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Land Rover auto insurance: what you need to know.

Known for their tough and intrepid vehicles that can tackle any terrain with ease, Land Rover is a favourite among off-roading recreational drivers and car enthusiasts alike.

Even Queen Elizabeth II herself is frequently spotted behind the wheel of their Range Rover model (yes, a Range Rover is a type of Land Rover and not vice versa). Land Rover has become such an iconic brand that even Lego has a kit based on the company’s Defender model.

Because a Land Rover is considered a luxury vehicle, you’re likely to pay a higher premium to insure it than a basic sedan. The luxury price of a Land Rover — the cheapest model costs around $40,000 and the most expensive model can cost up to $110,000 — means that it costs considerably more than your average vehicle, and the price is reflected in terms of insurance premiums. Also, because they have more safety features than other brands, they can be more expensive to repair in the event of a collision.

If you’re looking to get behind the wheel of a Land Rover, make sure you weigh the costs of Land Rover insurance in Canada beforehand to ensure you’re getting the best rate possible.

Land Rover insurance costs will vary based on your driving history, insurance history, what model and year of Land Rover you purchase, and where you plan on driving. While there are plenty of insurance companies out there, don’t just take one insurer’s word on what you should be paying for Land Rover insurance.

Whether you’re looking for a new Land Rover insurance policy or a Land Rover insurance renewal, our comparison tool can help you find the best insurance price for your coverage needs.

Keep scrolling to learn more about Land Rover insurance coverage.

How much is insurance for a Land Rover?

It can be difficult to determine the average Land Rover insurance cost, because insurance companies have complex algorithms and tools to determine rates. These algorithms vary from provider to provider, and are a closely guarded secret.

They consider factors such as a driver’s driving history, what province you live in, whether you’re in a rural or urban environment, as well as vehicle type, year and model.

An insurer will also consider your driving and insurance history, as well as your claims history when determining your Land Rover insurance rate. Insurance for young and new drivers will more than likely be more expensive than that offered to more seasoned drivers, as their experience makes them less of a liability to insure.

Private insurance markets are only a thing in the Atlantic provinces, Ontario, Alberta, Quebec, and the territories, whereas in all other provinces, insurance is provided by the government. This is why the average cost of Land Rover insurance isn’t a reliable benchmark to base your budget on and you’re better off applying for quotes.

If you’re looking for the best insurance rates for a Land Rover, start with a free quote from our LowestRates.ca comparison tool. We’ll help you compare Land Rover insurance costs online in just 3 minutes.

The following are Land Rover car insurance rates offered to real LowestRates.ca customers.

Estimated Premium

See how our customers with collision coverage save big on auto insurance.

Customer	Location	Vehicle	Lowest rate	Average rate	Saved
Quote from June 18, 2025 Customer Female, 31 years old	Location ontario	Vehicle 2013 LAND ROVER RANGE ROVER EVOQUE 4DR 4WD	Lowest Rate $189/mth $2,268/yr	Average Rate $256/mth $3,073/yr	Saved $67/mth 26.20%
Quote from June 18, 2025 Customer Male, 29 years old	Location ontario	Vehicle 2019 LAND ROVER RANGE ROVER SPORT HST HEV 4DR AWD	Lowest Rate $311/mth $3,727/yr	Average Rate $772/mth $9,265/yr	Saved $462/mth 59.77%
Quote from June 18, 2025 Customer Female, 84 years old	Location ontario	Vehicle 2022 LAND ROVER DISCOVERY SPORT S R-DYN P250 4DR AWD	Lowest Rate $93/mth $1,121/yr	Average Rate $133/mth $1,591/yr	Saved $39/mth 29.54%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about Land Rover auto insurance rates, answered.

What is the cheapest Land Rover to insure?

A good rule of thumb is that lower-end Land Rover models without custom trim are usually cheapest to insure. While higher level trims might offer more in terms of bells and whistles, that also makes them more expensive to repair or replace in the event of damage, which means higher insurance premiums for you.

Regularly comparing and reviewing your Land Rover insurance rates using a site like LowestRates takes less than 5 minutes and compares more than 50 different rates to help you find the best deal.

Used vs. new Land Rover: which is cheaper to insure?

Insurance on used Land Rover cars is often cheaper than insurance for newer vehicles, as the cost to replace or repair an older vehicle is less than that of newer models. That said, many drivers find the appeal of a new car — with its advanced safety features and multi-year warranty — hard to resist.

If you opt to go new and want to lease your vehicle rather than buy it outright, you’ll likely need more Land rover insurance coverage. That’s because comprehensive, collision, and liability and accident benefits are mandatory for leased vehicles. If you own your vehicle and it is not financed, you can get away with just liability and accident insurance.

To make your Land Rover car insurance as cheap as possible, you can purchase a used or older (more than five years old) model, which will allow you to opt out of collision and comprehensive insurance, as it will simply cost too much to replace or repair your vehicle in the event it’s damaged.

What is the best car insurance for a Land Rover?

There’s no single insurance provider that’s best for one particular make — what matters more is the driver of the vehicle. This is where things like driver history play an important role in determining your rates. Land Rover insurance for young drivers is likely to be more expensive than that of older, more experienced drivers. Also, any insurance claims on your Land Rover or other vehicle in the past will factor into your current rates.

Make sure to review quotes when your Land Rover insurance is up for renewal. Comparing quotes can ensure you’re getting the best rate possible. Because insurance companies all have different underwriting standards, prices can vary. You can use an online tool like LowestRates or reach out directly to a broker near you to discuss how much insurance is for a Land Rover. Brokers work with many different insurance companies to ensure you get the best rate possible for your coverage needs.

How are auto insurance quotes for Land Rover calculated?

Your Land Rover car insurance price is calculated on a number of factors, including your age, your location, your driving history, your policy, and any customer loyalty discounts.

Age: Many insurance companies charge younger drivers increased premiums as they have less experience driving than their more seasoned counterparts. This is perfectly legal in provinces where insurers are allowed to factor age into a policy, such as Alberta and Ontario. Generally speaking, once you hit the age of 25, your premiums for your Land Rover insurance policy should start to decrease as you’ve gained an appreciable amount of skill behind the wheel.
Location: Where you live in Canada affects Land Rover insurance rates just as much as the vehicle you’re driving. Those who live in more urban areas are likely to have higher Land Rover insurance costs than those in more rural areas. Claims are higher in some areas, which will have an effect on your premiums. What area you live in within a city can also affect your Land Rover vehicle insurance premiums, with certain postal codes having higher rates than others.
Driving history: Your driving history is another factor that will greatly impact how much insurance is for a Land Rover. A clean driving record will get you the best car insurance rates for Land Rover, so try to keep your record spotless. If you’ve never filed an insurance claim before, it can really help you get a lower rate.
Policy: The amount of coverage you choose for your Land Rover as well as the rate of your deductible is another important factor in calculating your premiums.
Customer loyalty: Many insurers offer a discount for customer loyalty, so if your Land Rover insurance is up for renewal, ask your home insurance provider about bundling discounts, as well as any discounts for having been a long-term customer.

To ensure you’re always getting the best Land Rover car insurance quotes, use LowestRate.ca’s free online tool to compare Land Rover insurance costs from more than 50+ Canadian insurance providers.

Is it safe to buy Land Rover insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.