Car insurance for Land Rover

Q: What is the least expensive Land Rover model to insure?

With an average annual insurance premium of ${{VEHICLE:PREMIUM_AVERAGE}} (for Comprehensive cover with Youi), the Land Rover Discovery 3 is the least expensive model of Land Rover to insure with Youi.

Have you been hunting for info about Land Rover insurance? Here you can see the annual premium ranges for Comprehensive cover on Land Rover models with Youi, to give you an idea of what to expect. We’ve also provided info about the levels of cover we offer, as well as some lesser-known facts about the Land Rover brand.

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How much does Land Rover car insurance cost?

Insurance premiums are calculated based on a number of variable factors, such as the year your Land Rover was manufactured, and whether you’ve made any modifications to the vehicle. If you start a quote with Youi, you will get the most detailed info about Land Rover insurance, but if all you need is a general idea, select your model from the list to see the annual premium ranges for Comprehensive cover.

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Model

ANNUAL PREMIUM RANGE:

$1,109 to $2,409

When insured with Youi, the average annual cost of Land Rover Defender insurance is around 18% higher than the other Land Rover models we cover.

ANNUAL PREMIUM RANGE:

$952 to $2,315

If you insure the Land Rover Discovery with Youi, the average annual insurance premium is around 3% higher compared with all other models of Land Rover that we insure.

ANNUAL PREMIUM RANGE:

$637 to $1,254

For Youi customers, the Land Rover Discovery 3 has an average annual insurance cost that’s around 36% lower compared with all other Land Rover models we cover.

ANNUAL PREMIUM RANGE:

$970 to $1,790

The average cost of insurance for the Land Rover Discovery 4 is about 10% lower compared with the average annual insurance premium for all other models of Land Rover insured by Youi.

ANNUAL PREMIUM RANGE:

$1,014 to $1,988

When insured with Youi, the average annual cost of insurance for the Land Rover Discovery Sport is 1% lower compared with the other Land Rover models we insure.

ANNUAL PREMIUM RANGE:

$708 to $1,221

For Youi customers, the Land Rover Freelander 2 has an average annual insurance cost that’s around 38% lower compared with all other Land Rover models we cover.

Information about indicative premium ranges and comparisons

When we display the indicative Comprehensive premium range for a car make and model, or offer a comparison of how a model’s annual premium compares to Youi premiums for all models for that car brand, we adopt some important guidelines:

The information displayed is based on Youi internal data for Comprehensive policies sold for the make and model between 06 Sep 2025 and 06 Mar 2026.
To improve how useful our data is, we only calculate our average comparisons on models where Youi data is available on at least 10 sold Comprehensive policies for that model.
As you would expect, we get some higher or lower premiums based on different risk ratings, so the indicative range does not represent all Youi customers. 80% of applicable Comprehensive car premiums purchased by our customers fell within or below the indicative premium range shown.
Premiums and offers to insure are subject to rating & underwriting, and your own individual circumstances.

What’s the average cost for Land Rover insurance?

Here you can compare the average annual insurance premiums for Comprehensive cover on the various Land Rover models Youi insures. These averages will give you a general idea of how much your Land Rover car insurance might cost.

How we calculate these numbers

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Land Rover Freelander 2

$985

Land Rover Discovery 3

$1,009

Land Rover Discovery 4

$1,422

Land Rover Discovery Sport

$1,567

Land Rover Average

$1,589

Land Rover Discovery

$1,632

Land Rover Defender

$1,871

Choose your cover

There are three levels of cover you can choose with Youi: Comprehensive, Third Party Fire & Theft, and Third Party Property Only. Take a look to find the level that suits your needs.

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Comprehensive insurance

Our Comprehensive insurance includes cover for loss or damage to your car, plus damage your car causes to other people's cars and property.

Explore Comprehensive

Third Party Fire & Theft

Includes cover for your car against fire and theft plus damage to other people's cars and property.

Third Party Fire & Theft

Third Party Property Only

Includes cover for damage to someone else's car and property.

