Land Rover Range Rover vs Mercedes-Benz G-Class Insurance Cost

The Land Rover Range Rover is cheaper to insure by about $350 a year for full coverage by our estimate ($2,210 vs. $2,560), 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	Mercedes-Benz G-Class	Difference
State minimum	$525	$550	−$25
Standard (100/300/100)	$765	$800	−$35
Full coverage	$2,210	$2,560	−$350

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

Why one costs more to insure

Factor	Land Rover Range Rover	Mercedes-Benz G-Class
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel	Gasoline, Hybrid, Electric
HLDI collision (100 = avg)	157	184
HLDI comprehensive	339	439
HLDI property damage liability	84	86
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 Mercedes-Benz G-Class has 27 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 G-Class insurance by state

State	Range Rover	G-Class	Difference
Alabama	$2,035	$2,375	−$340
Alaska	$1,910	$2,200	−$290
Arizona	$2,340	$2,715	−$375
Arkansas	$2,175	$2,555	−$380
California	$2,085	$2,385	−$300
Colorado	$2,845	$3,360	−$515
Connecticut	$2,165	$2,470	−$305
Delaware	$2,215	$2,520	−$305
District of Columbia	$2,760	$3,180	−$420
Florida	$2,775	$3,145	−$370
Georgia	$2,510	$2,865	−$355
Hawaii	$1,485	$1,705	−$220
Idaho	$1,535	$1,785	−$250
Illinois	$1,970	$2,290	−$320
Indiana	$1,635	$1,905	−$270
Iowa	$1,840	$2,195	−$355
Kansas	$2,115	$2,515	−$400
Kentucky	$1,880	$2,175	−$295
Louisiana	$3,055	$3,535	−$480
Maine	$1,465	$1,705	−$240
Maryland	$2,365	$2,715	−$350
Massachusetts	$2,100	$2,415	−$315
Michigan	$2,400	$2,775	−$375
Minnesota	$2,105	$2,485	−$380
Mississippi	$2,310	$2,710	−$400
Missouri	$2,200	$2,585	−$385
Montana	$2,145	$2,560	−$415
Nebraska	$2,110	$2,505	−$395
Nevada	$2,150	$2,415	−$265
New Hampshire	$1,590	$1,840	−$250
New Jersey	$2,350	$2,660	−$310
New Mexico	$2,090	$2,435	−$345
New York	$2,725	$3,110	−$385
North Carolina	$1,785	$2,085	−$300
North Dakota	$1,790	$2,145	−$355
Ohio	$1,645	$1,915	−$270
Oklahoma	$2,275	$2,685	−$410
Oregon	$1,830	$2,090	−$260
Pennsylvania	$2,045	$2,385	−$340
Rhode Island	$2,425	$2,755	−$330
South Carolina	$2,280	$2,625	−$345
South Dakota	$2,320	$2,810	−$490
Tennessee	$1,945	$2,270	−$325
Texas	$2,875	$3,375	−$500
Utah	$1,850	$2,110	−$260
Vermont	$1,580	$1,850	−$270
Virginia	$1,905	$2,205	−$300
Washington	$1,780	$2,035	−$255
West Virginia	$2,090	$2,465	−$375
Wisconsin	$1,680	$1,980	−$300
Wyoming	$2,315	$2,800	−$485

By driver profile (full coverage)

Driver	Range Rover	G-Class
Teen driver (18, own policy)	$6,080	$7,035
Young adult (22)	$3,540	$4,090
Adult in their 30s	$2,210	$2,560
Adult in their 50s	$2,035	$2,355
Senior (72)	$2,475	$2,865
30s, one at-fault accident	$3,205	$3,710
30s, DUI on record	$4,090	$4,730

More comparisons

Frequently asked questions

Is the Land Rover Range Rover or the Mercedes-Benz G-Class cheaper to insure?

By our estimate the Land Rover Range Rover is cheaper, by about $350 a year for full coverage ($2,210 vs. $2,560) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Land Rover Range Rover and Mercedes-Benz G-Class?

Mostly because of insurance-loss history: HLDI collision indices of 157 vs. 184 and comprehensive indices of 339 vs. 439 (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