Land Rover Discovery Insurance Rates

Average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs around $318 each year, collision insurance costs $526, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $3,158 or more. Teenage drivers receive the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code, rather than relying on average rates.

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 best discount rate is $844
• Choosing higher $1,000 deductibles can save about $192 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,462
• Using low deductibles for comp and collision coverage will cost an additional $370 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,158
• The cost that insures a teen driver can be $5,460 each year

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

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 $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

How to Find the Best Cheap Land Rover Discovery Insurance

Saving money on Land Rover Discovery insurance takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare prices at least once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the primary concepts that were covered above.

• Drivers can save up to $180 per year just by quoting online in advance
• High-risk drivers with a DUI or reckless driving violation pay on average $1,700 more every year than a driver with a clean driving record
• Increasing deductibles can save approximately $550 each year
• 16 to 18-year-old drivers pay higher rates, costing as high as $455 per month if full coverage is included