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 costs an average of $2,098 per year or $1,049 for a semi-annual policy, depending on policy limits.
  • The Defender 110 trim level is the cheapest to insure at around $1,812 per year. The most expensive trim is the 110 V8 Carpathian Edition at $2,312 per year.
  • The Land Rover Defender is one of the more expensive small luxury SUVs to insure for 2023, costing $138 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 $2,098 per year on average, which is about $175 each month. Comprehensive (or other-than-collision) coverage costs an average of $536 a year, liability/medical is $496, and the remaining collision insurance costs around $1,066.

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 August 12, 2023
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$3,470$289
$500$4,184$349
$250$4,938$412
30$1,000$1,836$153
$500$2,230$186
$250$2,646$221
40$1,000$1,734$145
$500$2,098$175
$250$2,476$206
50$1,000$1,580$132
$500$1,908$159
$250$2,250$188
60$1,000$1,554$130
$500$1,878$157
$250$2,214$185

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$1,812$906$151
90 S$1,838$919$153
110 S$1,888$944$157
90 SE$1,986$993$166
130 S$2,008$1,004$167
90 X-Dynamic SE$2,020$1,010$168
110 SE$2,020$1,010$168
110 X-Dynamic SE$2,050$1,025$171
130 SE$2,098$1,049$175
130 X-Dynamic SE$2,126$1,063$177
130 First Edition$2,146$1,073$179
90 X$2,170$1,085$181
110 X$2,188$1,094$182
130 X$2,236$1,118$186
90 V8$2,272$1,136$189
110 V8$2,286$1,143$191
90 V8 Carpathian Edition$2,298$1,149$192
110 V8 Carpathian Edition$2,312$1,156$193

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 August 11, 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 $2,098 per year for full coverage insurance, while the category average cost is $1,960 per year, a difference of $138 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 $254 more per year than the Mercedes-Benz GLC300, $34 less than the BMW X3, $246 more than the Volvo XC60, and $56 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$1,508-$590
2Cadillac XT4$1,634-$464
3Volvo XC40$1,664-$434
4Lexus UX 250h$1,694-$404
5Mercedes-Benz GLA250$1,756-$342
6Mercedes-Benz GLB 250$1,762-$336
7Lexus NX 250$1,786-$312
8Lexus NX 350h$1,806-$292
9Lexus NX 350$1,818-$280
10Lincoln Corsair$1,820-$278
11Lexus NX 450h$1,826-$272
12BMW X1$1,838-$260
13Alfa Romeo Tonale$1,842-$256
14Mercedes-Benz GLC300$1,844-$254
15Lexus RZ 450e$1,848-$250
16Volvo XC60$1,852-$246
17Audi Q3$1,868-$230
18Land Rover Evoque$1,878-$220
19Volvo C40$1,894-$204
20Infiniti QX55$1,958-$140
21Mercedes-Benz GLA35 AMG$1,964-$134
22Genesis GV70$1,998-$100
23Mercedes-Benz EQB 300$2,008-$90
24Genesis GV60$2,010-$88
25Mercedes-Benz GLA45 AMG$2,020-$78
26Alfa Romeo Stelvio$2,028-$70
27Audi Q5$2,042-$56
28Land Rover Range Rover Velar$2,050-$48
29Mercedes-Benz EQB 350$2,052-$46
30BMW X4$2,092-$6
31Land Rover Defender$2,098--
32Jaguar F-Pace$2,106$8
33Audi Q4$2,120$22
34Porsche Macan$2,122$24
35BMW X3$2,132$34
36Jaguar I-Pace$2,252$154
37Aston Martin DBX$3,514$1,416

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 August 11, 2023
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 $354 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 $4,184 per year, while a 20-year-old woman pays an average of $3,084, a difference of $1,100 per year in the women’s favor by a large margin. But by age 50, the rate for males is $1,908 and the rate for women is $1,870, a difference of only $38.
  • The cost to insure teenage drivers is high. Average rates for full coverage Defender insurance costs $7,312 per year for a 16-year-old driver, $6,904 per year for a 17-year-old driver, $6,474 per year for an 18-year-old driver, and $5,906 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 $546 per year. Major infractions like a DWI could raise rates by an additional $1,926 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 $3,238 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 $63 and $183 on your yearly car insurance bill.