Land Rover Defender Insurance Cost for 2023

• 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.

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 31^st 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.

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.