Land Rover Discovery Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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:
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.
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.
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
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.
| 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% |
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,662 |
| $500 | $1,462 |
| $1,000 | $1,270 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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