Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs on average $318, collision insurance costs $526, and liability insurance is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $3,158 or more. 16-year-old drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how location helps determine car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows average Land Rover Discovery insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $844
• Raising to $1,000 deductibles will save around $192 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,462
• Buying more expensive low deductibles will cost an extra $370 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,158
• Policy cost for full coverage for a teen driver with full coverage may cost $5,460

View Chart as Image

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

An older driver with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age

Your home state also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance consists of avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The points below are a condensed summary of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $180 per year just by shopping early and online
• High-risk drivers with multiple at-fault accidents will pay on average $1,700 more each year to insure a Land Rover Discovery
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers under the age of 20 pay the highest rates, costing up to $455 each month for full coverage