Land Rover Discovery Insurance Rates

Average auto insurance rates for a Land Rover Discovery are $1,462 annually including full coverage. Comprehensive insurance costs an estimated $318 each year, collision costs $526, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $3,158 or more. Teenage drivers 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:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Land Rover Discovery insurance rates for other coverage scenarios.

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay approximately $192 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,462
• Using low deductibles for comprehensive and collision insurance costs an additional $370 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,158 or more
• The cost with full coverage for a teenage driver can cost as much as $5,460 a year

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level of your Discovery, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $570 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,090 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different between companies.

How to Buy Cheaper Land Rover Discovery Insurance

Saving money on auto insurance not only requires having a good driving record, but also having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a condensed summary of the information covered above.

• You may be able to save approximately $180 per year simply by quoting online in advance
• Drivers age 20 and younger are expensive to insure, as much as $455 per month if they have full coverage
• Increasing deductibles could save up to $550 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,700 more annually to buy Land Rover Discovery insurance
• Consumers who want increased levels of liability coverage will pay an extra $510 per year to go from a minimum limit to higher 250/500 limits