Land Rover Discovery Insurance Rates

The average auto insurance rates for a Land Rover Discovery are $1,462 annually for full coverage insurance. Comprehensive costs an estimated $318 a year, collision insurance costs $526, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $3,158. Teens cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Land Rover Discovery insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $1,270 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,462
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,832
• Higher-risk drivers with serious driving violations could pay up to $3,158
• Policy cost with full coverage for a teen driver can cost as much as $5,460 a year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $570 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each 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 $960 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Affordable Land Rover Discovery Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the material that was covered above.

• Policyholders who want more liability protection will pay approximately $510 annually to go from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, possibly costing $455 each month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,700 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $550 each year