Land Rover Defender insurance group
Compare car insurance costs for your Land Rover Defender based on your age and location.
The Land Rover Defender is arguably one of the most iconic SUVs of all time. In this guide, we explore the potential costs involved to insure this vehicle based on the specific model version and factors related to the driver.
Why choose a Land Rover Defender?
This refined vehicle drives incredibly well, especially off-road.
What insurance group does the Land Rover Defender fall under?
Every car on the road is assigned an insurance group that helps insurance companies determine a suitable price to charge for cover. These groups range from 1 (cheapest) to 50 (most expensive). A Land Rover Defender can be found in insurance groups ranging from 31 to 44, depending on its model and trim.
The costs may vary slightly depending on what group your chosen model of Land Rover Defender appears in. As an example, a 30-year-old driver in an average postcode could pay around £903 for cover on a Land Rover Defender 110 Front Jump Seat D200 AWD auto 5d that is in insurance group 31 or around £1,062 for a Land Rover Defender 110 HSE P300 AWD auto 5d that is in insurance group 42. In this example, there is a £159 difference between the 2 Land Rover Defender vehicles in different insurance groups.
Land Rover Defender insurance cost by location
The table above shows the average cost of Land Rover Defender insurance based on insurance groups and driver age. But these aren’t the only factors that determine the cost of your car insurance. There are many more, and one of the biggest is your home address.
To illustrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Land Rover Defender 110 HSE D240 AWD auto 5d.
- Expensive: £1,168 (London SE1)
- Average: £967 (Newcastle NE1)
- Cheap: £730 (Galashiels TD1)
Which factors affect my Land Rover Defender insurance rate?
Here are some more key factors that have a significant impact on your insurance premium costs:
- Engine type and capacity. In general, vehicles with larger engines cost more to insure. As an example, it may cost £1,050 for insurance for a Land Rover Defender 110 Third row seats D200 AWD auto 5d, while the bigger engined Land Rover Defender 110 S Third row seats P300 AWD auto 5d may cost £1,168 to insure. In this case, the driver with the bigger engine will pay £118 more per year to insure their Land Rover Defender.
- Driver location. Insurers will use previous claims data to consider the likelihood of a motorist in your neighbourhood making a claim, and shift your premium accordingly. An average 30-year-old in central London may pay £1,243 for insurance for a Land Rover Defender 110 HSE Third row seats P300 AWD auto 5d, while the same 30-year-old in Newcastle may only pay £1,062. This difference occurs because motorists in London are statistically more likely to claim on their car insurance than those in Newcastle.
- Driver age. The youngest drivers represent the biggest risk to insurers. That’s why they’re likely to pay a lot more for car insurance. The average 20-year-old driver in London may pay £2,077 for the Land Rover Defender 110 SE P300 AWD auto 5d, while the average 40-year-old Londoner will only pay £1,088. In this example, the 20-year-old driver would have to pay almost double to insure their vehicle.
Other factors that influence the cost of your insurance include:
- Your vehicle’s security and anti-theft features
- Your vehicle’s official safety rating
- Your annual mileage
- Your job title
- Your credit history
- The model of your vehicle
- The age of your vehicle
- Your no-claim discount
How can I save on my Land Rover Defender premium?
When hunting for car insurance, you’ll want to find the best deal for a price that’s within your budget. Here are some ideas to lower the cost of your premium.
- Limit your car usage (where possible). If you can reduce your annual mileage, you’ll be deemed as less of a risk of making a claim, and your premium may drop.
- Pay annually rather than monthly. Some car insurance companies charge interest if you decide to pay monthly. You can save money with these companies by paying in one annual lump sum instead.
- Install extra safety precautions. The safer you can make your vehicle, the less of a risk it is for insurers. That’s why you’re quite likely to lower your premium by adding extra safety measures.
- Don’t just accept your renewal quote. You’ll usually find a better deal by switching to a competitor. This is because insurance companies save their best deals for new customers.
Frequently asked questions
More guides on Finder
Admiral car insurance review
Compare and review all the policies on offer from Admiral car insurance and see if it provides cover that suits you.
How we score car insurance
How we rate car insurance and find our top picks. Our detailed methodology for policy analysis and customer satisfaction.
Methodology for insurance and breakdown cover ratings
You’ll find customer satisfaction star ratings on some of our insurance companies reviews. Here’s how we came up with them.
Pay as you go car insurance
If you only drive occasionally but want ongoing cover, pay-as-you-go car insurance is worth considering. Find out how it works and compare your options.
Tyre and alloy wheel insurance comparison
Find out whether you need a specialist tyre and wheel insurance policy and what it will cover.
Car insurance for used cars
Do you own a used car? Read our guide to find out what type of policy you’ll need and compare deals now.
How to save by adding kids to parent’s car insurance
Learn more about how parents’ can save their children money on car insurance by putting them as a named driver.
Temporary car insurance for students
Are you a student looking for cheap car insurance? Read our guide and learn how temporary car insurance could help save you money.
Car insurance exclusions
Find out what car insurance won’t cover so you can avoid any nasty surprises at claim time.
Get agreed value car insurance quotes online
Find out how agreed value car insurance works and if it’s the right option for you.