10 Best Car Insurance Companies for Land Rovers in 2024 (Top Providers Ranked)

Get the best car insurance for Land Rovers from best providers like State Farm, USAA, and Progressive, with rates starting at $85/month.

Insuring one, however, doesn’t have to come at an immense cost if you choose from the best car insurance companies for Land Rovers. These companies offer specialized coverage that can help manage the financial burden of protecting such a valuable vehicle.

The biggest tip to insuring your rover is understanding the coverage you’ll need and gathering quotes based on that information. Land Rover drivers should already expect to pay more to maintain, repair, and insure their vehicles than the average.

If you go in with that mindset, it’s easier to find the avenues by which you can get the most for your dollars spent.

The first step is to find out what sorts of quotes to gather to cover your Land Rover. First, let’s talk about the coverage that’s required, as well as the coverage that you might need even though it isn’t required.

After that, we’ll peek at how much you should expect to be charged for it. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code above to begin.

#1 — State Farm: Top Overall Pick

Pros

• Nationwide Availability: State Farm has an extensive network and offers a 10% bundling discount with a B A.M. Best rating, making it accessible for those searching for the best car insurance companies for Land Rovers.
• High Customer Satisfaction: With a top ranking and a B A.M. Best rating, State Farm is known for its high customer satisfaction and claims processing, making it a strong choice for those looking for the best car insurance companies for Land Rovers.
• Safe Driver Discounts: State Farm offers substantial discounts for safe driving and a 10% bundling discount, appealing to drivers seeking the best car insurance companies for Land Rovers. Read more at “State Farm Insurance Review.”

Cons

• Limited Online Tools: State Farm’s online tools are less advanced compared to some competitors, which may frustrate tech-savvy customers seeking the best car insurance companies for Land Rovers.
• Higher Premiums: Some customers find State Farm’s premiums to be higher than average, especially without discounts, impacting those looking for the best car insurance companies for Land Rovers.

#2 — USAA: Best for Military Benefits

Pros

• Exceptional Customer Service: USAA offers exceptional service with an A++ A.M. Best rating and a 15% bundling discount, making it a top choice for military members seeking the best car insurance companies for Land Rovers.
• Competitive Rates: With highly competitive rates and a 15% bundling discount, USAA provides strong value for military families looking for the best car insurance companies for Land Rovers.
• Comprehensive Coverage: USAA offers a wide range of coverage options, including roadside assistance, reflecting its A++ A.M. Learn more about comprehensive coverage at “USAA Insurance Review.”

Cons

• Military-Only Eligibility: USAA is available only to military members and their families, which limits its accessibility for the general public seeking the best car insurance companies for Land Rovers.
• Limited Physical Locations: Fewer physical branches might be a drawback for those preferring in-person service and searching for the best car insurance companies for Land Rovers.

#3 — Progressive: Best for Customizable Plans

Pros

• Competitive Rates: Progressive’s rates are competitive, and it offers a 12% bundling discount along with an A+ A.M. Best rating, making it a top choice for those seeking the best car insurance companies for Land Rovers.
• Snapshot Program: Progressive’s Snapshot program, combined with its A+ A.M. Best rating, allows drivers to potentially lower their premiums based on driving habits, appealing to those seeking the best car insurance companies for Land Rovers. Discover more at “Progressive Insurance Review.”
• Wide Range of Discounts: With a variety of discounts, including a 12% bundling discount and an A+ A.M. Best rating, Progressive is ideal for those searching for the best car insurance companies for Land Rovers.

Cons

• Mixed Customer Satisfaction: Progressive has received mixed reviews regarding its claims process, which might be a concern for those seeking the best car insurance companies for Land Rovers.
• Rates Can Vary: Progressive’s rates can vary significantly based on individual factors, impacting those looking for the best car insurance companies for Land Rovers.

#4 — Liberty Mutual: Best for Driving Discounts

Pros

• Customizable Policies: Liberty Mutual provides highly customizable policies and a 15% bundling discount. With an A A.M. Best rating, this flexibility is beneficial for those looking for the best car insurance companies for Land Rovers.
• New Car Replacement: Liberty Mutual’s new car replacement coverage and driving discounts reflect its A A.M. Best rating, offering a strong option for those searching for the best car insurance companies for Land Rovers.
• Multi-Policy Discounts: Liberty Mutual provides a 15% discount for bundling auto and home insurance, appealing to those looking for the best car insurance companies for Land Rovers.

Cons

• Expensive Add-Ons: Liberty Mutual’s customization options can lead to higher premiums, particularly for comprehensive coverage, which might be a concern for those seeking the best car insurance companies for Land Rovers. Learn more at “Liberty Mutual Insurance Review.”
• Mixed Customer Service Reviews: Some customers report inconsistent experiences with Liberty Mutual’s customer service, impacting those seeking the best car insurance companies for Land Rovers.

