Land Rover Range Rover vs BMW X6 Insurance Cost

The Land Rover Range Rover is cheaper to insure by about $95 a year for full coverage by our estimate ($2,210 vs. $2,305), and cheaper in 35 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Land Rover Range Rover	BMW X6	Difference
State minimum	$525	$680	−$155
Standard (100/300/100)	$765	$985	−$220
Full coverage	$2,210	$2,305	−$95

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Range Rover minus X6.

Why one costs more to insure

Factor	Land Rover Range Rover	BMW X6
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel	Gasoline, Hybrid
HLDI collision (100 = avg)	157	198
HLDI comprehensive	339	195
HLDI property damage liability	84	124
HLDI bodily injury liability	74	117
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	6

Collision losses are the biggest swing factor: the BMW X6 has 41 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW X6.

Range Rover vs X6 insurance by state

State	Range Rover	X6	Difference
Alabama	$2,035	$2,070	−$35
Alaska	$1,910	$2,035	−$125
Arizona	$2,340	$2,395	−$55
Arkansas	$2,175	$2,140	+$35
California	$2,085	$2,310	−$225
Colorado	$2,845	$2,680	+$165
Connecticut	$2,165	$2,370	−$205
Delaware	$2,215	$2,425	−$210
District of Columbia	$2,760	$2,935	−$175
Florida	$2,775	$3,045	−$270
Georgia	$2,510	$2,715	−$205
Hawaii	$1,485	$1,625	−$140
Idaho	$1,535	$1,580	−$45
Illinois	$1,970	$2,035	−$65
Indiana	$1,635	$1,675	−$40
Iowa	$1,840	$1,685	+$155
Kansas	$2,115	$1,955	+$160
Kentucky	$1,880	$1,925	−$45
Louisiana	$3,055	$3,150	−$95
Maine	$1,465	$1,510	−$45
Maryland	$2,365	$2,540	−$175
Massachusetts	$2,100	$2,270	−$170
Michigan	$2,400	$2,540	−$140
Minnesota	$2,105	$2,000	+$105
Mississippi	$2,310	$2,270	+$40
Missouri	$2,200	$2,150	+$50
Montana	$2,145	$1,965	+$180
Nebraska	$2,110	$1,955	+$155
Nevada	$2,150	$2,445	−$295
New Hampshire	$1,590	$1,680	−$90
New Jersey	$2,350	$2,625	−$275
New Mexico	$2,090	$2,105	−$15
New York	$2,725	$2,960	−$235
North Carolina	$1,785	$1,815	−$30
North Dakota	$1,790	$1,620	+$170
Ohio	$1,645	$1,685	−$40
Oklahoma	$2,275	$2,175	+$100
Oregon	$1,830	$1,975	−$145
Pennsylvania	$2,045	$2,085	−$40
Rhode Island	$2,425	$2,680	−$255
South Carolina	$2,280	$2,370	−$90
South Dakota	$2,320	$1,960	+$360
Tennessee	$1,945	$1,980	−$35
Texas	$2,875	$2,810	+$65
Utah	$1,850	$2,010	−$160
Vermont	$1,580	$1,590	−$10
Virginia	$1,905	$1,985	−$80
Washington	$1,780	$1,935	−$155
West Virginia	$2,090	$2,020	+$70
Wisconsin	$1,680	$1,635	+$45
Wyoming	$2,315	$2,000	+$315

By driver profile (full coverage)

Driver	Range Rover	X6
Teen driver (18, own policy)	$6,080	$6,335
Young adult (22)	$3,540	$3,685
Adult in their 30s	$2,210	$2,305
Adult in their 50s	$2,035	$2,120
Senior (72)	$2,475	$2,580
30s, one at-fault accident	$3,205	$3,340
30s, DUI on record	$4,090	$4,260

More comparisons

Frequently asked questions

Is the Land Rover Range Rover or the BMW X6 cheaper to insure?

By our estimate the Land Rover Range Rover is cheaper, by about $95 a year for full coverage ($2,210 vs. $2,305) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Land Rover Range Rover and BMW X6?

Mostly because of insurance-loss history: HLDI collision indices of 157 vs. 198 and comprehensive indices of 339 vs. 195 (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.

Sources used on this page