LAND ROVER DEFENDER Car Insurance

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The Land Rover Defender is a rugged off-road SUV blending British heritage with modern technology. Built for adventure as much as city driving, it appeals to drivers seeking character, off-road capability, and a premium position in the SUV segment.

LAND ROVER DEFENDER CAR INSURANCE RATES SINCE 2022.

Between 2021 and 2026, premiums for the Land Rover Defender fluctuate significantly, rising from $1259 to a peak of $3041 in 2025 before easing to $2568 in 2026. This volatility reflects rising parts and repair costs typical of premium vehicles.

To find the best insurance for your LAND ROVER DEFENDER vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your LAND ROVER DEFENDER

How much does insurance for your LAND ROVER DEFENDER cost in Quebec?

Premiums are highest in Montreal ($4282) and Laval ($3476), while Lévis ($1600) shows the lowest amount. Quebec City ($2771), Sherbrooke ($2458), and Terrebonne ($2052) fall in a mid-range bracket.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

LAND ROVER DEFENDER average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year	Average premium
LAND ROVER DEFENDER 2020	$1888.75

Frequently asked questions (FAQ)

How much does insurance cost for a Land Rover Defender?

The average premium reached $3041 in 2025, then $2568 in 2026, based on available data. This elevated cost reflects the vehicle's premium positioning and repair costs.

Why did the Defender's premium vary so much between 2021 and 2026?

The premium rose from $1259 in 2021 to a peak of $3041 in 2025 before dropping to $2568 in 2026, a swing tied to parts costs and shifts in the model's risk profile.

Which city offers the lowest insurance cost for a Defender?

Based on the data provided, Lévis ($1600) shows the lowest average premium, far below Montreal ($4282), which is the highest.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.

Why is the Defender more expensive to insure than an ordinary SUV?

Its high replacement value, specialized parts costs, and premium classification explain premiums that often exceed those of mainstream SUVs.

How can I reduce insurance costs for a Land Rover Defender?

Comparing quotes across insurers, especially between cities like Lévis ($1600) and Montreal ($4282), often reveals significant differences for the same driver profile.

Offers received by our customers on LAND ROVER DEFENDER cars

LAND ROVER DEFENDER 2020

A Woman from Montréal

$4326 /year

Premium computed in August 2021

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 08/14/2026

Versions covered by this LAND ROVER DEFENDER page

The premiums above cover every version of the LAND ROVER DEFENDER, so that each average rests on enough quotes. Here are the versions this page includes.

Version	Model years
DEFENDER FIRST EDITION P400 4DR AWD	2020
DEFENDER HSE P400 4DR AWD	2020
DEFENDER S P300 4DR AWD	2020
DEFENDER SE P400 4DR AWD	2020
DEFENDER X P400 4DR AWD	2020

Model version by year

LAND ROVER DEFENDER 2020

Explore other car insurance premiums

LAND ROVER DEFENDER by city

Other Land Rover models

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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