Key Facts About Insuring a Land Rover in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Land Rover drivers in Ontario in 2026.
| Average Land Rover insurance premium (Ontario): | $3,126 |
| Cheapest Land Rover model to insure: | Discovery ($2,626) |
| Most expensive Land Rover model to insure: | Defender ($3,501) |
| Cheaper alternatives to Land Rover for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Land Rover collision rate in Ontario: | 8.4% of Land Rover drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Land Rover in Ontario?
Your postal code is one of the biggest factors in a Land Rover premium. In congested, high-theft areas like Scarborough, Land Rover drivers pay far more than the $3,126 provincial average, whereas quieter centres such as Sudbury see noticeably lower rates.
The table below estimates the average annual Land Rover premium in major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $5,090 |
| Scarborough, ON | $4,468 |
| Vaughan, ON | $3,966 |
| Mississauga, ON | $3,657 |
| Markham, ON | $3,466 |
| Toronto, ON | $3,443 |
| Barrie, ON | $3,105 |
| Oshawa, ON | $3,103 |
| London, ON | $2,987 |
| Windsor, ON | $2,983 |
| Thunder Bay, ON | $2,980 |
| Hamilton, ON | $2,741 |
| Sudbury, ON | $2,701 |
| Kitchener, ON | $2,654 |
| Kingston, ON | $2,549 |
| Ottawa, ON | $2,464 |
How Land Rover Car Insurance Costs Compare to Similar Vehicle Brands
Insurance cost is often a deciding factor when shopping across brands. Our internal Ontario quote data places Land Rover in a premium price band: it typically costs more to insure than Mercedes, Tesla, Alfa Romeo, yet less than Porsche, Maserati, Aston Martin.
Here’s how the average annual Ontario premiums stack up:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Mercedes | $2,481 |
| Tesla | $2,520 |
| Alfa Romeo | $2,712 |
| Land Rover | $3,126 |
| Porsche | $3,809 |
| Maserati | $4,028 |
| Aston Martin | $5,123 |
Land Rover Car Insurance Rates Through The Years
Over the past six years, average insurance premiums for this vehicle in Ontario have increased by approximately 28%, rising from $2,436 in 2020 to $3,126 in 2026. Premiums generally trended upward throughout the period, although drivers experienced a brief decline in costs in 2023.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $2,436 | — |
| 2021 | $2,545 | +4.5% |
| 2022 | $2,724 | +7.0% |
| 2023 | $2,680 | -1.6% |
| 2024 | $2,890 | +7.8% |
| 2025 | $3,107 | +7.5% |
| 2026 | $3,126 | +0.6% |
Land Rover Car Insurance Rates by Model & Year Make
Not every Land Rover costs the same to insure. In our Ontario data the Discovery is the most affordable to cover, while the Defender carries the highest premium, reflecting differences in value, repair cost and theft risk.
Here are average annual Ontario premiums by Land Rover model:
| Model | Average Annual Insurance Premium |
|---|---|
| Discovery | $2,626 |
| Evoque | $2,688 |
| Range Rover Sport | $3,251 |
| Range Rover | $3,439 |
| Defender | $3,501 |
Land Rover Insurance FAQs
Are modern Land Rovers prone to rolling over?
Modern Land Rovers do not have the same problem with rolling over that older Jeep-type vehicles had. However, all SUV-type vehicles have a high center of gravity, so there is a higher risk of roll-overs when compared to such things as sedans.
Which Land Rover model is the cheapest to insure?
Based on our internal data, the Discover model is the cheapest vehicle you can insure in Ontario from the Land Rover collection.