Land Rover Discovery Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage insurance. Comprehensive costs around $318 a year, collision costs $526, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $3,158. Teens pay the most at $5,460 a year or more.
Average premium for full coverage: $1,462
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and 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 the cheapest price of $510 for just liability coverage to a high of $3,158 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on 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 choices and driver risks.
- The cheapest rate after discounts is $844
- Using higher $1,000 deductibles will save about $1,270 each year
- The average price for a 40-year-old good driver using $500 deductibles is $1,462
- Selecting low $100 deductibles for physical damage coverage increases the price to $1,832
- Drivers with serious driving violations could pay at least $3,158 or more
- An auto insurance policy to insure a teen driver can be $5,460 or more
Insurance prices for a Land Rover Discovery also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $570 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Land Rover Discovery insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,970 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different.
| 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 Shop for the Best Cheap Land Rover Discovery Insurance
Finding better rates on Land Rover Discovery insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following list is a quick review of the concepts that were touched on in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,700 more every year than a safer driver
- Drivers age 16 to 20 pay higher prices, with premiums being up to $455 per month if they have full coverage
- It is possible to save up to $180 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $550 each year
- It is possible to save up to $180 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,662 |
| $500 | $1,462 |
| $1,000 | $1,270 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
