Land Rover Discovery Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 17, 2024
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U.S. average insurance prices for a Land Rover Discovery are $1,534 every 12 months for full coverage. Comprehensive costs approximately $332, collision costs $588, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,320. Teens pay the highest rates at $5,698 a year or more.
Average premium for full coverage: $1,534
Price estimates by individual coverage:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Discovery trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Land Rover Discovery insurance prices go from the cheapest price of $508 for the bare minimum liability coverage to a much higher rate of $3,320 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than relying 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.
Additional Rate Information
The chart below shows estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $876
- Using higher $1,000 deductibles will save $210 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,534
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,938
- Drivers with serious driving violations could pay around $3,320 or more
- The price to insure a teen driver with full coverage can cost $5,698 or more
Insurance prices for a Land Rover Discovery are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Discovery.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $620 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Land Rover Discovery insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,190 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,386 | -$148 | -9.6% |
| Alaska | $1,176 | -$358 | -23.3% |
| Arizona | $1,272 | -$262 | -17.1% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,748 | $214 | 14.0% |
| Colorado | $1,464 | -$70 | -4.6% |
| Connecticut | $1,576 | $42 | 2.7% |
| Delaware | $1,734 | $200 | 13.0% |
| Florida | $1,918 | $384 | 25.0% |
| Georgia | $1,414 | -$120 | -7.8% |
| Hawaii | $1,102 | -$432 | -28.2% |
| Idaho | $1,036 | -$498 | -32.5% |
| Illinois | $1,142 | -$392 | -25.6% |
| Indiana | $1,154 | -$380 | -24.8% |
| Iowa | $1,034 | -$500 | -32.6% |
| Kansas | $1,456 | -$78 | -5.1% |
| Kentucky | $2,092 | $558 | 36.4% |
| Louisiana | $2,268 | $734 | 47.8% |
| Maine | $946 | -$588 | -38.3% |
| Maryland | $1,264 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$308 | -20.1% |
| Michigan | $2,662 | $1,128 | 73.5% |
| Minnesota | $1,284 | -$250 | -16.3% |
| Mississippi | $1,836 | $302 | 19.7% |
| Missouri | $1,360 | -$174 | -11.3% |
| Montana | $1,648 | $114 | 7.4% |
| Nebraska | $1,206 | -$328 | -21.4% |
| Nevada | $1,836 | $302 | 19.7% |
| New Hampshire | $1,104 | -$430 | -28.0% |
| New Jersey | $1,712 | $178 | 11.6% |
| New Mexico | $1,358 | -$176 | -11.5% |
| New York | $1,614 | $80 | 5.2% |
| North Carolina | $882 | -$652 | -42.5% |
| North Dakota | $1,252 | -$282 | -18.4% |
| Ohio | $1,058 | -$476 | -31.0% |
| Oklahoma | $1,574 | $40 | 2.6% |
| Oregon | $1,404 | -$130 | -8.5% |
| Pennsylvania | $1,462 | -$72 | -4.7% |
| Rhode Island | $2,046 | $512 | 33.4% |
| South Carolina | $1,388 | -$146 | -9.5% |
| South Dakota | $1,294 | -$240 | -15.6% |
| Tennessee | $1,342 | -$192 | -12.5% |
| Texas | $1,846 | $312 | 20.3% |
| Utah | $1,134 | -$400 | -26.1% |
| Vermont | $1,050 | -$484 | -31.6% |
| Virginia | $918 | -$616 | -40.2% |
| Washington | $1,186 | -$348 | -22.7% |
| West Virginia | $1,404 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,364 | -$170 | -11.1% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2023 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2022 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2021 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2020 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2019 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2018 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2017 Land Rover Discovery | $318 | $526 | $460 | $1,462 |
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 Cheap Land Rover Discovery Insurance
Getting lower rates on Land Rover Discovery insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the data raised in the charts and tables above.
- Drivers who purchase increased levels of liability coverage will pay approximately $500 each year to increase from a low limit to a 250/500 level
- Drivers can save around $190 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $625 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $475 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,698 |
| 20 | $3,532 |
| 30 | $1,598 |
| 40 | $1,534 |
| 50 | $1,398 |
| 60 | $1,372 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,938 |
| $250 | $1,750 |
| $500 | $1,534 |
| $1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,142 |
| 20 | $5,628 |
| 30 | $3,392 |
| 40 | $3,320 |
| 50 | $3,170 |
| 60 | $3,142 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $76 |
| Online Quote | $110 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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