Land Rover Defender insurance group

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 £934 for cover on a Land Rover Defender 110 Front Jump Seat D200 AWD auto 5d that is in insurance group 31 or around £2,182 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.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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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: £9,983 (London SE1)
• Average: £2,478 (Newcastle NE1)
• Cheap: £1,354 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

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 £2,179 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 £9,983 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 £9,638 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 £2,182. 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 £28,609 for the Land Rover Defender 110 SE P300 AWD auto 5d, while the average 40-year-old Londoner will only pay £3,088. 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

• What is the top speed of a Land Rover Defender?

  Depending on the model version, you can expect a Land Rover Defender to reach a top speed of 130 mph.

• Is the Land Rover Defender safe?

  This vehicle never went through official crash safety tests with Euro NCAP. What’s more, older versions of the vehicle were never fitted with seatbelt pretensioners or airbags as standard. Newer editions of this vehicle have a few safety features, such as traction and electronic stability control, added as standard. Still, there are safer vehicles out there.

• How much car tax do I have to pay for the Land rover defender?

  The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Land Rover Defender?

  You can buy a Land Rover Defender from dealerships, online sellers or current owners across the UK.

• Is the Land Rover Defender any good?

  This vehicle has won several awards and earned heaps of praise from reviewers throughout the years. It provides everything you’d expect from a luxury SUV and more.

• Where can I find Land Rover Defender car insurance?

  You can compare the costs of Land Rover Defender insurance using and price comparison website.

• Is a Land Rover Defender expensive to insure?

  The Land Rover Defender appears in insurance groups ranging from 31 to 44, so you can expect it to cost more than the average vehicle to insure.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise

Danny has written 350 Finder guides across topics including:

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