2022 Land Rover Defender Car Insurance Calculator

Get real-time feedback how different driver, vehicle, and coverage options influence insurance rates for a 2022 Land Rover Defender. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover how much rates change and learn why.

The average estimated car insurance premium for a 2022 Land Rover Defender is $2,522 per year, or about $210 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

$2,522

Cost Per Month

$210

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 2022 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.

$2,522
Average Rate
Your Rate
$2,522

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 2022 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 2022 Land Rover Defender is $2,522.

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.

2022 Land Rover Defender Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Land Rover Defender Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,832-$690
2Cadillac XT4$1,878-$644
3Volvo XC40$2,058-$464
4Lexus NX 250$2,126-$396
5BMW X1$2,130-$392
6Mercedes-Benz GLB 250$2,142-$380
7Lexus UX 250h$2,146-$376
8Lexus NX 350h$2,160-$362
9Lexus NX 350$2,180-$342
10Lexus UX 200$2,184-$338
11Lexus NX 450h$2,238-$284
12Volvo C40$2,252-$270
13Land Rover Evoque$2,260-$262
14Lincoln Corsair$2,264-$258
15Mercedes-Benz GLC300$2,266-$256
16Mercedes-Benz GLA250$2,288-$234
17Audi Q3$2,292-$230
18Volvo XC60$2,300-$222
19BMW X2$2,372-$150
2022 Small Luxury SUV Average$2,397-$125
20Mercedes-Benz GLA35 AMG$2,408-$114
21Infiniti QX55$2,422-$100
22Genesis GV70$2,450-$72
23Audi Q5$2,480-$42
24Mercedes-Benz GLA45 AMG$2,494-$28
25Audi Q4$2,508-$14
26Land Rover Defender$2,522--
27Land Rover Range Rover Velar$2,532$10
28Alfa Romeo Stelvio$2,584$62
29BMW X3$2,620$98
30Porsche Macan$2,712$190
31Jaguar I-Pace$2,768$246
32Jaguar F-Pace$2,840$318
33BMW X4$2,920$398
34Aston Martin DBX$3,884$1,362

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.

2022 Defender Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Land Rover Defender Insurance Rates by Trim Level
2022 Land Rover Defender Trim Level Annual Premium Cost Per Month
110$2,202$184
90 S$2,216$185
110 S$2,274$190
90 SE$2,404$200
90 X-Dynamic SE$2,444$204
110 SE$2,444$204
110 X-Dynamic SE$2,478$207
90 X$2,622$219
110 X$2,642$220
90 V8$2,742$229
110 V8$2,756$230
90 V8 Carpathian Edition$2,774$231
110 V8 Carpathian Edition$2,788$232

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 2022 Land Rover Defender for different driver ages.

2022 Land Rover Defender Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,847$737
17$8,621$718
18$7,824$652
19$7,085$590
20$5,453$454
21$5,204$434
22$4,679$390
23$3,807$317
24$3,613$301
25$2,936$245
30$2,700$225
35$2,588$216
40$2,522$210
45$2,352$196
50$2,224$185
55$2,078$173
60$2,082$174
65$2,222$185
70$2,378$198
75$2,776$231
80$3,412$284

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.