Land Rover Discovery Insurance Rates

Average auto insurance rates for a Land Rover Discovery are $1,462 annually with full coverage. Comprehensive costs on average $318 each year, collision insurance costs $526, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $3,158. Teenage drivers receive the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below details average Land Rover Discovery insurance rates for different risk profiles and scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save around $192 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,462
• Using low deductibles for comp and collision coverage will cost $1,832
• Drivers who are prone to accidents and violations could pay upwards of $3,158
• The cost with full coverage for a teenage driver may cost $5,460 each year

View Chart as Image

Auto insurance rates for a Land Rover Discovery can also vary considerably based on the trim level of your Discovery, your driving record, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $570 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Affordable Land Rover Discovery Insurance

Saving money on auto insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a brief review of the car insurance concepts covered in the above illustrations.

• Drivers with DUI or reckless driving convictions pay an average of $1,700 more each year to buy Land Rover Discovery insurance
• You may be able to save as much as $180 per year just by quoting online in advance
• Increasing deductibles could save up to $550 each year
• Consumers who require increased levels of liability coverage will pay an extra $510 every year to raise limits from a minimum limit to higher 250/500 limits