Estimates, not quotes

Land Rover Defender Insurance Cost in Wisconsin

Insuring a Land Rover Defender in Wisconsin costs about $1,305 a year ($109/month) for full coverage by our estimate — −28% versus the same car nationally — the 7th cheapest of 51 states for this model.

Land Rover Defender (photo from Wikimedia Commons)
Photo: Vauxford, CC BY-SA 4.0
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

Land Rover Defender insurance in Wisconsin at a glance

Full coverage
$1,305
$1,070–$1,535
25/50/10 minimum
$345
$29/mo
Same car nationally
$1,815
full coverage
Avg. car in WI
$1,095
+19% for the Defender

The Land Rover Defender is 19% more expensive than the average vehicle to insure in Wisconsin, reflecting HLDI collision losses of 126 and comprehensive losses of 176 (100 = average). Wisconsin's own base rates are 28% lower than the national average, which carries through to every model.

Wisconsin factors that affect Defender premiums

  • Uninsured drivers: 15.6% of Wisconsin drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Defender.
  • Theft: 132 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Wisconsin's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.86 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Wisconsin →

Land Rover Defender insurance cost in Wisconsin cities

CityFull coverageMinimumvs. state
Milwaukee$1,490$395+14%
Madison$1,420$370+9%
Green Bay$1,370$365+5%
Kenosha$1,455$385+11%
Racine$1,475$390+13%
Appleton$1,395$370+7%
Eau Claire$1,335$350+2%
Waukesha$1,415$375+8%

Land Rover Defender insurance in Wisconsin by driver

Estimated annual Land Rover Defender premium in Wisconsin
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $945 $1,365 $3,585 $299
Young adult (22) $550 $795 $2,085 $174
Adult in their 30s $345 $495 $1,305 $109
Adult in their 50s $315 $455 $1,200 $100
Senior (72) $385 $555 $1,460 $122
30s, one at-fault accident $495 $720 $1,890 $158
30s, DUI on record $635 $920 $2,410 $201

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $345 $29 $280–$405
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $495 $41 $410–$585
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,305 $109 $1,070–$1,535

Wisconsin minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Wisconsin

ModelFull coverage in WIvs. Defender
BMW X5$1,200−8%
Cadillac Escalade$1,180−10%
Porsche Cayenne$1,315+1%
BMW X6$1,635+25%

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Land Rover Defender insurance cost in every state · All Land Rover models

Frequently asked questions

How much is Land Rover Defender insurance in Wisconsin?

About $1,305 a year ($109 a month) for full coverage and $345 for Wisconsin's minimum liability, for a driver in their 30s with a clean record. That is 28% less than the national estimate for the same car.

Is the Land Rover Defender cheaper to insure than the average car in Wisconsin?

The average vehicle in Wisconsin is about $1,095 a year for full coverage in our model, so the Land Rover Defender is 19% more expensive than average.

Where in Wisconsin is Land Rover Defender insurance cheapest?

Among the largest Wisconsin cities, Eau Claire has the lowest estimate (about $1,335) and Milwaukee the highest (about $1,490).

What insurance do I need for a Land Rover Defender in Wisconsin?

Wisconsin requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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