Land Rover Discovery Insurance Rates

The average insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage insurance. Comprehensive costs an estimated $318 each year, collision insurance costs $526, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance 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 broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Discovery models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using price averages.

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

Detailed Rate Analysis

The chart below illustrates average Land Rover Discovery insurance rates for other coverage scenarios.

• The lowest rate with discounts is $844
• Raising to $1,000 deductibles will save approximately $192 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,462
• Choosing low deductibles increases the price to $1,832
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,158
• Policy cost to insure a teen driver can cost as much as $5,460

View Chart as Image

Car insurance rates for a Land Rover Discovery also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $570 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find rates as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Land Rover Discovery Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates every year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the coverage data covered above.

• It is possible to save approximately $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $455 each month if the policy includes full coverage
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,700 more annually than a safer driver