Third Party Property Only

Interesting facts about Land Rover

The history of Land Rover dates back to 1947

The Land Rover was first conceived in 1947 as a sketch in the sand of a Welsh beach. Maurice Wilks is credited as Land Rover’s ‘first innovator’, with a vision to create a vehicle that was tough, intrepid, and suitable for driving across all kinds of terrain. The Land Rover’s combination of ‘capability and composure’ has made it successful and popular around the world.¹

Land Rover has a partnership with Virgin Galactic

Founded in 2004 by Sir Richard Branson, Virgin Galactic is the world’s first company to make space travel commercially available. The partnership between Virgin Galactic and Land Rover reflects the shared goal of both companies: to use the latest technology to push the boundaries of discovery. A fleet of Land Rover vehicles provides support for the Virgin Galactic team by carrying equipment, clearing runways and towing spacecraft.²

The Range Rover won the 2022 Production Car of the Year Award

In December 2022, the fifth-generation Range Rover won the Car Design Review 9’s Production Car of the Year Design Award. It was also featured in the Car Design Review Book 9. The panel of expert jurors praised the New Range Rover for its reductive design that incorporates a modern luxury aesthetic, with respectful nods to its 50-year lineage. SangYup Lee, Senior Vice President and Head of the Hyundai Global Design Centre, stated that the New Range Rover is ‘simple, bold and the most elegant luxury SUV’.³

Land Rover supports the Australian Red Cross

In late 2022, Land Rover announced it would be extending its partnership with the Australian Red Cross until the end of 2025. In this next phase of the partnership, Land Rover will donate $520,000 to help at-risk Australian individuals and communities. As the CEO of Australian Red Cross Kym Pfitzner explained, this partnership means that ‘Australian communities in need will be better positioned to minimise the impact of, and to recover more quickly after, emergencies’.⁴

What might impact my Land Rover insurance costs?

There are a number of variable factors that might affect the cost of your Land Rover insurance. If you’d like to get the most detailed info about keeping your Land Rover covered, start a quote with us today.

Model of your Land Rover

The model of your Land Rover, as well as the year of its manufacture, can impact the cost of your insurance. If you’ve made any modifications to your vehicle, this could also potentially have an impact.

Level of coverage

Youi offers three levels of coverage, including Comprehensive, Third Party Fire & Theft and Third Party Property Only. Each of these levels is priced differently.

Age and driving experience

Your age, and the length of time you’ve held a drivers licence, can impact the cost of your car insurance. It can also make a difference whether you have made car insurance claims in the past.

Your address

When you start a quote with Youi, we will take your home suburb into consideration. This is because certain suburbs have higher crime rates, while others are particularly susceptible to extreme weather. It can also make a difference whether your Land Rover is kept outside on the street, or inside a locked garage.

Model of your Land Rover

Level of coverage

Youi offers three levels of coverage, including Comprehensive, Third Party Fire & Theft and Third Party Property Only. Each of these levels is priced differently.

Age and driving experience

Your age, and the length of time you’ve held a drivers licence, can impact the cost of your car insurance. It can also make a difference whether you have made car insurance claims in the past.

Your address

FAQs

This is where you’ll find answers to some of the most frequently-asked questions about Land Rover insurance.

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If you choose Youi, the average annual insurance premium for Land Rover is $1,589. Compare this figure with the average annual insurance premium for Toyota, which is about $1,188.

Need more info? Start a quote with us to find out how much it might cost to insure your Land Rover.

How we calculate these numbers

For Youi customers, the Land Rover Discovery has an average annual premium of $1,632 which is around 3% higher compared with all the other Land Rover models we cover. How we calculate these numbers.

How we calculate these numbers

With an average annual insurance premium of $1,009 (for Comprehensive cover with Youi), the Land Rover Discovery 3 is the least expensive model of Land Rover to insure with Youi.

How we calculate these numbers

With Youi, different Land Rover models have different average annual insurance premiums. The year of manufacture is also significant.

If you’d like the most detailed info about keeping your Land Rover covered, start a quote today.

How we calculate these numbers

Yes, the colour of your Land Rover can make a difference to your insurance premium. Because car insurance premiums are calculated based on, among other things, how much it might cost to fix or replace your car, the colour is considered (because certain paints, such as metallic, can cost more than others).

The year that your Land Rover was manufactured can have an impact on your insurance premium, because car insurance costs are calculated based on, among other things, how much it would cost to replace or repair your vehicle. Newer vehicles generally have a higher market value, which is why the model year is an important factor.

If you have questions about classic Land Rover insurance, start a quote to get the most detailed info.

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Guides

Below you’ll find articles which provide additional information about car insurance together with answers to some frequently-asked insurance questions.

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