Land Rover Defender Car Insurance Cost 2025
Getting insurance for a Land Rover Defender costs an average of $5,400 per year. However, the exact amount you’ll pay depends on several factors, including your age, the model year of your vehicle, and other personal details. You can refer to our quote tables below to get a more accurate estimate based on your specific profile.
We’ve saved shoppers an average of $600 per year on their car insurance.
Insuring a Lamborghini Urus comes with a high price tag, much like the vehicle itself. As a luxury SUV with powerful performance and premium features, the average cost to insure a 2025 Urus typically ranges from $5,400 to $8,000 per year.
These elevated premiums reflect the vehicle’s high market value, costly parts, and greater risk profile in the eyes of insurers. Factors such as your driving record, location, age, and chosen coverage level can significantly influence the final price.
Because rates vary widely, comparing quotes from multiple providers is essential to finding the best deal tailored to your situation.
How Much Does Land Rover Defender Car Insurance Cost?
Typically, Land Rover Defender drivers can secure car insurance at an average annual cost of $5,400.
The cost of car insurance for a Land Rover Defender can vary significantly based on several factors, including location, driving history, car model year, and selected coverage options. Maintaining a clean driving record can help lower premiums, while accidents or traffic violations may lead to higher costs. Urban areas with heavy traffic generally have higher insurance rates compared to rural locations with less congestion. Additionally, opting for comprehensive insurance, which includes both comprehensive and collision coverage, tends to be more expensive than minimum liability coverage.
Compared to the average cost of all Land Rover models, insuring a Land Rover Defender is more affordable, and it also falls below the average cost for all cars. To find the best rates, Insuranceopedia allows you to compare quotes from multiple providers, ensuring you get the most competitive deal.
| Vehicle | Average Monthly Premium |
| Land Rover Defender | $141 |
| All Land Rovers | $195 |
| All Cars | $175 |
Average Insurance Cost Of Land Rover Defender Model Year
| Model Year | Average Premium |
| 2025 Land Rover Defender | $5,306 |
| 2024 Land Rover Defender | $6,365 |
| 2023 Land Rover Defender | $1,406 |
| 2022 Land Rover Defender | $2,974 |
| 2021 Land Rover Defender | $2,674 |
| 2020 Land Rover Defender | $1,934 |
2025 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2025 Land Rover Defender is $5,306. However, National General offers the cheapest rates, averaging $570 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,050 |
| Travelers | $1,100 |
| Unitrin | $1,040 |
| Dairyland Auto | $9,800 |
| National General | $570 |
| Texas Farm Bureau Group | $780 |
| Kemper Auto | $1,450 |
| Farm Bureau Ins of MI | $1,590 |
| Liberty Mutual | $1,500 |
| Esurance |
$1,710 |
2024 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2024 Land Rover Defender is $6,365. However, Unitrin offers the cheapest rates, averaging $2,730 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $2,730 |
| Nationwide | $2,836 |
| Travelers | $4,090 |
| Dairyland Auto | $15,804 |
2023 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2023 Land Rover Defender is $1,406. However, National General offers the cheapest rates, averaging $543 per year.
| Insurance Provider | Average Annual Cost |
| National General | $543 |
| Texas Farm Bureau Group | $742 |
| Kemper Auto | Infinity | $1,222 |
| Farm Bureau Ins of MI | $1,385 |
| Unitrin | $1,374 |
| Liberty Mutual | $1,512 |
| Esurance | $1,629 |
| USAA | $1,857 |
| Bristol West | $1,911 |
| Nationwide | $1,883 |
2022 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2022 Land Rover Defender is $2,974. However, 21st Century offers the cheapest rates, averaging $2,235 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $2,235 |
| USAA | $2,289 |
| California Capital | $2,565 |
| Unitrin | $2,863 |
| National General | $3,084 |
| Mercury Insurance | $3,062 |
| Mercury | $3,129 |
| Liberty Mutual | $3,364 |
| Grange | $3,392 |
| Nationwide | $3,761 |
2021 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2021 Land Rover Defender is $2,674. However, State Farm offers the cheapest rates, averaging $1,447 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,447 |
| Unitrin | $1,568 |
| Erie | $2,049 |
| Nationwide | $2,215 |
| Texas Farm Bureau Group | $2,993 |
| Republic Indemnity | $3,062 |
| USAA | $3,162 |
| Esurance | $3,167 |
| Auto-Owners Insurance Co | $3,258 |
| American Independent Ins Co | $3,815 |
2020 Land Rover Defender Insurance Rates
The average annual insurance cost for a 2020 Land Rover Defender is $1,934. However, Safeco offers the cheapest rates, averaging $825 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $825 |
| Auto-Owners Insurance Co | $1,357 |
| Mercury | $1,542 |
| Georgia Farm Bureau | $1,984 |
| Unitrin | $2,119 |
| ACCC Insurance Company | $2,227 |
| USAA | $2,229 |
| Nationwide | $2,269 |
| Country | $2,286 |
| California Capital | $2,500 |
Find Affordable Land Rover Defender Insurance Rates
Are Land Rover Defenders Expensive To Insure?
Insuring a Land Rover Defender is generally more expensive than average, reflecting its luxury status and robust capabilities. Annual premiums typically range from approximately $1,500 to $3,270, influenced by factors such as the driver’s age, location, driving history, and chosen coverage levels . The Defender’s high repair costs and advanced features contribute to these elevated rates. However, its strong safety ratings and off-road prowess can offer some insurance advantages. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider bundling policies or maintaining a clean driving record
Cheapest Car Insurance Companies For A Land Rover Defender
The table above presents five of the most affordable car insurance providers for the 2025 Land Rover Defender, with premiums adjusted slightly for illustrative purposes. Erie Insurance offers one of the lowest annual premiums at around $6,800, which comes out to roughly $567 per month. State Farm is close behind with an estimated yearly cost of $6,600, or $550 per month. Farmers Insurance, Esurance, and Allstate fall within a similar range, offering coverage between $6,700 and $7,000 per year. These rates reflect the high cost of insuring a luxury performance SUV, which can vary based on location, driving history, and coverage preferences.
| Insurance Company | Average Monthly |
| Erie Insurance | $567 |
| Allstate | $583 |
| State Farm | $550 |
| Farmers Insurance | $575 |
| Esurance | $558 |
Common Land Rover Defender Insurance Discounts
Discounts are an effective way to lower your car insurance costs. Many providers offer common discounts, such as:
- Multi-policy discount – Bundling home and auto insurance with the same provider can reduce your premium.
- Pay annually discount – Paying your premium in full rather than in monthly installments may qualify you for a discount.
- Defensive driving discount – Completing a certified defensive driving course can make you eligible for lower rates.
Other discounts may also be available depending on your provider. It’s best to consult your insurance agent to explore all the savings opportunities you may qualify for.
Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car insurance with liability limits of $100,000 for property damage and $100,000 for bodily injury, along with a $1,000 deductible. However, these figures are general estimates, and your actual insurance costs may vary based on personal factors.
Quotes Analyzed
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FAQs
Who has the cheapest car insurance for a Land Rover Defender?
Absolutely, you’ll need to show proof of insurance before you’re allowed to drive your Land Rover Defender off the lot. It’s a good idea to purchase a policy in advance and inform your insurer that you’re finalizing the car purchase, rather than relying on the dealership to arrange coverage for you.
Which company offers the best car insurance for a Land Rover Defender?
To get the lowest rates for your Land Rover Defender, it’s smart to compare quotes from several car insurance companies. Luckily, Insuranceopedia makes this easy by letting you review offers from multiple providers directly on their website.
