Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year including full coverage. Comprehensive costs on average $318 a year, collision costs $526, and liability coverage costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $3,158. 16-year-old drivers cost the most to insure at $5,460 a year or more.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Land Rover Discovery insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $844
• Drivers who choose higher $1,000 deductibles will pay around $1,270 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,462
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,832
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,158 or more
• Policy cost that insures a teenage driver may cost $5,460 a year

View Chart as Image

Auto insurance rates for a Land Rover Discovery also range considerably based on the trim level of your Discovery, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,400 a year. View Rates by Age

Your home state makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,090 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $570 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied.

How to Find More Affordable Land Rover Discovery Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a summary of the car insurance concepts touched on in the above illustrations.

• Drivers who have multiple accidents or major violations could be forced to pay on average $1,700 more each year to insure their Discovery
• You may be able to save as much as $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Consumers who require more liability coverage will pay around $510 per year to go from a 30/60 limit to the 250/500 level