Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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The average insurance prices for a Land Rover Discovery are $1,534 every 12 months for full coverage insurance. Comprehensive costs approximately $332 a year, collision costs $588, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,320. Teens cost the most to insure at $5,698 a year or more.

Average premium for full coverage: $1,534

Policy rates by type of insurance:

Comprehensive $332
Collision $588
Liability $456

Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

For a driver in their 40's, Land Rover Discovery insurance rates go from the cheapest price of $508 for just liability coverage to a high of $3,320 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,534
High Risk $3,320

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $1,151
Small Cities $1,611
Large Cities $2,071

The examples above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of using 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 illustrates estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $876
  • Raising to $1,000 deductibles will save $1,324 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,534
  • Selecting low $100 deductibles increases the price to $1,938
  • At-risk drivers with serious driving violations could pay around $3,320 or more
  • Policy cost to insure a teen driver can cost $5,698

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance rates range from $876 to $5,698

Insurance rates for a Land Rover Discovery also range considerably based on liability limits and deductibles, your risk profile, and the model of your Discovery.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $620 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 131% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,070 on average in Florida, New York, and Michigan.

Land Rover Discovery Insurance Rates by State
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%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied.

Land Rover Discovery Insurance Rates by Model Year
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 the Right Land Rover Discovery Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates every year by getting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the coverage data covered in the charts and tables above.

  • It is possible to save around $190 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $625 each year
  • Drivers age 20 and younger are the costliest to insure, possibly costing $475 each month if full coverage is included
  • Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,790 more per year to buy Land Rover Discovery insurance

Rates by Driver Age

Land Rover Discovery Insurance 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

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,938
$250 $1,750
$500 $1,534
$1,000 $1,324

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
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

Land Rover Discovery Insurance 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.

SR-22 Surcharge $216

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
Rate after discounts $876

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

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