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 costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $3,158 or more. 16-year-old 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:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $844
• Using higher $1,000 deductibles will save $1,270 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,462
• Buying low $100 deductibles for physical damage coverage will cost an additional $370 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,158
• Policy cost that insures a 16-year-old driver can cost $5,460 or more

View Chart as Image

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 can be from 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state has a huge impact on Land Rover Discovery insurance prices. A driver around age 40 might see rates as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $570 annually, 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 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Land Rover Discovery Insurance

Finding cheaper rates on insurance for a Land Rover Discovery requires having a decent driving record, having above-average credit, being claim-free, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following items are a brief summary of the data that was covered in the charts and tables above.

• It is possible to save around $180 per year just by quoting early and online
• Insureds who purchase additional liability coverage will pay around $510 annually to increase from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $455 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,700 more per year than a driver with a clean driving record