Are You Paying Too Much to Insure Your Land Rover Defender?

• Land Rover Defender insurance costs an average of $3,042 per year or $1,521 for a semi-annual policy, depending on policy limits.
• The Defender 90 S trim level is the cheapest to insure at around $2,372 per year. The most expensive trim is the 110 Carpathian Edition at $3,540 per year.
• The Land Rover Defender is one of the more expensive small luxury SUVs to insure for 2024, costing $501 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 $3,042 per year on average, which is about $254 each month. Comprehensive (or other-than-collision) coverage costs an average of $770 a year, liability/medical is $794, and the remaining collision insurance costs around $1,478.

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.

Defender vs. other luxury SUVs: How does it rank?

The Land Rover Defender ranks 36^th out of 38 comparison vehicles in the small luxury SUV class for most affordable car insurance prices. The Defender costs an average of $3,042 per year for full coverage insurance, while the category average cost is $2,541 per year, a difference of $501 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 $530 more per year than the Mercedes-Benz GLC300, $278 more than the BMW X3, $672 more than the Volvo XC60, and $436 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.

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 $520 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 $6,128 per year, while a 20-year-old woman pays an average of $4,388, a difference of $1,740 per year in the women’s favor by a large margin. But by age 50, the rate for males is $2,684 and the rate for women is $2,618, a difference of only $66.
• The cost to insure teenage drivers is high. Average rates for full coverage Defender insurance costs $10,735 per year for a 16-year-old driver, $10,441 per year for a 17-year-old driver, $9,437 per year for an 18-year-old driver, and $8,561 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 $804 per year. Major infractions like a DWI could raise rates by an additional $2,820 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 $4,784 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 $91 and $228 on your yearly car insurance bill.