- Land Rover Defender insurance costs an average of $3,114 per year or $1,557 for a semi-annual policy, depending on policy limits.
- The Defender 90 S trim level is the cheapest to insure at around $2,430 per year. The most expensive trim is the 110 Carpathian Edition at $3,624 per year.
- The Land Rover Defender is one of the more expensive small luxury SUVs to insure for 2024, costing $511 more per year on average when compared to other small luxury SUVs.
How much does Land Rover Defender insurance cost?
Land Rover Defender insurance costs $3,114 per year on average, which is about $260 each month. Comprehensive (or other-than-collision) coverage costs an average of $790 a year, liability/medical is $810, and the remaining collision insurance costs around $1,514.
The cost summary chart below shows how 2024 Land Rover Defender car insurance rates adjust based on driver age group and the policy deductibles chosen.
The next table shows average annual and semi-annual policy costs, in addition to a monthly budget estimate, for each Land Rover Defender package and trim level.
| 2024 Land Rover Defender Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 90 S | $2,430 | $203 |
| 90 X-Dynamic SE | $2,648 | $221 |
| 130 X-Dynamic SE | $2,900 | $242 |
| 130 Outbound | $2,936 | $245 |
| 90 V8 | $3,022 | $252 |
| 110 S | $3,040 | $253 |
| 90 Carpathian Edition | $3,058 | $255 |
| 130 X | $3,064 | $255 |
| 130 V8 | $3,166 | $264 |
| 130 S | $3,184 | $265 |
| 110 X-Dynamic SE | $3,228 | $269 |
| 110 X | $3,438 | $287 |
| 110 SE | $3,452 | $288 |
| 110 V8 | $3,580 | $298 |
| 110 Carpathian Edition | $3,624 | $302 |
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. Updated October 24, 2025
Defender vs. other luxury SUVs: How does it rank?
The Land Rover Defender ranks 36th out of 38 comparison vehicles in the small luxury SUV class for most affordable car insurance prices. The Defender costs an average of $3,114 per year for full coverage insurance, while the category average cost is $2,603 per year, a difference of $511 per year.
When insurance prices are compared to some other models in the small luxury SUV category, car insurance rates for a Land Rover Defender cost $542 more per year than the Mercedes-Benz GLC300, $284 more than the BMW X3, $684 more than the Volvo XC60, and $444 more than the Audi Q5.
The table displayed below shows how average Defender car insurance cost compares to the most popular small luxury SUVs like the Acura RDX, Audi Q5, and the Volvo XC60.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $2,006 | -$1,108 |
| 2 | Lexus NX 250 | $2,124 | -$990 |
| 3 | Cadillac XT4 | $2,166 | -$948 |
| 4 | Lexus NX 350h | $2,264 | -$850 |
| 5 | Lincoln Corsair | $2,292 | -$822 |
| 6 | Mercedes-Benz GLB 250 | $2,296 | -$818 |
| 7 | Lexus UX 250h | $2,300 | -$814 |
| 8 | Lexus NX 450h | $2,314 | -$800 |
| 9 | Mercedes-Benz GLA250 | $2,340 | -$774 |
| 10 | Mercedes-Benz GLA35 AMG | $2,348 | -$766 |
| 11 | Land Rover Evoque | $2,396 | -$718 |
| 12 | Lexus NX 350 | $2,406 | -$708 |
| 13 | Volvo XC40 | $2,416 | -$698 |
| 14 | Volvo XC60 | $2,430 | -$684 |
| 15 | Alfa Romeo Tonale | $2,434 | -$680 |
| 16 | Mercedes-Benz GLA45 AMG | $2,446 | -$668 |
| 17 | BMW X1 | $2,476 | -$638 |
| 18 | Infiniti QX55 | $2,482 | -$632 |
| 19 | Volvo C40 | $2,502 | -$612 |
| 20 | BMW X2 | $2,510 | -$604 |
| 21 | Lexus RZ 450e | $2,542 | -$572 |
| 22 | Mercedes-Benz EQB 300 | $2,554 | -$560 |
| 23 | Mercedes-Benz GLC300 | $2,572 | -$542 |
| 24 | Mercedes-Benz EQB 350 | $2,614 | -$500 |
| 25 | Genesis GV70 | $2,642 | -$472 |
| 26 | Audi Q3 | $2,660 | -$454 |
| 27 | Audi Q5 | $2,670 | -$444 |
| 28 | Alfa Romeo Stelvio | $2,694 | -$420 |
| 29 | Land Rover Range Rover Velar | $2,726 | -$388 |
| 30 | BMW X4 | $2,780 | -$334 |
| 31 | Audi Q4 | $2,800 | -$314 |
| 32 | BMW X3 | $2,830 | -$284 |
| 33 | Genesis GV60 | $2,918 | -$196 |
| 34 | Porsche Macan | $2,962 | -$152 |
| 35 | Jaguar I-Pace | $3,000 | -$114 |
| 36 | Land Rover Defender | $3,114 | -- |
| 37 | Jaguar F-Pace | $3,206 | $92 |
| 38 | Aston Martin DBX | $4,672 | $1,558 |
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 vehicle from the 2024 model year. Updated October 24, 2025
Supplementary rates and insights
Some other relevant data insights about insuring a Land Rover Defender include:
- Policy discounts save money. To get cheap Land Rover Defender insurance, policy discounts help immensely. Discounts may be available if the policyholders are senior citizens, drive low annual mileage, are claim-free, are good students, insure multiple vehicles on the same policy, or many other discounts which could save the average driver as much as $532 per year.
- The gender of the driver affects insurance cost. For a 2024 Land Rover Defender, a 20-year-old man will have an average rate of $6,276 per year, while a 20-year-old woman pays an average of $4,494, a difference of $1,782 per year in the women’s favor by a large margin. But by age 50, the rate for males is $2,750 and the rate for women is $2,686, a difference of only $64.
- The cost to insure teenage drivers is high. Average rates for full coverage Defender insurance costs $10,998 per year for a 16-year-old driver, $10,696 per year for a 17-year-old driver, $9,665 per year for an 18-year-old driver, and $8,773 per year for a 19-year-old driver.
- Driving citations can increase policy cost. To pay the most reasonable price on Defender insurance rates, it can pay off to be a safe driver. A few speeding tickets have the potential to increase insurance policy cost by as much as $826 per year. Major infractions like a DWI could raise rates by an additional $2,892 or more.
- Defender insurance is expensive for high-risk drivers. For a 20-year-old driver, having enough accidents and violations to require a high-risk insurance policy can cause a rate increase of $4,902 or more per year.
- Your occupation could save you a few bucks. The large majority of insurance companies offer discounts for certain occupations like accountants, scientists, architects, emergency medical technicians, engineers, and others. Qualifying for this discount may save between $93 and $233 on your yearly car insurance bill.