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Land Rover Insurance 

Find the right cover for your Land Rover 4x4 

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1Accurate as of October 2023.

Who is Land Rover?

Land Rover is a prestigious, heritage British car brand, specialising in four-wheel drive vehicles. It is owned by multinational car manufacturer, Jaguar Land Rover (JLR).

JLR vehicles are known for combining off-road ruggedness with luxury features, advanced technologies and stylish design. Due to these attributes and their arguably high price tags, Land Rover models, including the Range Rover and Defender, are often perceived as status symbols.

They are also highly targeted by thieves. If you’re a Land Rover owner, it’s safe to say car insurance is imperative for your ‘whip’. 

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How much does a Land Rover cost to insure?

As high-end cars, Land Rovers have always been expensive to insure, and a rise in UK car thefts means insurance quotes are at an all time high. The premium you pay will still depend on the model you choose – as well as your age and driving history.   

The cost to insure a Land Rover will depend on the car insurance group that it’s been placed in. The higher the car insurance group, the higher your premium is likely to be.  

The Range Rover is by far the most popular Land Rover model in the UK and is also typically the most expensive to insure. However it's the Discovery that attracts the lowest insurance premiums. 

  • 1

    Three most popular models²

    1. RANGE ROVER EVOQUE SE TECH TD4 (180)  - £992.02 /year to insure  

    2. RANGE ROVER SPORT HSE SDV6 (306) - £1,740.28 /year to insure

    3. RANGE ROVER EVOQUE PURE TECH SD4 - £776.49 /year to insure

  • 2

    Three most expensive models²

    1. RANGE ROVER SPORT SVR V8 SC (575) - £2,714.73 /year to insure

    2. RANGE ROVER SPORT AUTOBIOG DYN SDV6 (306) - £2,022.18 /year to insure

    3. RANGE ROVER SPORT HSE SDV6 (255) - £2,014.81 /year to insure

  • 3

    Three least expensive models²

    1. DISCOVERY TD5 GS - £364.29 /year to insure

    2. FREELANDER 2 SE TD4 (160) - £401.57 /year to insure

    3. FREELANDER 2 XS TD4 (150) - £406.23 /year to insure

What cover do I need for my Land Rover?

When you take out car insurance, you’ll be able to choose from three different types of cover:

  • Fully comprehensive

    A fully comprehensive policy covers you for damage done to someone else, their car or their property, as well as damage, repairs, and theft of your own car

    £478.53 on average3

  • Third-party, fire and theft

    Third-party, fire and theft policies provide cover for third-party damage, but they also add protection for your own vehicle if it’s stolen or damaged by fire

    £1,798.14 on average3

  • Third-party only

    Third-party cover is the minimum level of insurance you need to drive on UK roads. It covers you for damage to a third-party, their vehicle or their property 

    £984.84 on average3

What extra features can I add to my Land Rover policy?  

You can increase the coverage offered by your Land Rover car insurance policy with the following optional extras. But these will make your policy more expensive, so consider whether you really need them: 

What’s the difference between a Land Rover and Range Rover? 

Up until recently, Land Rover was a brand of vehicles, with seven different models. A Range Rover was one of those models, so its full name was Land Rover Range Rover. 

Jaguar Land Rover has now rebranded to JLR, and has launched Range Rover, Defender, and Discovery as brands in their own right.

How much do Range Rovers and Land Rovers cost?

The cost of Range Rovers can vary significantly depending on factors like the model, trim level, optional features, and location. According to Jaguar Land Rover's website in 2023, the Range Rover SE with standard wheelbase has a starting price of £103,720 while the Range Rover SV with standard wheelbase has a starting price of £161,500 without any upgrades or additional features.


How can I cut the cost of my Land Rover insurance?

The price you pay for car insurance will depend on many factors, but there are a few things you can do to try and bring the cost down: 

  • 1

    Avoiding modifications

    Modifying your car can be tempting - but the customised feel, improved performance and extra features usually mean your premiums increase

  • 2

    Paying more excess

    Offering to pay a higher excess shows you won't make smaller claims - but be sure it's an amount you can afford if you do need to claim

  • 3

    Driving less

    Driving fewer miles means your risk of being involved in an accident is lower, so you'll likely need to pay less for cover

  • 4

    Paying premiums annually

    Paying annually might be a bigger initial spend, but you'll often end up paying less overall than you would with monthly payments 

  • 5

    Increase security

    Enhancing car security with wheel locks, alarms and immobilisers, as well as being kept off the street at night, can reduce insurance costs

  • 6

    Shop around

    Don’t accept the first price you see. Use a comparison service like ours to check you’re getting a competitive deal. 

Sarah Tooze

Our expert says


Range Rover, Discovery and Defender models are among the best new luxury SUVs you can buy. With their high-end interiors, fancy tech and off-road capability they’re attractive to car buyers looking for a premium 4x4. Unfortunately, that also makes them a target for thieves - and a greater risk for insurers. It’s worth shopping around to see how prices vary between different specifications and models, as well as considering used Land Rovers.

- Sarah Tooze, Car & Van Insurance Expert

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There’s a number of reasons Range Rovers can cost so much to insure. They’re expensive cars to start with and feature technology that can drive up the costs of repairs. But they’re also one of the most stolen cars in the UK and so are considered high risk by many insurance companies. 

Yes, like most vehicles, Land Rovers typically lose value over time due to depreciation. Luxury vehicles, like Land Rovers, often lose value at a faster rate than ‘non-luxury vehicles’. This is due to things like a higher initial cost, advanced technology, and a more limited market. 

You can find out which group your car is in with our handy car insurance group checker tool – just input your registration number or look up your car’s make and model. 

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