Land Rover Defender Insurance Cost for 2023

How much is car insurance for a Land Rover Defender?

From the base 110 model to the high end 110 V8 Carpathian Edition trim level, we compared insurance cost for the Rover Defender to see how rates measure up to competing small luxury SUVs.

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Land Rover Defender insurance illustration
  • Land Rover Defender insurance costs an average of $2,044 per year or $1,022 for a semi-annual policy, depending on policy limits.
  • The Defender 110 trim level is the cheapest to insure at around $1,766 per year. The most expensive trim is the 110 V8 Carpathian Edition at $2,252 per year.
  • The Land Rover Defender is one of the more expensive small luxury SUVs to insure for 2023, costing $135 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 $2,044 per year on average, which is about $170 each month. Comprehensive (or other-than-collision) coverage costs an average of $522 a year, liability/medical is $484, and the remaining collision insurance costs around $1,038.

The cost summary chart below shows how 2023 Land Rover Defender car insurance rates adjust based on driver age group and the policy deductibles chosen.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Land Rover Defender with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Land Rover Defender trim levels.Data last updated on December 29, 2022
Land Rover Defender Car Insurance Rates
2023 Land Rover Defender Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,380$282
$500$4,076$340
$250$4,810$401
30$1,000$1,786$149
$500$2,174$181
$250$2,574$215
40$1,000$1,690$141
$500$2,044$170
$250$2,414$201
50$1,000$1,542$129
$500$1,860$155
$250$2,194$183
60$1,000$1,514$126
$500$1,828$152
$250$2,156$180

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.

2023 Land Rover Defender Insurance Cost by Trim Level
Land Rover Defender Trim Level Annual Policy Six-Month Policy Per Month
110$1,766$883$147
90 S$1,792$896$149
110 S$1,840$920$153
90 SE$1,938$969$162
130 S$1,956$978$163
90 X-Dynamic SE$1,968$984$164
110 SE$1,970$985$164
110 X-Dynamic SE$1,998$999$167
130 SE$2,046$1,023$171
130 X-Dynamic SE$2,072$1,036$173
130 First Edition$2,092$1,046$174
90 X$2,116$1,058$176
110 X$2,134$1,067$178
130 X$2,180$1,090$182
90 V8$2,216$1,108$185
110 V8$2,226$1,113$186
90 V8 Carpathian Edition$2,242$1,121$187
110 V8 Carpathian Edition$2,252$1,126$188

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Land Rover Defender, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Land Rover Defender Insurance Cost by Trim Level

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

The Land Rover Defender ranks 31st out of 37 comparison vehicles in the small luxury SUV class for most affordable car insurance prices. The Defender costs an average of $2,044 per year for full coverage insurance, while the category average cost is $1,909 per year, a difference of $135 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 $246 more per year than the Mercedes-Benz GLC300, $32 less than the BMW X3, $238 more than the Volvo XC60, and $54 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.

Insurance Cost Comparison: Land Rover Defender vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,472-$572
2Cadillac XT4$1,592-$452
3Volvo XC40$1,622-$422
4Lexus UX 250h$1,650-$394
5Mercedes-Benz GLA250$1,712-$332
6Mercedes-Benz GLB 250$1,718-$326
7Lexus NX 250$1,740-$304
8Lexus NX 350h$1,760-$284
9Lexus NX 350$1,770-$274
10Lincoln Corsair$1,772-$272
11Lexus NX 450h$1,776-$268
12BMW X1$1,788-$256
13Alfa Romeo Tonale$1,790-$254
14Mercedes-Benz GLC300$1,798-$246
15Lexus RZ 450e$1,802-$242
16Volvo XC60$1,806-$238
17Audi Q3$1,820-$224
18Land Rover Evoque$1,828-$216
19Volvo C40$1,846-$198
20Infiniti QX55$1,908-$136
21Mercedes-Benz GLA35 AMG$1,914-$130
22Genesis GV70$1,944-$100
23Mercedes-Benz EQB 300$1,954-$90
24Genesis GV60$1,958-$86
25Mercedes-Benz GLA45 AMG$1,968-$76
26Alfa Romeo Stelvio$1,978-$66
27Audi Q5$1,990-$54
28Land Rover Range Rover Velar$1,996-$48
29Mercedes-Benz EQB 350$2,000-$44
30BMW X4$2,038-$6
31Land Rover Defender$2,044--
32Jaguar F-Pace$2,054$10
33Audi Q4$2,066$22
34Porsche Macan$2,070$26
35BMW X3$2,076$32
36Jaguar I-Pace$2,194$150
37Aston Martin DBX$3,424$1,380

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on December 30, 2022
Insurance Cost Comparison: Land Rover Defender vs Small Luxury SUVs

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 $346 per year.
  • The gender of the driver affects insurance cost. For a 2023 Land Rover Defender, a 20-year-old man will have an average rate of $4,076 per year, while a 20-year-old woman pays an average of $3,004, a difference of $1,072 per year in the women’s favor by a large margin. But by age 50, the rate for males is $1,860 and the rate for women is $1,824, a difference of only $36.
  • The cost to insure teenage drivers is high. Average rates for full coverage Defender insurance costs $7,124 per year for a 16-year-old driver, $6,726 per year for a 17-year-old driver, $6,308 per year for an 18-year-old driver, and $5,754 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 $534 per year. Major infractions like a DWI could raise rates by an additional $1,876 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 $3,156 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 $61 and $178 on your yearly car insurance bill.