Car insurance for a Range Rover

How much does it cost to insure a Range Rover? 

Average full coverage car insurance rates for a Range Rover are $3,341 per year — 40 percent more than the national average. The price of a vehicle can have a strong correlation to insurance costs. Given that Range Rovers have a starting MSRP of around $100,000, with higher trims surpassing $150,000, it's easy to understand why their insurance costs are significantly higher than an average everyday SUV. 

However, there is more to insurance rates than your car's make and model, here are some additional factors that may impact the cost of auto insurance for your Range Rover:

• Price of parts and labor: Range Rovers and its components are primarily manufactured in the United Kingdom, meaning they are shipped or flown to America. You’ll also likely need a Land Rover-certified mechanic for repairs, as opposed to a general auto technician. The increased cost of parts and labor makes it more expensive for insurance companies to fulfill damage claims, so they pass off this expense to policyholders in the form of higher premiums.
• Theft rate: According to the 2023 Highway Loss Data Institute Insurance Report (HLDI), Range Rovers were ranked fifth amongst all vehicles for relative frequency of theft. It’s also worth noting that the Range Rover Sport also ranked 7th in this statistic. Vehicles that are more prone to theft are often more expensive to insure.
• Safety features: Range Rovers come standard with safety features like adaptive cruise control, backup cameras and automated emergency braking. These features could help you earn a discount on your premium.
• Personal factors: In addition to the make and model of your vehicle, your driving history, driving experience and, in most states, age, gender and credit-based insurance score can impact the cost of auto insurance. Drivers over the age of 25 with a clean driving record and good credit score usually pay less for car insurance.

Car insurance rates for Range Rover

Range Rovers are available in several trim levels, and even the base model has premium features like a panoramic roof and heated seats. Lane departure warnings, backup cameras and rain-sensing wipers are some of the safety features that may help you avoid or reduce the severity of a collision, but these luxury features can also be costly to repair in the event of damage. 

While the trim level and package options will influence insurance costs, here is the average annual Land Rover Range Rover car insurance premium according to proprietary data from Quadrant Information Services:

Range Rover car insurance cost by state

Vehicle location can impact the cost of every coverage on your car insurance policy. Every state has varying levels of minimum car insurance requirements. Climate and weather patterns can influence road conditions and vehicle performance, plus different ZIP codes have their own traffic densities and theft rates. We’ve put together a chart that shows Range Rover car insurance rates by state:

Average cost of car insurance for Land Rover Range Rover by company 

Insurance companies use many of the same rating factors to price insurance rates but weigh them differently. Some insurers specialize in high-risk drivers and assist in filing required SR-22 forms. Others offer better rates to military members or drivers over the age of 50. The best way to find the cheapest car insurance company for your Range Rover is to shop for quotes. 

We compared rates from the largest car insurance companies based on market share to illustrate the potential savings.

Average cost of car insurance for Land Rover Range Rover by company

Range Rover features that impact insurance costs

Safety and anti-theft features can help lower the cost of some insurance coverage types since they help drivers avoid accidents, reduce the severity of accidents or reduce the risk of car theft. While features will vary in certain models and trim levels, here are some that come standard with newer Range Rovers: 

• Drivetrain and control systems: With the help of four-wheel-drive or all-wheel drive, in addition to traction control and terrain response systems, Range Rovers are well-equipped to handle uncertain or unexpected driving conditions, which is a core component of accident prevention.
• Anti-roll system: With an electronically controlled anti-roll system, Range Rovers are capable of mitigating damage in a severe accident. This is an important feature for taller, larger and heavier SUVs to have since they are typically more susceptible to rollovers.
• Emergency brake assist: If you apply the brakes quickly, a Range Rover will apply greater pressure on the anti-lock braking system, helping you to come to a complete stop faster. This feature can lower the risk of an accident and may help you save on your car insurance premiums.
• Adaptive cruise control: Range Rovers are equipped with adaptive cruise control, which allows you to maintain a set speed but also automatically reduces your speed if a vehicle ahead is slowing down. This feature may help you avoid a crash, which would help you save on your car insurance.
• Lane departure warning and assist: This system displays an icon of your vehicle within its lane on your dashboard. If your Range Rover begins to drift, the icon lights up in red to warn the driver. The system can even automatically steer the vehicle back into the lane if it moves too far. By helping drivers stay focused and avoid accidents, this system may contribute to lower car insurance costs.
• Anti-theft system: While a paid subscription may be required, Range Rovers are usually equipped with Secure Tracker or InControl Secure, which are integrated anti-theft systems. 

It’s important to note that many of these technologies and features can be costly to repair and replace and, therefore, may also contribute in some ways to increased insurance premiums. That may not negate the discount provided, but it can reduce how much actual savings a policyholder experiences.

Other car insurance coverage for a Range Rover

State-mandated liability coverage is usually cheap, but it doesn't cover damage to your own vehicle and is often not enough to cover the costs if you cause significant damage to other people or property behind the wheel. High-end vehicles can signal “wealth” and become targets for staged accident insurance fraud. Most insurance experts recommend purchasing as much liability insurance as you can reasonably afford, since higher limits provide greater protection for your finances in the long run. The higher your liability limits, the less likely you will pay out-of-pocket if you are sued for injuries or damage you cause in an accident.

A full coverage policy, which includes comprehensive and collision insurance, will also provide coverage to repair your Range Rover if you’re at fault in an accident. Drivers who lease or finance are usually required to have full coverage. Drivers who pay cash or have older Range Rovers will likely still benefit from this coverage. Here are a few common types of insurance coverage that Range Rover owners may also want to consider:

• New car replacement: In the event of a covered claim, this coverage can help you purchase another car that is the same make and model of your current vehicle instead of an actual cash value (ACV) payout.
• Gap insurance: This coverage can pay the difference between the ACV of your vehicle and the balance due on your auto lease or loan if your vehicle is totaled in a covered claim. This can be particularly beneficial for luxury vehicles, which experience significant depreciation due to their high starting MSRP.
• Uninsured/underinsured motorist coverage: If an uninsured or underinsured at-fault driver injures you and/or your passengers, these coverage types can make claim payments toward medical-related expenses. Uninsured motorist coverage for property damage is also available in some states. Some states require these coverage types to meet their legal minimums.
• Rental car reimbursement: This will help cover the cost of a rental vehicle while your car is repaired after a covered claim.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

Model: To determine the costs displayed on this page, we evaluated our base profile with a 2022 Land Rover Range Rover applied in place of the Toyota Camry.