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

Top Pick for Land Rover: State Farm

17,759 reviews

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4.1

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Company Facts

Full Coverage for Land Rover

$210/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

17,759 reviews

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Best Military Benefits for Land Rover: USAA

6,435 reviews

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4.7

Company Facts

Full Coverage for Land Rover

$195/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Offers multiple products including financial services and banking
• High customer satisfaction and financial ratings
• Rates are lower than average
• Coverage is available in all 50 states
• Easy-to-use mobile app

• Coverage isn’t available to everyone
• DUIs drastically increase rates
• SafePilot isn’t available in every state
• Customer complaints are higher than competitors

» USAA Car Insurance Review

6,435 reviews

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Best Plans for Land Rover: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage for Land Rover

$225/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,128 reviews

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Find the best car insurance companies for Land Rovers from State Farm, USAA, and Progressive, with rates beginning as low as $85 per month.

State Farm leads in overall value, USAA is ideal for military members, and Progressive shines with customizable coverage.  However, insuring one doesn’t have to be expensive if you choose from the best car insurance companies for Land Rovers.

Our Top 10 Company Picks: Best Car Insurance Companies for Land Rovers

Company	Rank	Bundling Discounts	A.M. Best	Best For	Jump to Pros/Cons
	#1	10%	B	Comprehensive Coverage	State Farm
	#2	15%	A++	Military Benefits	USAA
	#3	12%	A+	Customizable Plans	Progressive
	#4	15%	A	Driving Discounts	Liberty Mutual
	#5	17%	A+	Accident Forgiveness	Nationwide
	#6	11%	A+	Safe Driving	Allstate
	#7	19%	A	Bundling Discounts	Farmers
	#8	9%	A+	AARP Benefits	The Hartford
	#9	13%	A++	Flexible Options	Travelers
	#10	20%	A	Customer Support	American Family

The biggest tip for ensuring your Rover is insured is understanding the coverage you’ll need and gathering quotes based on that information.

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.
• 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. 
• Safe Driver Discounts: State Farm offers substantial discounts for safe driving and a 10% bundling discount, appealing to drivers. 

Cons

• Limited Online Tools: State Farm’s online tools are less advanced than some competitors, which may frustrate tech-savvy customers.
• Higher Premiums: Some customers find State Farm’s premiums to be higher than average, especially without discounts. Read more about premiums at “State Farm Insurance Review.”

#2 — USAA: Best for Military Benefits

Pros

• Exceptional Customer Service: USAA offers outstanding service, an A++ A.M. Best rating, and a 15% bundling discount, making it a top choice for military members.
• Competitive Rates: With highly competitive rates and a 15% bundling discount, USAA provides substantial value for military families.
• Comprehensive Coverage: USAA offers a wide range of coverage options, including roadside assistance, reflecting its A++ A.M. Learn more at “USAA Insurance Review.”

Cons

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

#3 — Progressive: Best for Customizable Plans

Pros

• Competitive Rates: Progressive’s rates are competitive, and it offers a 12% bundling discount and an A+ A.M. Best rating. Visit our article entitled “Progressive Insurance Review.”
• 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. 
• Wide Range of Discounts: Progressive offers a variety of discounts, including a 12% bundling discount and an A+ A.M. Best rating, Making it ideal for car insurance shoppers.

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.
• 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. Read “Liberty Mutual Insurance Review” to gain new insights.
• New Car Replacement: Liberty Mutual’s new car replacement coverage and driving discounts reflect its A A.M. Best rating, offering a solid option.
• 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.
• Mixed Customer Service Reviews: Some customers report inconsistent experiences with Liberty Mutual’s customer service.

#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.
• 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.
• Multi-Policy Discounts: Customers can save significantly with a 17% discount by bundling multiple policies, which is advantageous for those searching.

Cons

• Higher Rates: Nationwide’s premiums can be higher than those of some competitors, particularly for drivers without discounts. Discover more rates at “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

• Robust Customer Support: Allstate offers 24/7 customer service and a robust A+ A.M. Best rating, making it easier to handle claims and inquiries at any time.
• 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.
• Multi-Policy Discounts: Allstate offers an 11% discount for bundling auto and home insurance, which can be an excellent option for residents searching for the best car insurance.

Cons

• Higher Premiums: Allstate’s premiums can be higher than average, particularly for drivers without discounts. Discover more about higher premiums at “Allstate Reviews.”
• Average Claims Satisfaction: While Allstate has robust coverage options, some customers report slower claims processing.

