Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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Estimated auto insurance rates for a Land Rover Discovery are $1,462 annually including full coverage. Comprehensive insurance costs an estimated $318, collision costs $526, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $3,158 or more. Teen drivers pay the most at $5,460 a year or more.

Average premium for full coverage: $1,462

Premium estimates broken down by type of coverage:

Comprehensive $318
Collision $526
Liability $460

Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Discovery trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Land Rover Discovery go from as cheap as $510 for the bare minimum liability coverage to a much higher rate of $3,158 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,462
High Risk $3,158

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than using price 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 Information

The chart below breaks down estimated Land Rover Discovery insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $844
  • Raising to $1,000 deductibles will save approximately $192 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,462
  • Choosing more expensive low deductibles costs an additional $370 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,158 or more
  • An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $5,460

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance prices range from $844 to $5,460

Insurance prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $570 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,090 on average in Louisiana, New York, and Michigan.

Land Rover Discovery Insurance Rates by State
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%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.

Land Rover Discovery Insurance Rates by Model Year
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 Buy Low Cost Land Rover Discovery Insurance

Finding better rates on auto insurance consists of being a good driver, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a review of the data touched on in the above illustrations.

  • Consumers who want an increased level of liability coverage will pay about $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save approximately $180 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $550 each year
  • Drivers age 16 to 20 are charged the highest prices, with the cost nearing $455 per month including comprehensive and collision insurance

Rates by Driver Age

Land Rover Discovery Insurance 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

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,662
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
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

Land Rover Discovery Insurance 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.

SR-22 Surcharge $203

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
Rate after discounts $844

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

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