Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive costs around $318, 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. Teen drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Discovery models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code, 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 choices and driver risks.

• The lowest rate with discounts is $844
• Choosing higher $1,000 deductibles can save about $192 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,462
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,832
• Drivers with multiple violations and an at-fault accident could pay at least $3,158
• Policy cost that insures a teenage driver for full coverage can be $5,460 each year

View Chart as Image

Insurance rates for a Land Rover Discovery also range considerably based on the model of your Discovery, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. Land Rover Discovery insurance for high-risk drivers ranges around 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $570 a year, whereas buying more liability protection will increase rates. Going 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 More Affordable Land Rover Discovery Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at least every other year by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations pay on average $1,700 more every year to insure a Land Rover Discovery
• Drivers can save up to $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Consumers who may need increased liability limits will pay about $510 each year to raise limits from a 30/60 limit to the 250/500 level