: Land Rover owners on a budget can use Progressive’s Name Your Price tool.

Cons

• Snapshot Rate Increases: Land Rover drivers who are poor drivers may see increases in their rates.
• Customer Claim Reviews: Not all Progressive customers have left positive reviews after filing claims.

#8 – Allstate: Best for Add-On Coverages

Pros

• Add-On Coverages: Allstate offers several coverages that can be added to Land Rover policies.
• Pay-Per-Mile Insurance: Milewise insurance is great for low-mileage Land Rover drivers. Learn more about this insurance in our Allstate Milewise review.
• Adjustable Deductibles: Get cheaper Land Rover car insurance by raising your deductibles.

Cons

• Customer Complaints: Allstate isn’t as highly rated as its competition for customer service.
• DUI Rates: Rates are pricier for Land Rover owners with DUIs.

#9 – American Family: Best for Student Savings

Pros

• Student Savings: Young drivers can get a good student discount if they have higher than a 3.0 average.
• Coverage Options: Land Rover policies can be rounded out with coverages like roadside assistance.
• Accident Forgiveness: A great perk for claim-free Land Rover drivers. Learn what else the company offers in our American Family review.

Cons

• Availability: Land Rover drivers may not have American Family in their state.
• DUI Rates: American Family will be pricier for Land Rover drivers with more than one DUI.

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#10 – Geico: Best for Good Drivers

Pros

• Good Drivers: Geico offers very affordable rates for Land Rover drivers who have clean driving records.
• Affiliation Discounts: Geico has a discount for military or government employees.
• Coverage Options: There are plenty of add-ons for Land Rover policies. Learn more in our Geico review.

Cons

• Lack of Local Agents: Most support is offered over the phone or through virtual chats.
• DUI Rates: Geico will not be as cheap for high-risk drivers with a DUI.

Determine Your Land Rover Car Insurance Rates

The average Land Rover driver pays about $172 a month for car insurance, which is about $30 more than the national average. Compared with other luxury brands, Land Rover insurance is a bit more on the affordable side, especially if you shop at the the companies with the best Land Rover insurance rates.

Car Insurance Monthly Rates for Land Rover by Coverage Level & Provider

Several factors affect your Land Rover car insurance rates, which companies use to determine how much you’ll pay for coverage. The factors that affect car insurance rates include:

• Age and gender
• Credit score
• Location
• Driving record
• Your vehicle
• Marital status

The amount of coverage you want for your Land Rover also affects your rates.

Finally, the model you buy will affect your rates, with some models costing less than others. Check below to see how much you might pay for insurance based on the model you buy.

Land Rover Average Monthly Car insurance by Model and Coverage Type

As you can see, the Range Rover is the most expensive Land Rover model to insure with an average rate of nearly $200 a month. However, the model you buy isn’t the only factor companies look at when crafting your rates.

Compare Land Rover Car Insurance Rates by Model

Quickly compare car insurance rates for the Land Rover LR4 model. Start now to find the best rates for your Land Rover.

Choosing a cheaper Land Rover model will result in lower auto insurance rates.

Land Rover Car Insurance Policy Types

When you buy a Land Rover, you have two main options for a car insurance policy. The first option is minimum insurance, which is the least amount of coverage required in your state. Minimum insurance is an excellent option for older, less valuable cars since it’s your cheapest option for coverage. However, many Land Rover drivers want more coverage, even if their vehicle is older.

Your second option is full coverage. Full coverage costs more but offers much better protection for your Land Rover. When you buy a full coverage policy, you’ll get the following types of car insurance:

• Liability: Liability car insurance pays for damage and injuries you cause to other people and their cars. It never pays for damage to your own vehicle.
• Collision: If you want help with your car repairs, you need collision car insurance. Collision insurance also covers you if you hit an object, like a parked car.
• Comprehensive: Comprehensive car insurance covers life’s unexpected events, including fire, floods, extreme weather, animals, vandalism, and theft.
• Uninsured/Underinsured Motorist: Although most states require insurance, not everyone has it. Uninsured motorist coverage protects you from drivers without enough coverage.
• Personal Injury Protection/Medical Payments: Medical payments and personal injury protection insurance pay your health care expenses after an accident. It usually covers your passengers as well.

Since Land Rovers are expensive vehicles, most owners choose to add additional coverage to their policy even when their car is older. Popular add-ons for Land Rover owners include rental car reimbursement, gap insurance, and roadside assistance.

 

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While adding coverage to your policy means your car will be better protected, you should only buy what you need. Purchasing additional coverage can drastically increase your rates. If you’re unsure how much coverage you need, an insurance representative can help.

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Tips to Save on Your Land Rover Car Insurance

As a luxury brand, Land Rover car insurance is always higher than standard coverage. However, most models have insurance rates that are a little more affordable than similar luxury brands.

Despite the overall affordability of Land Rover car insurance, there are always ways to save more. One tip is to search for commonly offered car insurance discounts for Land Rover drivers, including bundling multiple policies, remaining claims-free, and having multiple cars on the same policy.

If you’re looking for the cheapest car insurance for your Land Rover, you should also try the following techniques:

• Raise Deductibles: Your deductible is the portion you pay before your insurance kicks in. You can save on your monthly rates by choosing a higher deductible, but you’ll have to pay more. Here’s how to find your car insurance deductible.
• Keep Records Clean: Car insurance companies check driving records, so drivers with traffic incidents like speeding tickets and at-fault accidents pay more for insurance. You can keep your rates low simply by avoiding citations.
• Enroll in Telematics: Usage-based car insurance programs track your driving habits, including speeding, hard braking, and mileage. If you regularly drive safely, a telematics program might be right for you.
• Keep Cars Safe: Most insurance companies offer lower rates if your Land Rover has safety features like anti-lock brakes, GPS tracking, and audible alarms. You can also keep rates low by parking in a safe location when you’re not using your car.

The tips listed above are great ways to find affordable Land Rover car insurance. However, the most important step to take is to compare car insurance quotes with as many companies as possible, starting with the best companies like Liberty Mutual.

If you don’t compare personalized quotes, you’ll likely overpay for your insurance.

Start Comparing the Best Land Rover Car Insurance Rates

Luxury car insurance is always more expensive than standard coverage, primarily because it costs more to repair or replace expensive vehicles. Despite being a luxury brand, Land Rovers generally come with lower car insurance rates. While rates are usually affordable, there are plenty of ways to find even more savings, such as with safety features car insurance discounts.

Finding lower car insurance rates for a Land Rover is a simple task if you find discounts, try telematics, and keep your driving record clean. However, the most important step to take is comparing quotes with as many companies as possible. Enter your ZIP into our free to find cheap Land Rover insurance quotes today.

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