#5 — Nationwide: Best for Accident Forgiveness

Pros

• Vanishing Deductible: Nationwide’s vanishing deductible program, along with its A+ A.M. Best rating and a 17% bundling discount, rewards safe drivers, making it appealing for those seeking the best car insurance companies for Land Rovers.
• On Your Side Review: Nationwide’s monthly insurance review and A+ A.M. Best rating help optimize coverage, ideal for those looking for the best car insurance companies for Land Rovers.
• Multi-Policy Discounts: Customers can save significantly with a 17% discount by bundling multiple policies, which is advantageous for those searching for the best car insurance companies for Land Rovers.

Cons

• Higher Rates: Nationwide’s premiums can be higher than some competitors, particularly for drivers without discounts, which may be a concern for those seeking the best car insurance companies for Land Rovers. Discover more higher rates “Nationwide Reviews.”
• Limited Availability of Discounts: Some discounts are only available in specific states, which could be a drawback for those looking for the best car insurance companies for Land Rovers.

#6 — Allstate: Best for Safe Driving

Pros

• Strong Customer Support: Allstate offers 24/7 customer service and a strong A+ A.M. Best rating, making it easier to handle claims and inquiries at any time. This is particularly beneficial for customers seeking the best car insurance companies for Land Rovers.
• Comprehensive Coverage Options: With a comprehensive range of coverage options and a focus on safe driving, Allstate’s A+ A.M. Best rating reflects its reliability. This is ideal for those looking for the best car insurance companies for Land Rovers.
• Multi-Policy Discounts: Allstate offers an 11% discount for bundling auto and home insurance, which can be a great option for residents searching for the best car insurance companies for Land Rovers.

Cons

• Higher Premiums: Allstate’s premiums can be higher than average, particularly for drivers without discounts. This impacts those looking for the best car insurance companies for Land Rovers. Discover more at “Allstate Reviews.”
• Average Claims Satisfaction: While Allstate has strong coverage options, some customers report slower claims processing. This might concern those seeking the best car insurance companies for Land Rovers.

#7 — Farmers: Best for Bundling Discounts

Pros

• Comprehensive Coverage Options: Farmers offers a wide range of coverage options and a 19% bundling discount, which is beneficial for those seeking the best car insurance companies for Land Rovers.
• Strong Online Tools: With robust online tools for managing policies and claims, Farmers’ A rating and bundling discounts make it convenient for those searching for the best car insurance companies for Land Rovers.
• Accident Forgiveness: Farmers offers accident forgiveness and a 19% bundling discount, which helps prevent rate increases after a first accident, appealing to those looking for the best car insurance companies for Land Rovers. Read more about accident forgiveness at “Farmers Insurance Group Review.”

Cons

• Higher Premiums: Farmers’ premiums are often higher than those of other providers, particularly for comprehensive coverage, which may be a concern for those seeking the best car insurance companies for Land Rovers.
• Limited Availability of Discounts: Farmers’ discounts are not as extensive as those of some competitors, which could be a drawback for those looking for the best car insurance companies for Land Rovers.

#8 — The Hartford: Best for AARP Benefits

Pros

• AARP Discounts: The Hartford offers unique discounts through its AARP partnership and holds an A+ A.M. Best rating, making it an excellent choice for those looking for the best car insurance companies for Land Rovers.
• Lifetime Car Repair Assurance: With a lifetime guarantee on car repairs and an A+ A.M. Best rating, The Hartford offers peace of mind for those seeking the best car insurance companies for Land Rovers.
• Accident Forgiveness: The Hartford’s accident forgiveness program, combined with its A+ A.M. Best rating, is beneficial for long-term customers concerned about premium hikes.

Cons

• Limited Availability: The Hartford is not available in all states, which could be a drawback for some customers, particularly those looking for the best car insurance companies for Land Rovers. Discover more at “The Hartford.”
• Higher Rates for Younger Drivers: The Hartford’s premiums can be higher for younger or inexperienced drivers, impacting those seeking the best car insurance companies for Land Rovers.

#9 — Travelers: Best for Flexible Options

Pros

• Innovative Coverage Options: Travelers offers unique coverage options like pet injury coverage and a 13% bundling discount. With an A++ A.M. Best rating, this is appealing for those seeking the best car insurance companies for Land Rovers.
• Multi-Policy Savings: Travelers provides discounts for bundling auto insurance with home insurance, reflected in its A++ A.M. Read more about multi-policy savings at “Travelers Insurance.”
• Excellent Customer Service: Travelers has high ratings for customer service and offers a 13% bundling discount, reassuring those seeking the best car insurance companies for Land Rovers.

Cons

• Limited Discounts for Safe Drivers: Travelers’ discount options for safe driving are not as extensive as some competitors, which could be a drawback for those seeking the best car insurance companies for Land Rovers.
• Higher Rates for High-Risk Drivers: Travelers may offer higher rates for drivers with a history of accidents or poor credit scores, impacting those looking for the best car insurance companies for Land Rovers.

