Land Rover Range Rover vs Lamborghini Urus Insurance Cost

The Land Rover Range Rover is cheaper to insure by about $1,680 a year for full coverage by our estimate ($2,210 vs. $3,890), and cheaper in 51 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	Lamborghini Urus	Difference
State minimum	$525	$580	−$55
Standard (100/300/100)	$765	$845	−$80
Full coverage	$2,210	$3,890	−$1,680

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

Why one costs more to insure

Factor	Land Rover Range Rover	Lamborghini Urus
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel	Gasoline, Plug-in hybrid
HLDI collision (100 = avg)	157	477
HLDI comprehensive	339	577
HLDI property damage liability	84	94
HLDI bodily injury liability	74	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	3

Collision losses are the biggest swing factor: the Lamborghini Urus has 320 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Land Rover Range Rover.

Range Rover vs Urus insurance by state

State	Range Rover	Urus	Difference
Alabama	$2,035	$3,675	−$1,640
Alaska	$1,910	$3,455	−$1,545
Arizona	$2,340	$4,025	−$1,685
Arkansas	$2,175	$3,935	−$1,760
California	$2,085	$3,960	−$1,875
Colorado	$2,845	$4,810	−$1,965
Connecticut	$2,165	$3,785	−$1,620
Delaware	$2,215	$3,720	−$1,505
District of Columbia	$2,760	$5,005	−$2,245
Florida	$2,775	$4,515	−$1,740
Georgia	$2,510	$4,230	−$1,720
Hawaii	$1,485	$2,800	−$1,315
Idaho	$1,535	$2,725	−$1,190
Illinois	$1,970	$3,540	−$1,570
Indiana	$1,635	$2,930	−$1,295
Iowa	$1,840	$3,230	−$1,390
Kansas	$2,115	$3,675	−$1,560
Kentucky	$1,880	$3,240	−$1,360
Louisiana	$3,055	$5,260	−$2,205
Maine	$1,465	$2,660	−$1,195
Maryland	$2,365	$4,155	−$1,790
Massachusetts	$2,100	$3,825	−$1,725
Michigan	$2,400	$4,350	−$1,950
Minnesota	$2,105	$3,650	−$1,545
Mississippi	$2,310	$4,065	−$1,755
Missouri	$2,200	$3,835	−$1,635
Montana	$2,145	$3,730	−$1,585
Nebraska	$2,110	$3,680	−$1,570
Nevada	$2,150	$3,580	−$1,430
New Hampshire	$1,590	$2,915	−$1,325
New Jersey	$2,350	$4,010	−$1,660
New Mexico	$2,090	$3,680	−$1,590
New York	$2,725	$4,645	−$1,920
North Carolina	$1,785	$3,320	−$1,535
North Dakota	$1,790	$3,190	−$1,400
Ohio	$1,645	$2,955	−$1,310
Oklahoma	$2,275	$4,005	−$1,730
Oregon	$1,830	$3,100	−$1,270
Pennsylvania	$2,045	$3,715	−$1,670
Rhode Island	$2,425	$4,230	−$1,805
South Carolina	$2,280	$3,800	−$1,520
South Dakota	$2,320	$3,985	−$1,665
Tennessee	$1,945	$3,530	−$1,585
Texas	$2,875	$5,015	−$2,140
Utah	$1,850	$3,175	−$1,325
Vermont	$1,580	$2,935	−$1,355
Virginia	$1,905	$3,370	−$1,465
Washington	$1,780	$3,075	−$1,295
West Virginia	$2,090	$3,705	−$1,615
Wisconsin	$1,680	$2,955	−$1,275
Wyoming	$2,315	$4,025	−$1,710

By driver profile (full coverage)

Driver	Range Rover	Urus
Teen driver (18, own policy)	$6,080	$10,700
Young adult (22)	$3,540	$6,225
Adult in their 30s	$2,210	$3,890
Adult in their 50s	$2,035	$3,580
Senior (72)	$2,475	$4,360
30s, one at-fault accident	$3,205	$5,640
30s, DUI on record	$4,090	$7,200

More comparisons

Frequently asked questions

Is the Land Rover Range Rover or the Lamborghini Urus cheaper to insure?

By our estimate the Land Rover Range Rover is cheaper, by about $1,680 a year for full coverage ($2,210 vs. $3,890) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Land Rover Range Rover and Lamborghini Urus?

Mostly because of insurance-loss history: HLDI collision indices of 157 vs. 477 and comprehensive indices of 339 vs. 577 (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