Land Rover Car Insurance Cost, Quotes and Rates in Canada

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Things to Know About Insuring Land Rover Vehicles

Summary

  • The original Land Rover was heavily influenced by the American Jeep and originally built upon Jeep chassis.
  • Early models came only in shades of green, using up surplus aircraft paint from WWII.
  • Land Rover models protect driver and passengers well.
  • Collision repair claims for Land Rovers are higher than national averages.
  • Comprehensive claims for Land Rovers are much higher than national averages.

While insuring any vehicle is simple in Ontario, finding the lowest cost for that insurance takes more work. Every insurance company has a unique way of underwriting policies, so no two companies likely have exactly the same cost for a motorist’s needs. Ratelab helps you sift through the crowded market with its car insurance calculator, a tool that assists you with the comparison shopping necessary to obtain the best rate on coverage that’s right for you. Enter your home postal code above and complete the forms on the following pages. In less than 15 minutes, you’ll have as many as 10 estimates from Ratelab’s insurance industry partners including the best prices on insurance matching your needs. Give it a try now. You could save hundreds.

How Much Does Car Insurance Cost For Land Rover

The table below shows Land Rover car insurance cost for a sample driver.

CityAverage Land Rover Car Insurance Cost*
Quebec City$571
Gatineau$779
Ottawa$853
Longueuil$953
Kitchener$963
Halifax$1,015
Montreal$1,049
London$1,096
Windsor$1,099
Hamilton$1,127
Laval$1,155
Calgary$1,195
Richmond Hill$1,228
Markham$1,228
Toronto$1,264
Edmonton$1,292
Mississauga$1,424
Brampton$1,611
Vaughan$1,708

Methodology: We surveyed Land Rover car insurance prices in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Land Rover DISCOVERY SPORT HSE 4DR 4WD  2015 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, enter your postal code above.

List of All Land Rover Models

Land Rover LR2
Land Rover LR3
Land Rover LR4
Land Rover Range Rover
Land Rover Range Rover Evoque
Land Rover Range Rover Sport

Land Rover Model Factors that Lower Auto Insurance Costs

Land Rover’s lineup of SUVs and crossovers belong to a vehicle class that’s traditionally insurance friendly. Given that families find these models practical alternatives to the more typically suburban minivan, it’s natural that higher income earners within the family demographic look to the premium Land Rover brand. Of the models in the company’s 2016 lineup, the lowest base cost exceeds $40,000 while the highest, for the Range Rover, nearly tops $110,000. These are luxury SUVs and crossovers, to be sure.

It’s typical that the materials and construction techniques used in luxury car manufacture lead to substantial vehicles that protect both driver and passengers well in the case of an accident. In addition, with budget concerns taking a back seat, leading-edge safety systems frequently feature. Both these factors are true for Land Rover models.

Insurance companies rely heavily on statistical data to determine risks for individual car models. The Insurance Bureau of Canada collects data based on actual insurance claims in Canada and sorts these in a variety of ways. Using this data, insurers have a factual basis upon which to calculate how models perform in real world situations. When it comes to occupant protection, the IBC rates the frequency of accident benefits claims and each model compares to the national average. Good performance shows through fewer than average claims, meaning fewer personal injuries resulting from accidents.

Land Rover vehicles show a consistently better than average level of accident benefits claims. Occupants of their vehicles are less likely to be injured in an accident, or Land Rover vehicles as a group are less likely involved in accidents. Either condition means that accident benefit claims performance presents a strong factor that reduces car insurance costs, particularly on the basic statutory car insurance required by the province.

Land Rover Model Factors that Increase Auto Insurance Costs

The good news on accident performance comes at a cost. When Land Rover models require repairs after an accident, those repairs will cost more than average. The IBC reports collision claims as a relative index of all claims. The median is 100 percent, representing the average collision repair cost. Each vehicle is then compared to that mid-point. Cars that cost less that 100 percent generally cost less to cover with collision insurance, while those above 100 percent cost more. The range from 80 to 120 reports as average in the IBC data. Above and below are negative and positive performance respectively.

Luxury cars usually have higher repair costs, since premium components and the relative rarity of models mean that both parts and repair techniques are more expensive. Land Rover vehicles typically follow this pattern. In the most recent IBC data, only 2005, 2006 and 2008 models of the LR3 fall into the average range for collision claims costs. All other models and years place in the highest cost category. The 2013 Range Rover Sport tops the scales at 251 percent of average collision claim.

Comprehensive insurance coverage measures the same way in IBC data. The 2012 LR2 and 2008 LR3 models place in the average range for comprehensive claims. Otherwise, Land Rover models included in the IBC data cost more to settle. In some cases, these cost much more, such as the Range Rover Sport from 2006, at 586 percent of average, or the Range Rover four door from 2006 at 424 percent. Note that only a few Land Rover models appear in the IBC data, since there must be at least 1,500 insured vehicles before a model enters the statistics.

Range Rover Crash Test

Known Issues with Land Rover Vehicles

braking system

The Takata airbag recall, the most extensive automotive recall in history, affects Land Rover, as it does virtually every car manufacturer. For recall information covering North American vehicles, the SaferCar.gov site provides recall lookups by VIN number.

  • Land Rover Discovery Sports models from 2015 and 2016 have a license plate illumination lamp that can fall out. There are nearly 15,000 vehicles in this recall.
  • A rear brake caliper issue affects the 2012 Land Rover LR2.
  • 2015 Land Rover LR4 models have an ABS braking system issue.
  • Land Rover LR4, Range Rover, and Range Rover Sports models have a wheel detachment issue. However, it affects only 28 vehicles.
  • 2014 Range Rover and Range Rover Sports models have a tire pressure monitoring system problem.
  • 2015 Range Rover and Range Rover Sports models have a second-row seat latch issue.

Edmunds.com hosts a comprehensive list of Land Rover recalls.

Tips for Finding the Lowest Land Rover Car Insurance Rates

While occupant protection produces a favourable insurance risk rating for Land Rover models, high collision and comprehensive repair costs push those parts of the policy up.

In Ontario, collision and comprehensive coverage aren’t required to legally operate a vehicle. While it probably doesn’t make sense to leave a $100,000 vehicle without this coverage, it doesn’t affect the driveability of a car from an insurance standpoint.

There are other ways to moderate the costs of these endorsements, and thus the total cost of your insurance policy. The most common way is through adjustments to the deductible amount. In a collision or comprehensive claim, there’s often an amount that the insured driver contributes to repairs or replacement before the insurer kicks in. For a driver who can afford a higher contribution after an unexpected incident, high deductibles keep monthly insurance costs down. Conversely, a motorist who wants the insurance company to take care of more of the costs can lower deductibles. This increases the monthly or annual premium for the policy. It’s a way to personalize and fine-tune coverage to match the owner and vehicle.

Comparison shopping locates the lowest rates for your Land Rover, no matter what deductible strategy you use. Don’t hesitate to use Ratelab’s car insurance calculator to compare coverage options. The service is free of cost and obligation.

References

  1. Land Rover Canada
  2. Insurance Bureau of Canada: How Cars Measure Up
  3. com: Land Rover Recalls
  4. Takata Recall Information
  5. Land Rover History

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