Land Rover Discovery Insurance Rates
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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
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Average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs an estimated $318 each year, collision costs $526, and liability coverage is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $3,158 or more. Teens receive the highest rates at $5,460 a year or more.
Average premium for full coverage: $1,462
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Discovery models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $510 for basic liability insurance to a high rate of $3,158 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area, rather than using 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.
Rate Comparisons
The chart below shows estimated Land Rover Discovery insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $844
- Raising to $1,000 deductibles will save approximately $192 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,462
- Selecting low deductibles will cost an additional $370 each year
- Unlucky drivers with serious driving violations could pay up to $3,158 or more
- The cost that insures a teenage driver can cost as much as $5,460
Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,400 a year. View Rates by Age
Where you live 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 Iowa, Maine, and Idaho, or have to pay at least $2,090 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $570 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly 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 Find the Right Land Rover Discovery Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick rundown of the concepts that were raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions may pay on average $1,700 more annually to insure a Land Rover Discovery
- Drivers under the age of 20 are expensive to insure, costing as high as $455 per month if comprehensive and collision insurance is included
- Drivers can save approximately $180 per year simply by quoting online in advance
- Increasing deductibles can save approximately $550 each year
- Drivers can save approximately $180 per year simply by quoting online in advance
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.
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