Land Rover Defender Car Insurance Cost 2025
Getting insurance for a Land Rover Defender costs an average of $1,110 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.
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If you’re considering buying a Land Rover Defender, one important factor to consider is the cost of insurance. Insurance is a significant part of car ownership, and it’s essential to understand the financial commitment before making your decision. On average, insurance for a Land Rover Defender cost $1,110 per year.
Choosing the right car insurance is key to avoiding unexpected and costly surprises later. It’s crucial to have enough coverage in case of an accident to avoid large out-of-pocket expenses. Additionally, if you’re at fault in an accident, your premiums could increase.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly impact your insurance premiums.
How Much Does Land Rover Defender Car Insurance Cost?
Typically, Land Rover Defender drivers can secure car insurance at an average annual cost of $1,110.
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 |
| 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 |
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
Is A Land Rover Defender Expensive To Insure?
The cost to insure a Land Rover Defender is lower than the overall average for all cars. However, the exact amount you’ll pay for car insurance depends on several factors, including your age, the vehicle’s model year, location, driving history, and coverage options.
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
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Who has the cheapest car insurance for a Land Rover Defender?
For the 2024 Land Rover Defender, Unitrin provides the most budget-friendly car insurance rates.
Which company offers the best car insurance for a Land Rover Defender?
We believe that Unitrin offers the best car insurance option for a Land Rover Defender because they offer a combination of low prices, comprehensive coverage, and excellent customer service ratings.
