Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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Average insurance prices for a Land Rover Discovery are $1,462 every 12 months including full coverage. Comprehensive costs around $318, collision insurance costs $526, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs around $3,158. Teens receive the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Rate estimates for individual coverage type:

Comprehensive $318
Collision $526
Liability $460

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Discovery trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $510 for just liability coverage to a much higher rate of $3,158 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,462
High Risk $3,158

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down average Land Rover Discovery insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $844
  • Raising to $1,000 deductibles will save about $192 every year
  • The average price for a 40-year-old driver using $500 deductibles is $1,462
  • Selecting more expensive low deductibles increases the price to $1,832
  • Drivers with serious driving violations could pay at least $3,158
  • The cost to insure a 16-year-old driver with full coverage can be $5,460

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing Land Rover Discovery insurance rates range from $844 to $5,460 for full coverage

Insurance rates for a Land Rover Discovery can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,090 on average in Michigan, New York, and Louisiana.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,216 -$246 -16.8%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,396 -$66 -4.5%
Connecticut $1,504 $42 2.9%
Delaware $1,654 $192 13.1%
Florida $1,828 $366 25.0%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $988 -$474 -32.4%
Illinois $1,088 -$374 -25.6%
Indiana $1,102 -$360 -24.6%
Iowa $986 -$476 -32.6%
Kansas $1,390 -$72 -4.9%
Kentucky $1,994 $532 36.4%
Louisiana $2,164 $702 48.0%
Maine $902 -$560 -38.3%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,170 -$292 -20.0%
Michigan $2,538 $1,076 73.6%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,750 $288 19.7%
Missouri $1,298 -$164 -11.2%
Montana $1,570 $108 7.4%
Nebraska $1,152 -$310 -21.2%
Nevada $1,754 $292 20.0%
New Hampshire $1,054 -$408 -27.9%
New Jersey $1,634 $172 11.8%
New Mexico $1,294 -$168 -11.5%
New York $1,540 $78 5.3%
North Carolina $842 -$620 -42.4%
North Dakota $1,198 -$264 -18.1%
Ohio $1,010 -$452 -30.9%
Oklahoma $1,502 $40 2.7%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,952 $490 33.5%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,234 -$228 -15.6%
Tennessee $1,280 -$182 -12.4%
Texas $1,762 $300 20.5%
Utah $1,082 -$380 -26.0%
Vermont $1,000 -$462 -31.6%
Virginia $876 -$586 -40.1%
Washington $1,130 -$332 -22.7%
West Virginia $1,338 -$124 -8.5%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,302 -$160 -10.9%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city
Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Land Rover Discovery $406 $744 $398 $1,706
2023 Land Rover Discovery $394 $726 $416 $1,694
2022 Land Rover Discovery $380 $696 $430 $1,664
2021 Land Rover Discovery $358 $672 $442 $1,630
2020 Land Rover Discovery $344 $624 $452 $1,578
2019 Land Rover Discovery $332 $588 $456 $1,534
2018 Land Rover Discovery $318 $526 $460 $1,462
2017 Land Rover Discovery $296 $484 $460 $1,398

Rates are averaged for all Land Rover Discovery models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Land Rover Discovery Insurance

Saving money on insurance for a Land Rover Discovery consists of avoiding accidents and claims, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the ideas that were raised in the charts and tables above.

  • Drivers under the age of 20 are charged the highest rates, as much as $455 per month if full coverage is included
  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,700 more every year to insure a Land Rover Discovery
  • Increasing deductibles could save as much as $550 each year
  • You may be able to save up to $180 per year just by shopping early and online

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $5,460
20 $3,356
30 $1,520
40 $1,462
50 $1,334
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,662
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,554
100/300 $1,669
250/500 $1,968
100 CSL $1,600
300 CSL $1,853
500 CSL $2,037

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $7,790
20 $5,344
30 $3,226
40 $3,158
50 $3,014
60 $2,988

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $95
Paid in Full/EFT $65
Advance Quote $71
Online Quote $104
Total Discounts $618
Rate after discounts $844

Discounts are estimated and may not be available from every company or in every state.

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