Cheap Land Rover Auto Insurance in 2026 (Cash Savings With These 10 Companies!)

The top picks for cheap Land Rover auto insurance are Geico, American Family, and State Farm, renowned for their competitive pricing and reliable coverage.

These providers excel by offering tailored policies that cater to the unique needs of Land Rover owners, ensuring optimal protection and value. See more details in our guide titled “Affordable Auto Insurance.”

Our Top 10 Company Picks: Cheap Land Rover Auto Insurance

By comparing these companies, Land Rover drivers can secure affordable rates without compromising on quality. Explore your options to find the best fit for your auto insurance needs and enjoy peace of mind on the road.

#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers the lowest monthly rate at $78. See more details on our Geico auto insurance review.
• High Rating: It boasts an A++ rating from A.M. Best, indicating superior financial health.
• Comprehensive Plans: Geico provides a wide range of coverage options that cater to diverse needs.

Cons

• Policy Upselling: Customers may experience frequent upselling of additional coverages.
• Claim Process: Some users report a complex claim submission process.

#2 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Benefits: American Family rewards long-term customers with significant loyalty discounts.
• Diverse Discounts: Offers a variety of discounts, including for safe driving and good students.
• Solid Rating: Holds an ‘A’ rating from A.M. Best, ensuring good financial health. Delve into our evaluation of American Family Insurance auto insurance review.

Cons

• Higher Rates for New Customers: New clients might face higher initial rates.
• Limited Availability: Coverage options can vary significantly by state.

#3 – State Farm: Best for Customer Service

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: Offers various coverage options tailored to different needs. Learn more in our State Farm auto insurance review.

Cons

• Limited Multi-Policy Discount: The multi-policy discount is not as competitive as others.
• Premium Costs: Despite discounts, premiums might still be higher for certain coverage levels.

#4 – Nationwide: Best for Additional Benefits

Pros

• Unique Benefits: Nationwide provides unique add-ons like vanishing deductibles and accident forgiveness.
• Customer Rewards: Offers a rewards program for safe drivers. Learn more on how do I file an auto insurance claim with Nationwide.
• Good Financial Standing: Maintains an A+ rating from A.M. Best.

Cons

• Higher Starting Rates: Slightly higher rates starting at $92 monthly.
• Coverage Limitations: Some desired coverages may be unavailable in certain areas.

#5 – Progressive: Best for Online Tools

Pros

• User-Friendly Online Interface: Progressive is renowned for its digital tools that simplify managing policies and claims.
• Customizable Coverage: Offers highly customizable policy options. Read up on the Progressive auto insurance review for more information.
• Discounts for Technology Use: Incentives for using their mobile app or online services.

Cons

• Variable Customer Service: The quality of customer support can vary significantly.
• Higher Premiums: Rates are on the higher side, starting at $96.

#6 – Travelers: Best for Financial Stability

Pros

• Strong Financial Backbone: Holds an A++ rating, indicating excellent financial stability.
• Wide Range of Options: Offers a diverse portfolio of insurance products. Access comprehensive insights into our Travelers auto insurance review.
• Risk Management Solutions: Provides advanced risk assessment tools for better protection.

Cons

• Costly Policies: Generally more expensive, with rates starting at $101.
• Complex Policies: The wide range of options can be overwhelming and complex to navigate.

#7 – Allstate: Best for Coverage Options

Pros

• Extensive Coverage Choices: Allstate offers a variety of coverage options, allowing for highly tailored policies.
• Innovative Tools: Provides digital tools for policy management and claims.
• Reward Programs: Offers rewards and discounts for safe driving. More information is available about this provider in our “Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes.”

Cons

• Higher End Pricing: Rates start at $103, which can be steep for some budgets.
• Customer Service Variability: Customer service quality can vary by region.

#8 – AAA: Best for Roadside Assistance

Pros

• Superior Roadside Assistance: AAA is highly regarded for its comprehensive roadside support.
• Member Benefits: Offers extensive benefits and discounts to its members.
• Strong Financial Rating: Maintains an A+ rating from A.M. Best. Check out insurance savings in our complete “AAA Auto Insurance Review: Can you get affordable quotes?“

Cons

• Membership Required: Requires a membership fee, adding to the overall cost.
• Higher Rates: Monthly premiums start at $106, higher than some competitors.

#9 – Farmers: Best for Personalized Service

Pros

• Personalized Attention: Farmers excels in providing personalized customer service.
• Customizable Policies: Offers flexibility in policy customization to meet individual needs.
• Dedicated Agents: Provides dedicated agents to assist with policy management. Discover more about offerings in our Farmers auto insurance review.

Cons

• Higher Costs: Starting rates are at $109, making it less competitive.
• Inconsistent Agent Experience: The quality of service can vary depending on the agent.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Highly Customizable Policies: Liberty Mutual offers extensive options for policy customization.
• Discounts Available: Provides a range of discounts, including for multi-policy bundles.
• Good Financial Health: Holds an ‘A’ rating from A.M. Best. Check out insurance savings in our complete Liberty Mutual auto insurance review.

Cons

• Premium Pricing: Premiums are among the highest, starting at $115.
• Customer Service Complaints: Some customers report dissatisfaction with the service received.

