Okay, you made me feel a little better about the $2100/yr I am paying for my wife's P525. We just picked it up last month and I opened my insurance bill this morning and it seemed high... I called my agent this morning and they said it was indeed correct. I was surprised that the Defender was $400/year more to insure than the Rivian R1S we just sold... considering the R1 is crazy stupid expensive to repair (I mean just dumb... like $35k for a small fender bender, etc) and it has 850hp/903tq.. so significantly more than the P525 (and performance is "get yourself in trouble very very quickly")... the P525 feels slow and civilized.

 

$1789 w/ Travellers for my Defender X P400 annually in Oregon. Full coverage (250K/500K, $1000 deductibles on everything, full glass no deductible and I added a $10K coverage for all the accessories I have slapped on the thing).. I'm 49 years old, zero claims or accidents since 2013. No young drivers in the house. It was $2600 with Safeco last year, but I switched because they would only cover $5k in accessories for some reason and the policy was significantly more expensive.

BTW insuring a relatively new Porsche 911? Cheaper than a Land Rover Defender. No idea why. Perhaps it causes more damage to the other vehicle and occupants?

 

how????? have them too,

 

I have a p300 4 cylinder...it was about 2K less than if I got the p400 6 cyinder....4 is perfectly enough power for me

 

I have a legacy policy from a major that doesn't insure new policies in California anymore. I pay well over $3k for relatively high limits for a P300, with a spotless driving record. Between that, my R8 (also over 3k), my home insurance, and an umbrella policy, I'm paying something like 9-10k per year for insurance. Ouch!

However, it's not possible to make direct comparisons with other people's quotes. If I switched to a low-cost provider, I'd pay half as much. If I reduced my limits to the minimums, I'd pay half as much. If I wasn't in California, I'd pay half as much.

In California, insurers are only allowed to consider a few simple factors to set prices. For example, they aren't allowed to consider your credit score or your moment-by-moment driving patterns (i.e., no telemetry). I agree with some of that, but it results in a benefit for bad drivers and generally-irresponsible people, whose insurance I arguably subsidize.

Oh well, the few times I've had a claim (stolen catalytic converter, etc.), they defend me or immediately write a healthy check without complaint, which is what you want from an insurer, so I stick with them.