2023 Land Rover Defender Car Insurance Calculator

Discover how changes to driver risk factors and vehicle options affect car insurance rates for a 2023 Land Rover Defender. Experiment with rate factors like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover if the change results in higher or lower rates.

The average estimated car insurance premium for a 2023 Land Rover Defender is $2,644 per year, or about $220 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

$2,644

Cost Per Month

$220

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 2023 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.

$2,644
Average Rate
Your Rate
$2,644

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 2023 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 2023 Land Rover Defender is $2,644.

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.

2023 Land Rover Defender Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Land Rover Defender Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura RDX$1,904-$740
2Cadillac XT4$2,056-$588
3Volvo XC40$2,100-$544
4Lexus UX 250h$2,132-$512
5Mercedes-Benz GLA250$2,212-$432
6Mercedes-Benz GLB 250$2,234-$410
7Lexus NX 250$2,248-$396
8Lexus NX 350h$2,276-$368
9Lexus NX 350$2,290-$354
10Lincoln Corsair$2,292-$352
11Lexus NX 450h$2,302-$342
12BMW X1$2,310-$334
13Alfa Romeo Tonale$2,320-$324
14Mercedes-Benz GLC300$2,324-$320
15Lexus RZ 450e$2,330-$314
16Volvo XC60$2,336-$308
17Audi Q3$2,348-$296
18Land Rover Evoque$2,364-$280
19Volvo C40$2,386-$258
20BMW X2$2,428-$216
21Infiniti QX55$2,462-$182
2023 Small Luxury SUV Average$2,468-$176
22Mercedes-Benz GLA35 AMG$2,472-$172
23Genesis GV70$2,514-$130
24Mercedes-Benz EQB 300$2,526-$118
25Genesis GV60$2,534-$110
26Mercedes-Benz GLA45 AMG$2,542-$102
27Alfa Romeo Stelvio$2,556-$88
28Audi Q5$2,574-$70
29Land Rover Range Rover Velar$2,582-$62
30Mercedes-Benz EQB 350$2,590-$54
31BMW X4$2,632-$12
32Land Rover Defender$2,644--
33Jaguar F-Pace$2,656$12
34Audi Q4$2,668$24
35Porsche Macan$2,678$34
36BMW X3$2,684$40
37Jaguar I-Pace$2,840$196
38Aston Martin DBX$4,436$1,792

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.

2023 Defender Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Land Rover Defender Insurance Rates by Trim Level
2023 Land Rover Defender Trim Level Annual Premium Cost Per Month
110$2,282$190
90 S$2,318$193
110 S$2,378$198
90 SE$2,504$209
130 S$2,530$211
90 X-Dynamic SE$2,544$212
110 SE$2,546$212
110 X-Dynamic SE$2,586$216
130 SE$2,646$221
130 X-Dynamic SE$2,680$223
130 First Edition$2,706$226
90 X$2,738$228
110 X$2,760$230
130 X$2,820$235
90 V8$2,866$239
110 V8$2,880$240
90 V8 Carpathian Edition$2,898$242
110 V8 Carpathian Edition$2,914$243

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 2023 Land Rover Defender for different driver ages.

2023 Land Rover Defender Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,273$773
17$9,045$754
18$8,225$685
19$7,441$620
20$5,727$477
21$5,465$455
22$4,912$409
23$3,991$333
24$3,790$316
25$3,076$256
30$2,830$236
35$2,712$226
40$2,644$220
45$2,464$205
50$2,328$194
55$2,176$181
60$2,182$182
65$2,330$194
70$2,490$208
75$2,904$242
80$3,574$298

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.