Land Rover Insurance Cost: Detailed Breakdown

Navigating auto insurance rates for Land Rovers can be complex given the variability in coverage options. The table below simplifies this by showcasing monthly rates from various providers for both minimum and full coverage.

Land Rover Auto Insurance Monthly Rates by Coverage Level & Provider

The table presents a clear comparison of monthly auto insurance rates for Land Rovers, segmented by insurance company and type of coverage. For minimum coverage, rates start as low as $78 with Geico and go up to $115 with Liberty Mutual.

On the other hand, full coverage rates range from $143 at Geico to $179 at Liberty Mutual, reflecting a broader scope of protection.

This data is essential for Land Rover owners looking to balance cost with coverage needs, offering insights into potential premiums they might expect based on their chosen insurance provider and coverage level. See more details in our guide titled “Affordable Full Coverage Auto Insurance.”

Auto Insurance Coverages for Land Rovers

Some drivers may be tempted to do away with as much auto insurance coverage as possible to save on their policies, but this could leave them open to large bills after an accident.

Generally, similar to Land Rover Discover Sport car insurance, you should maintain both comprehensive and collision policies in addition to the legally required state coverages. Unless your vehicle is an older model that has significantly depreciated, these insurance policies will protect you in numerous situations.

If you have a lease or loan on your Land Rover, your lender will require you to carry these coverages. Collision coverage covers your Land Rover’s repairs if you crash into an object or vehicle. Comprehensive auto insurance coverage covers your Land Rover’s repairs if you crash into an animal. It also covers damages from vandalism and weather.

As for state-required auto insurance (read our “Auto Insurance Requirements by State” for more information) coverages on your Land Rover, you will likely have to carry liability insurance, medical insurance, and uninsured/underinsured motorist coverage.

However, it depends on your state, as not all states require medical insurance or uninsured/underinsured motorist coverage. Below is a quick overview of the different types of auto insurance coverage for your Land Rover:

• Medical Payments (MedPay) Insurance: Medpay helps pay medical bills if you or your passengers are injured in a car crash.
• Liability Auto Insurance Coverage: If you cause a car crash that injures other people or damages their property, liability insurance pays their bills.
• Personal Injury Protection (PIP) Auto Insurance: PIP helps pay medical bills if you or your passengers are injured in a car crash. It also covers related costs like lost wages.
• Uninsured/Underinsured Motorist Insurance: This insurance coverage helps pay your accident bills if you are hit by a driver who doesn’t have enough insurance coverage to pay all of your costs.

Generally, a combination of the above coverages will be the only coverages you are required by law to carry on your Land Rover. All other coverages are up to you unless you have a lease or loan agreement. Learn how to get auto insurance here.

How Much Is Range Rover Insurance

Now that you know what coverages you’ll need on your Land Rover, let’s take a look at some of the average rates you’ll pay for basic coverages on different Land Rover models:

Land Rover Auto Insurance Monthly Rates by Coverage Type & Provider

The Land Rover Range Rover is expensive to insure, costing well over $100,000. Models with lower retail prices, like the Land Rover Range Evoque, will have cheaper auto insurance rates on average.

The cost of replacement parts and repairs is always less for cheaper models, so insurance companies don’t have to pay out as large of a claim. So the less your Land Rover costs to buy, the less your Land Rover insurance will cost.

Two other factors that will impact your auto insurance rates, besides the cost of your Land Rover, are your age and driving record.

Land Rover Auto Insurance Monthly Rates by Model, Driving Record & Age

If you are a younger driver, driving safely to keep a clean driving record is important. This will help lower your rates as you age. You can also see if your auto insurance company offers any discounts for young drivers, such as a good student discount.

Read more: Affordable Land Rover Auto Insurance Quotes

Ways to Save on Land Rover Auto Insurance

You can do a few things to reduce your Land Rover insurance rates. First, you should check if your insurance company has any additional auto insurance discounts you can qualify for.

There may be a safe driving program you can participate in for a discount or a good student discount you didn’t know about. A big discount to look for is a bundling discount, where you buy more than one type of insurance from the company, such as renters and auto insurance.

Besides discounts, you can also increase your auto insurance deductible to lower your Land Rover rates. The only thing we caution with this is to make sure you don’t raise it too high. You want your deductible to be an amount you could comfortably pay out-of-pocket after an accident.

Finally, our last tip is to make sure you shop around and compare rates from different companies. Otherwise, you can’t be sure you are getting the best deal on your Land Rover insurance, especially if you’ve recently had changes to your policy, like moving to a new address.

Find the Most Affordable Land Rover Auto Insurance Today

While Land Rovers can be more expensive to insure because they are luxury cars, this doesn’t mean you can’t find ways to save. Most drivers can reduce their auto insurance rates through discounts and quotes. They can also raise their insurance deductible to reduce their rates. Learn more in our complete “Auto Insurance Deductible: Simply Explained.”

If you want to shop around for affordable Land Rover insurance rates, check out our free quote comparison tool. It makes finding a cheap Land Rover insurance rate easy, as it compares rates from companies in your area for you.