Land Rover Defender Car Insurance Calculator

Discover how changes to different risk factors affect the cost of insurance for a Land Rover Defender. Make changes to factors like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly how much your choice changes rates and why.

The average estimated car insurance premium for a 2024 Land Rover Defender is $3,042 per year, or about $254 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$3,042

Cost Per Month

$254

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Land Rover Defender Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Land Rover Defender.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$3,042
Average Rate
Your Rate
$3,042

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Land Rover Defender.

The 'Average Rate' is a combined value for all Land Rover Defender trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Land Rover Defender is $3,042.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Land Rover Defender Segment Comparison

The table below compares insurance rates for the 2024 Land Rover Defender against all other models in the small luxury SUV segment. The Land Rover Defender is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Land Rover Defender, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Land Rover Defender.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Land Rover Defender Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$1,084
2Lexus NX 250$2,072-$970
3Cadillac XT4$2,114-$928
4Lexus NX 350h$2,210-$832
5Lincoln Corsair$2,236-$806
6Mercedes-Benz GLB 250$2,240-$802
7Lexus UX 250h$2,246-$796
8Lexus NX 450h$2,258-$784
9Mercedes-Benz GLA250$2,282-$760
10Mercedes-Benz GLA35 AMG$2,290-$752
11Land Rover Evoque$2,336-$706
12Lexus NX 350$2,348-$694
13Volvo XC40$2,356-$686
14Volvo XC60$2,370-$672
15Alfa Romeo Tonale$2,376-$666
16Mercedes-Benz GLA45 AMG$2,388-$654
17BMW X1$2,420-$622
18Infiniti QX55$2,424-$618
19Volvo C40$2,442-$600
20BMW X2$2,452-$590
21Lexus RZ 450e$2,478-$564
22Mercedes-Benz EQB 300$2,492-$550
23Mercedes-Benz GLC300$2,512-$530
2024 Small Luxury SUV Average$2,541-$501
24Mercedes-Benz EQB 350$2,552-$490
25Genesis GV70$2,582-$460
26Audi Q3$2,596-$446
27Audi Q5$2,606-$436
28Alfa Romeo Stelvio$2,630-$412
29Land Rover Range Rover Velar$2,660-$382
30BMW X4$2,712-$330
31Audi Q4$2,736-$306
32BMW X3$2,764-$278
33Genesis GV60$2,848-$194
34Porsche Macan$2,894-$148
35Jaguar I-Pace$2,926-$116
36Land Rover Defender$3,042--
37Jaguar F-Pace$3,130$88
38Aston Martin DBX$4,562$1,520

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Defender Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Land Rover Defender.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Land Rover Defender Insurance Rates by Trim Level
2024 Land Rover Defender Trim Level Annual Premium Cost Per Month
90 S$2,372$198
90 X-Dynamic SE$2,586$216
130 X-Dynamic SE$2,828$236
130 Outbound$2,864$239
90 V8$2,950$246
110 S$2,970$248
90 Carpathian Edition$2,984$249
130 X$2,990$249
130 V8$3,088$257
130 S$3,112$259
110 X-Dynamic SE$3,152$263
110 X$3,356$280
110 SE$3,372$281
110 V8$3,498$292
110 Carpathian Edition$3,540$295

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Land Rover Defender for different driver ages.

2024 Land Rover Defender Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,735$895
17$10,441$870
18$9,437$786
19$8,561$713
20$6,578$548
21$6,278$523
22$5,635$470
23$4,598$383
24$4,359$363
25$3,540$295
30$3,252$271
35$3,122$260
40$3,042$254
45$2,838$237
50$2,684$224
55$2,504$209
60$2,512$209
65$2,680$223
70$2,882$240
75$3,372$281
80$4,148$346

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Land Rover Defender trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Land Rover Defender.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Land Rover Defender Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Land Rover Defender$3,042$254
2023 Land Rover Defender$2,644$220
2022 Land Rover Defender$2,522$210
2021 Land Rover Defender$2,234$186

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Land Rover Defender trim levels for each model year.