2021 Land Rover Defender Car Insurance Calculator

Learn in real-time how changes to driver risk factors and vehicle options impact the cost of car insurance for a 2021 Land Rover Defender. Customize rate factors like your marital status, location, homeowner status, and credit rating. Instantly know how much your choice changes rates and why.

The average estimated car insurance premium for a 2021 Land Rover Defender is $2,234 per year, or about $186 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

$2,234

Cost Per Month

$186

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 2021 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.

$2,234
Average Rate
Your Rate
$2,234

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.

The 'Average Rate' is a combined value for all 2021 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 2021 Land Rover Defender is $2,234.

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.

2021 Land Rover Defender Segment Comparison

The table below compares insurance rates for the 2021 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.

2021 Land Rover Defender Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,784-$450
2Cadillac XT4$1,844-$390
3Volvo XC40$1,888-$346
4Lincoln Corsair$2,080-$154
5Lexus UX 250h$2,098-$136
6Volvo XC60$2,120-$114
7Mercedes-Benz GLB 250$2,140-$94
8BMW X1$2,156-$78
9Lexus UX 200$2,158-$76
10Lexus NX 300$2,166-$68
11Mercedes-Benz GLC300$2,172-$62
12Land Rover Defender$2,234--
13Mercedes-Benz GLA250$2,248$14
14Land Rover Evoque$2,254$20
2021 Small Luxury SUV Average$2,262$28
15BMW X2$2,292$58
16Audi Q3$2,346$112
17Audi Q5$2,362$128
18BMW X3$2,422$188
19Lexus NX 300H$2,434$200
20Mercedes-Benz GLA45 AMG$2,462$228
21Alfa Romeo Stelvio$2,486$252
22BMW X4$2,520$286
23Jaguar F-Pace$2,552$318
24Jaguar I-Pace$2,632$398
25Porsche Macan$2,688$454

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.

2021 Defender Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Land Rover Defender Insurance Rates by Trim Level
2021 Land Rover Defender Trim Level Annual Premium Cost Per Month
110 Standard$2,156$180
110 SE$2,174$181
110 S$2,202$184
110 First Edition$2,240$187
110 HSE$2,240$187
90 First Edition$2,284$190
110 X$2,348$196

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 2021 Land Rover Defender for different driver ages.

2021 Land Rover Defender Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,934$661
17$7,710$643
18$6,955$580
19$6,312$526
20$4,844$404
21$4,619$385
22$4,141$345
23$3,380$282
24$3,205$267
25$2,598$217
30$2,386$199
35$2,292$191
40$2,234$186
45$2,086$174
50$1,974$165
55$1,844$154
60$1,850$154
65$1,974$165
70$2,120$177
75$2,488$207
80$3,068$256

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.