Land Rover Discovery Insurance Rates

U.S. average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs approximately $318 each year, collision insurance costs $526, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $3,158 or more. Teen drivers pay the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Discovery models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

The ranges above show why all drivers should compare rates using their specific location, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $844
• Drivers who choose higher $1,000 deductibles will pay $192 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,462
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $370 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,158
• The price that insures a teenage driver can cost $5,460 a year

View Chart as Image

Insurance prices for a Land Rover Discovery are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,090 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $570 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Land Rover Discovery Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every year by getting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a brief summary of the coverage data illustrated above.

• Drivers can save around $180 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $455 a month if full coverage is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,700 more per year than a driver with a clean driving record