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 around $318 each year, collision insurance costs $526, and liability coverage costs around $460. A liability-only policy costs as low as $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 for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Discovery models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below shows average Land Rover Discovery insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $844
• Using higher $1,000 deductibles will save about $192 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,462
• Choosing low deductibles for physical damage coverage will cost an extra $370 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,158
• Policy cost for full coverage for a teenage driver can be $5,460 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,400 a year. View Rates by Age

Your home state has a huge impact on Land Rover Discovery insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $570 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. 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 least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

How to Find Low Cost Land Rover Discovery Insurance

Finding cheaper rates on auto insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the ideas that were covered above.

• Drivers age 16 to 20 are the costliest to insure, costing up to $455 each month if full coverage is included
• Drivers who have several accidents or serious violations may be required to pay an average of $1,700 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers can save up to $180 per year just by quoting online in advance