#7 — Farmers: Best for Bundling Discounts

Pros

• Comprehensive Coverage Options: Farmers offers a wide range of coverage options and a 19% bundling discount. Read more about coverages at “Farmers Insurance Group Review.”
• Vital Online Tools: With robust online tools for managing policies and claims, Farmers’ A rating and bundling discounts.
• Accident Forgiveness: Farmers offers accident forgiveness and a 19% bundling discount, which helps prevent rate increases after a first accident.

Cons

• Higher Premiums: Farmers’ premiums are often higher than those of other providers, particularly for comprehensive coverage.
• 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.

#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. Discover more about AARP discounts at “The Hartford Reviews.”
• Lifetime Car Repair Assurance: The Hartford offers peace of mind with a lifetime guarantee on car repairs and an A+ A.M. Best rating.
• 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.
• Higher Rates for Younger Drivers: The Hartford’s premiums can be higher for younger or inexperienced drivers.

#9 — Travelers: Best for Flexible Options

Pros

• Innovative Coverage Options: Travelers offers unique coverage options like pet injury coverage and a 13% bundling discount.
• Multi-Policy Savings: Travelers provides discounts for bundling auto insurance with home insurance. Delve deep into our article “Travelers Insurance” to know more.
• Excellent Customer Service: Travelers has high ratings for customer service and offers a 13% bundling discount, reassuring those seeking the best car insurance.

Cons

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

#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. Learn more about flexible coverage at “American Family Insurance.”
• Good Student Discounts: American Family provides discounts for good students and has an A rating, making it an excellent choice for families with young drivers.
• 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.

Cons

• Limited Availability in Some States: American Family is not available in all states, which may limit options for some drivers seeking car insurance for Land Rovers. 
• Higher Premiums for Comprehensive Coverage: Comprehensive coverage with American Family can be more expensive compared to other providers.

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 may also 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 that follow, so it’s imperative that you not only carry liability – it’s essential that you have enough liability.

Land Rover Car Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$115	$240
	$97	$215
	$110	$230
	$113	$235
	$100	$220
	$105	$225
	$95	$210
	$90	$215
	$100	$228
	$85	$195

Every dollar’s worth of damage or injury you cause to another party falls under this coverage, and if you don’t carry high enough limits, you can be sued. 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.

Land Rovers Car Insurance Discounts by Provider

Insurance Company	Available Discounts
	Safe Driving, Multi-Policy, Anti-Theft, Good Student, New Car
	Safe Driving, Multi-Policy, Vehicle Safety Features, Bundling, Good Student
	Safe Driving, Multi-Policy, Anti-Theft, Good Student, Homeowner
	Safe Driving, Multi-Policy, New Car, Anti-Theft, Good Student
	Safe Driving, Multi-Policy, Anti-Theft, New Car, Good Student
	Safe Driving, Multi-Policy, Snapshot, Anti-Theft, Bundling
	Safe Driving, Multi-Policy, Vehicle Safety Features, Good Student, Anti-Theft
	Safe Driving, Multi-Policy, Anti-Theft, Bundling, New Car
	Safe Driving, Multi-Policy, Anti-Theft, New Car, Good Student
	Safe Driving, Multi-Policy, Anti-Theft, Vehicle Safety Features, Good Student

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. Read here to find the best collision coverage car insurance companies.

Underinsured coverage

This is Gap Insurance’s distant cousin. To drive off the lot in a Range Rover Discovery Sport, you’ll need to spend 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 in your premium pricing. Your location, credit, insurance history, driving record, and a slew of other factors all contribute to your rate.

But one of the most significant 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 discounts are also available. While you’re snagging quotes, keep these commonplace car insurance discounts in mind:

• Vehicle Safety: When quoting your Rover, be sure to give the provider 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 hit curves like Mario Andretti, consider opting into one of these programs and taking control of your own price.

Overall, taking advantage of these discounts can significantly reduce your insurance costs and make your policy more affordable. Whether it’s a multi-vehicle discount, good student savings, or usage-based insurance, these opportunities can lead to substantial long-term savings.

By staying informed about the discounts you’re eligible for, you can optimize your coverage while keeping expenses low.

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. Use our free quote tool below to enter your ZIP code and find the best policy for you.

Accidents happen. Windshields crack. The 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 nothing matters, 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 provide 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.