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2021 Land Rover Road Rover car insurance rates

This all-electric SUV is the first from Land Rover and comes with typical high insurance rates.

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Land Rover is entering the electric vehicle market with the Road Rover, an electric luxury SUV. It’s the British carmaker’s first all-electric vehicle and is reported to cost around $120,000.

The Land Rover Road Rover is an electric SUV that’s as expensive to insure as a luxury vehicle. The average insurance cost for a Road Rover is expected to be around $225 a month, or $2,700 a year. With a base price of nearly $120,000, the annual insurance cost-to-base ratio is 2%, well below the national average of 4%.

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How do I compare insurance for the Road Rover?

Insurance on electric vehicles is more expensive than gas-powered ones because EVs cost more money and are more expensive to repair, among other factors.

  • Body type. The Road Rover is a medium-size luxury SUV. Larger SUVs have slightly higher insurance rates than compact ones, though still not as high as rates for pickup trucks.
  • Fuel. With an expected range of nearly 300 miles, the Road Rover will have a solid range to stand up to your daily commute plus some. While you’ll save money on gas it may not fully counter the insurance cost because electric parts are more expensive to repair if they break down.
  • Theft rates. Land Rovers are one of the most commonly stolen vehicles in the US, which will have an impact on the Road Rovers rates. Expect this to be partially offset since its an electric vehicle, which typically net lower theft rates.
  • Maintenance. Land Rover vehicles are expensive to maintain, with average annual costs between $1,000 and $4,000, depending on the vehicle. This will affect the Road Rover’s insurance rates since both repairs and parts cost more. Electric vehicles tend to cost more per visit, though the frequency of repairs is usually less.
  • Coverage. With a reported cost of over $100,000 for the Road Rover, you’ll likely want high liability limits and both comprehensive and collision coverage to protect your investment. You could also consider raising your uninsured motorist limits to at least $100,000.
  • Warranty. All new Land Rover vehicles are covered for four years or 50,000 miles. This includes unlimited roadside assistance, which allows you to skip that coverage on your insurance policy. It’s unknown at the time of writing if there will be a separate warranty for the battery.
  • Manufacturer offer. Land Rover usually releases various financing offers on its new vehicles, so be sure to check with your local dealership to find one for you.

Does the Land Rover Road Rover qualify for discounts?

The Road Rover should qualify for various vehicle discounts on your insurance policy, though the exact ones will depend on your model and your insurance company.

  • Electric vehicle discount
  • Active restraint discount
  • Passive restraint discount
  • Antilock brake discount
  • Airbag discount
  • Antitheft discount
  • Seatbelt pretensioners

How reliable is the Land Rover Road Rover?

Official ratings on the Road Rover won’t be available until after it’s on the market, but you can reasonably expect it to be comparable to Range Rover ratings.

  • Safety. Land Rovers haven’t been officially rated by either the Insurance Institute for Highway Safety (IIHS) or the National Highway Traffic & Safety Administration (NHTSA). It’s yet to be seen what specific safety features the Road Rover will employ.
  • Reliability. Land Rovers aren’t known for their reliability — and its high-cost, high-upkeep nature plays a role in the vehicle’s insurance rates. Official reliability ratings haven’t been released by J.D. Power and likely won’t for the Road Rover either.
  • Recalls. Land Rover has experienced some recalls in the past, though recalls don’t normally impact a vehicle’s insurance rates. Since the Road Rover is Land Rover’s first electric vehicle, there could be a greater chance of a recall on your vehicle.

Bottom line

The Land Rover Road Rover is an all-electric luxury SUV that’s reasonably affordable to insure, considering it’s a luxury vehicle. Safety ratings and reliability tests aren’t available at the time of writing, but the Road Rover might not be tested for these since it’s a luxury vehicle.

To find the best insurance option for your Road Rover, be sure to compare different insurance companies and discounts.

Frequently asked questions about the Land Rover Road Rover

How does Land Rover’s high maintenance costs affect its insurance rates?
Expensive parts and frequent maintenance make insurance companies spend more money to fix vehicles, which the companies then try to recoup by hiking their rates.

Why aren’t luxury SUVs like the Road Rover officially rated by the IIHS and NHTSA?
The IIHS and NHTSA perform tests on vehicles expected to be sold at a high volume. Luxury vehicles — by the nature of their high cost — are bought with less frequency than standard vehicles and lack enough sales volume to be tested.

Is the Road Rover going to be the only electric vehicle released by Land Rover?
No, the Road Rover is just the first release of a complete all-electric lineup from Land Rover.

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