Land Rover Discovery Insurance Rates

Average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs around $318 each year, collision insurance costs $526, and liability coverage costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $3,158 or more. 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:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $192 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,462
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $370 each year
• High-risk insureds with serious driving violations could pay at least $3,158
• The cost for full coverage for a teenage driver can be $5,460 a year

View Chart as Image

Auto insurance rates for a Land Rover Discovery can also vary considerably based on your driver profile, the trim level of your Discovery, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,400 a year. View Rates by Age

Where you live makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $570 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find the Right Land Rover Discovery Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following list is a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers with reckless driving or DUI convictions may be required to pay an average of $1,700 more every year than a safer driver
• Drivers can save up to $180 per year just by quoting online in advance
• Increasing deductibles can save around $550 each year
• Consumers who may need an increased level of liability coverage will pay approximately $510 each year to go from a minimum limit to 250/500 limits