Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage insurance. Comprehensive insurance costs approximately $318 a year, collision insurance costs $526, and liability coverage is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $3,158 or more. Teen 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:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location, rather than using price averages.

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

Additional Rate Information

The chart below illustrates average Land Rover Discovery insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save $1,270 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,462
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $370 each year
• Drivers with multiple violations and an at-fault accident could pay around $3,158
• Policy cost that insures a teenage driver can cost $5,460 each year

View Chart as Image

Car insurance rates for a Land Rover Discovery also range considerably based on the trim level of your Discovery, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $570 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Land Rover Discovery Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a positive credit history, being claim-free, and attention to physical damage deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief recap of the material that was touched on in the above illustrations.

• Consumers who purchase higher liability limits will pay about $510 annually to raise limits from a 30/60 limit to the 250/500 level
• Teenagers pay the highest auto insurance rates, possibly costing $455 each month if full coverage is purchased
• Drivers who tend to receive serious violations could be charged and average of $1,700 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $550 each year