#10 — American Family: Best for Customer Support

Pros

• Flexible Coverage Options: American Family offers a variety of flexible coverage options and a 20% bundling discount, which is beneficial for those seeking the best car insurance companies for Land Rovers.
• Good Student Discounts: American Family provides discounts for good students and has an A rating, making it a great choice for families with young drivers looking for the best car insurance companies for Land Rovers.
• Excellent Claims Service: Known for efficient claims processing and a 20% bundling discount, American Family’s A rating adds value for those seeking the best car insurance companies for Land Rovers.

Cons

• Limited Availability in Some States: American Family is not available in all states, which may limit options for some drivers seeking the best car insurance companies for Land Rovers. Learn more at “American Family Insurance.”
• Higher Premiums for Comprehensive Coverage: Comprehensive coverage with American Family can be more expensive compared to other providers, which might be a concern for those looking for the best car insurance companies for Land Rovers.

Comparing Different Coverage Options for Your Land Rover

If you drive a Land Rover, you aren’t concerned with merely getting from point A to point B. Instead, you’re set on arriving in an eye-catching style.

Not only can that come at a monetary premium, but it very well may impact the coverage options you need. Let’s go over a few types of car insurance coverage.

Liability coverage

If you think of car insurance as a sandwich, liability may be thought of as the buns. It serves as the basis for all insurance products which follow, so it’s imperative that you not only carry liability – it’s imperative that you carry enough liability.

Every dollar’s worth of damage or injury that you do to another party falls under this coverage and if you don’t carry high enough limits, you can leave yourself open to a lawsuit. Learn more about car insurance requirements.

Collision coverage

Like its sibling above, collision is required if you’re still leasing or financing your Rover. If you aren’t, there’s a good chance you should still carry this coverage. Liability fixes the other party’s vehicle when you’re at fault but collision steps in to replace your vehicle when you’re at fault.

You might think to yourself, “I don’t need this coverage. I’m a great driver!” Sometimes, bad things happen to good drivers. That’s why we call them accidents and not on-purposes. Here’s how to find the best collision coverage car insurance companies.

Underinsured coverage

This is gap insurance’s distant cousin. Drive off the lot in a Range Rover Discovery Sport and it’ll set you back about $3,166.

The problem is most states don’t require that any given driver have $3,166 in liability coverage. (Some states require as low as $1,250 in liability coverage to drive). Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.

 

In such an instance, you may foot the bill to replace your own vehicle that somebody else totaled. It sounds unfair, but it’s the law. And it’s why underinsured coverage hit the market.

Saving Money on Land Rover Car Insurance Rates

How much will your Land Rover insurance cost? Due to your vehicle, you can expect rates to run higher than the average premium in the country, but you didn’t buy a Land Rover expecting anything to be cheap. You bought it because it’s the best, so be equally thorough on the insurance front.

You own a luxury vehicle, but it’s far from the only factor at play in your premium pricing. Your location, credit, insurance history, driving record, and a slew of other factors all fall together to form your rate.

But one of the biggest factors, believe it or not, is your age. Learn more about the average car insurance cost by age.

Remember: quotes are free, options vary from provider to provider, and so do discounts. While you’re snagging quotes, keep these commonplace car insurance discounts in mind:

• Vehicle safety: When quoting your Rover, be sure that you give the provider in question your VIN. Safety features can vary by trim level and inputting a VIN eliminates the chance of a price fluctuation at the end of the process.

• Multi-car: People who own a Land Rover tend to own more than one vehicle. If that’s you, be sure you quote all of them. Insurers love knowing that you rely on them for an entire category and they’re willing to reward you for that trust.

• Multi-line: The same rule applies here. Chances are that if you own a Land Rover, you own your home or condo. Bundling home and auto policies represents a lion’s share discount. Don’t leave those savings on the table.

• Defensive driver training: This discount is nominal for middle-aged drivers with squeaky-clean records, but if your pricing is running a little high, consider signing up for an easy online course. They’re inexpensive and the discounts usually last a few years.

• Usage-based discounts: Usage-based insurance allows your pricing model to directly reflect your driving habits. If you don’t slam those brakes and if you aren’t hitting curves like Mario Andretti, consider opting into one of these programs and taking control of your own price.

Selecting the Best Insurance Company

Price varies, as it should. But let’s be honest – if you were a price-only customer, you’d be driving a Ford Focus and not a Land Rover. Be sure you apply that same scrutiny to your insurance search.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.

Accidents happen. Windshields crack. Tires go flat. Whether it’s for roadside assistance, a fender bender, or worse, who do you want to do business with in the worst of times?

It’s easy to choose a new insurer when everybody’s happy and there’s nothing the matter, but who do you want to talk to on a particularly bad day? Who makes you feel comfortable dialing their number or loading their app?

The best insurer for you may not be the best for someone else because you may go about your business differently. In that way, the best is subjective. The good news is that the market is competitive and it pays to give quality customer service.

There’s peace of mind to be had, especially when you take advantage of available car insurance discounts, and you owe it to yourself to find it.