Land Rover Discovery Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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The average auto insurance rates for a Land Rover Discovery are $1,006 annually with full coverage. Comprehensive insurance costs around $182 each year, collision insurance costs $224, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs $2,154 or more. 16-year-old drivers cost the most to insure at up to $3,996 a year.

Average premium for full coverage: $1,006

Policy rates for type of insurance:

Comprehensive $182
Collision $224
Liability $442

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Discovery models.

Price Range Variability

For the average 40-year-old driver, Land Rover Discovery insurance rates range from as cheap as $496 for just the minimum liability insurance to a high rate of $2,154 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,006
High Risk $2,154

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $755
Small Cities $1,056
Large Cities $1,358

The examples above demonstrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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 Analysis

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

  • The best full coverage rate is $613
  • Drivers who choose higher $1,000 deductibles will pay about $94 annually
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,006
  • Buying low deductibles for comprehensive and collision insurance costs an additional $176 annually
  • Drivers with multiple tickets or accidents could pay at least $2,154
  • Policy cost with full coverage for a 16-year-old driver can be $3,996 a year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing Land Rover Discovery insurance prices range from $613 to $3,996 for full coverage

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $270 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or at least $1,360 on average in Florida, Michigan, and New York.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $912 -$94 -9.3%
Alaska $774 -$232 -23.1%
Arizona $838 -$168 -16.7%
Arkansas $1,006 -$0 0.0%
California $1,148 $142 14.1%
Colorado $962 -$44 -4.4%
Connecticut $1,036 $30 3.0%
Delaware $1,140 $134 13.3%
Florida $1,260 $254 25.2%
Georgia $928 -$78 -7.8%
Hawaii $724 -$282 -28.0%
Idaho $682 -$324 -32.2%
Illinois $750 -$256 -25.4%
Indiana $758 -$248 -24.7%
Iowa $680 -$326 -32.4%
Kansas $958 -$48 -4.8%
Kentucky $1,376 $370 36.8%
Louisiana $1,492 $486 48.3%
Maine $620 -$386 -38.4%
Maryland $830 -$176 -17.5%
Massachusetts $808 -$198 -19.7%
Michigan $1,752 $746 74.2%
Minnesota $842 -$164 -16.3%
Mississippi $1,206 $200 19.9%
Missouri $892 -$114 -11.3%
Montana $1,082 $76 7.6%
Nebraska $794 -$212 -21.1%
Nevada $1,208 $202 20.1%
New Hampshire $726 -$280 -27.8%
New Jersey $1,126 $120 11.9%
New Mexico $892 -$114 -11.3%
New York $1,062 $56 5.6%
North Carolina $580 -$426 -42.3%
North Dakota $826 -$180 -17.9%
Ohio $696 -$310 -30.8%
Oklahoma $1,036 $30 3.0%
Oregon $924 -$82 -8.2%
Pennsylvania $962 -$44 -4.4%
Rhode Island $1,344 $338 33.6%
South Carolina $912 -$94 -9.3%
South Dakota $850 -$156 -15.5%
Tennessee $884 -$122 -12.1%
Texas $1,214 $208 20.7%
Utah $748 -$258 -25.6%
Vermont $690 -$316 -31.4%
Virginia $604 -$402 -40.0%
Washington $780 -$226 -22.5%
West Virginia $924 -$82 -8.2%
Wisconsin $698 -$308 -30.6%
Wyoming $898 -$108 -10.7%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city
Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2004 Land Rover Discovery $182 $224 $442 $1,006

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 Buy the Cheapest Land Rover Discovery Insurance

Finding cheaper rates on insurance for a Land Rover Discovery not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the concepts that were touched on in this article.

  • Drivers considered higher risk that have major violations or accidents may pay on average $1,150 more every year for auto insurance
  • Teenage drivers are expensive to insure, as much as $333 each month if full coverage is included
  • You may be able to save up to $110 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $275 each year
  • You may be able to save up to $110 per year just by quoting online in advance

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $3,996
20 $2,288
30 $1,028
40 $1,006
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,182
$250 $1,102
$500 $1,006
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,006
50/100 $1,094
100/300 $1,205
250/500 $1,492
100 CSL $1,139
300 CSL $1,382
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $5,626
20 $3,642
30 $2,176
40 $2,154
50 $2,060
60 $2,040

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 $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $61
5-yr Claim Free $62
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $393
Rate after discounts $613

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

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