Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage insurance. Comprehensive costs on average $318 a year, collision insurance costs $526, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs around $3,158. Teenage drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Land Rover Discovery insurance rates for different risk profiles and scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save around $1,270 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,462
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,832
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,158
• Policy cost that insures a teen driver may cost $5,460 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $570 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance takes avoiding accidents and violations, having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a quick review of the data covered in the charts and tables above.

• Drivers who require higher liability limits will pay an extra $510 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save as much as $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Teenagers are expensive to insure, possibly costing $455 each month if full coverage is purchased