BMW X5 vs Land Rover Defender Insurance Cost
The BMW X5 is cheaper to insure by about $125 a year for full coverage by our estimate ($1,690 vs. $1,815), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | BMW X5 | Land Rover Defender | Difference |
|---|---|---|---|
| State minimum | $545 | $565 | −$20 |
| Standard (100/300/100) | $790 | $820 | −$30 |
| Full coverage | $1,690 | $1,815 | −$125 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X5 minus Defender.
Why one costs more to insure
| Factor | BMW X5 | Land Rover Defender |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Diesel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 120 | 126 |
| HLDI comprehensive | 142 | 176 |
| HLDI property damage liability | 86 | 109 |
| HLDI bodily injury liability | 81 | 70 |
| NHTSA overall rating | 4★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 7 | 3 |
Collision losses are the biggest swing factor: the Land Rover Defender has 6 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW X5.
X5 vs Defender insurance by state
By driver profile (full coverage)
| Driver | X5 | Defender |
|---|---|---|
| Teen driver (18, own policy) | $4,650 | $4,990 |
| Young adult (22) | $2,705 | $2,905 |
| Adult in their 30s | $1,690 | $1,815 |
| Adult in their 50s | $1,555 | $1,670 |
| Senior (72) | $1,895 | $2,035 |
| 30s, one at-fault accident | $2,450 | $2,630 |
| 30s, DUI on record | $3,130 | $3,360 |
More comparisons
Frequently asked questions
Is the BMW X5 or the Land Rover Defender cheaper to insure?
By our estimate the BMW X5 is cheaper, by about $125 a year for full coverage ($1,690 vs. $1,815) for a driver in their 30s with a clean record.
Why does insurance cost differ between the BMW X5 and Land Rover Defender?
Mostly because of insurance-loss history: HLDI collision indices of 120 vs. 126 and comprehensive indices of 142 vs. 176 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.