Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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The average insurance rates for a Land Rover Discovery are $1,462 a year including full coverage. Comprehensive costs an estimated $318 a year, collision costs $526, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $3,158. Teen drivers cost the most to insure at $5,460 a year or more.

Average premium for full coverage: $1,462

Policy rates broken down by type of insurance:

Comprehensive $318
Collision $526
Liability $460

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Discovery trim levels.

Price Range Variability

For a 40-year-old driver, Land Rover Discovery insurance rates go from the low end price of $510 for basic liability insurance to a high of $3,158 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,462
High Risk $3,158

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

The examples above highlight why it is important to get quotes for a targeted area, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The lowest rate with discounts is $844
  • Choosing higher $1,000 deductibles can save approximately $1,270 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,462
  • Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $1,832
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,158 or more
  • Policy cost that insures a teen driver can cost as much as $5,460 each year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance rates range from $844 to $5,460

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,090 on average in Louisiana, New York, and Michigan.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,216 -$246 -16.8%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,396 -$66 -4.5%
Connecticut $1,504 $42 2.9%
Delaware $1,654 $192 13.1%
Florida $1,828 $366 25.0%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $988 -$474 -32.4%
Illinois $1,088 -$374 -25.6%
Indiana $1,102 -$360 -24.6%
Iowa $986 -$476 -32.6%
Kansas $1,390 -$72 -4.9%
Kentucky $1,994 $532 36.4%
Louisiana $2,164 $702 48.0%
Maine $902 -$560 -38.3%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,170 -$292 -20.0%
Michigan $2,538 $1,076 73.6%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,750 $288 19.7%
Missouri $1,298 -$164 -11.2%
Montana $1,570 $108 7.4%
Nebraska $1,152 -$310 -21.2%
Nevada $1,754 $292 20.0%
New Hampshire $1,054 -$408 -27.9%
New Jersey $1,634 $172 11.8%
New Mexico $1,294 -$168 -11.5%
New York $1,540 $78 5.3%
North Carolina $842 -$620 -42.4%
North Dakota $1,198 -$264 -18.1%
Ohio $1,010 -$452 -30.9%
Oklahoma $1,502 $40 2.7%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,952 $490 33.5%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,234 -$228 -15.6%
Tennessee $1,280 -$182 -12.4%
Texas $1,762 $300 20.5%
Utah $1,082 -$380 -26.0%
Vermont $1,000 -$462 -31.6%
Virginia $876 -$586 -40.1%
Washington $1,130 -$332 -22.7%
West Virginia $1,338 -$124 -8.5%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,302 -$160 -10.9%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing high deductibles can save as much as $570 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Land Rover Discovery $406 $744 $398 $1,706
2023 Land Rover Discovery $394 $726 $416 $1,694
2022 Land Rover Discovery $380 $696 $430 $1,664
2021 Land Rover Discovery $358 $672 $442 $1,630
2020 Land Rover Discovery $344 $624 $452 $1,578
2019 Land Rover Discovery $332 $588 $456 $1,534
2018 Land Rover Discovery $318 $526 $460 $1,462
2017 Land Rover Discovery $296 $484 $460 $1,398

Rates are averaged for all Land Rover Discovery models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around every other policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief summary of the ideas that were illustrated above.

  • Teen drivers are the costliest to insure, with premiums being up to $455 each month if the policy includes full coverage
  • High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,700 more annually to insure their Discovery
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • You may be able to save approximately $180 per year simply by quoting early and online

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $5,460
20 $3,356
30 $1,520
40 $1,462
50 $1,334
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,662
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,554
100/300 $1,669
250/500 $1,968
100 CSL $1,600
300 CSL $1,853
500 CSL $2,037

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $7,790
20 $5,344
30 $3,226
40 $3,158
50 $3,014
60 $2,988

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $203

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $95
Paid in Full/EFT $65
Advance Quote $71
Online Quote $104
Total Discounts $618
Rate after discounts $844

Discounts are estimated and may not be available from every company or in every state.

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