Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year including full coverage. Comprehensive costs an estimated $318, collision costs $526, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $3,158. Teenage 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:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large 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 densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $844
• Raising to $1,000 deductibles will save approximately $192 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,462
• Using more expensive low deductibles bumps up the cost to $1,832
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,158 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $5,460

View Chart as Image

Auto insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, 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. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher 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 also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find rates 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

Using high physical damage deductibles can reduce rates by up to $570 each year, while increasing your policy's 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 compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Find More Affordable Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a summary of the concepts that were illustrated above.

• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,700 more annually to buy Land Rover Discovery insurance
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $455 each month if the policy includes full coverage
• You may be able to save approximately $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• You may be able to save approximately $180 per year simply by shopping early and online