Land Rover Discovery Insurance Rates

Estimated insurance rates for a Land Rover Discovery are $1,534 a year for full coverage. Comprehensive costs an estimated $332 each year, collision insurance costs $588, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $3,320. 16-year-old drivers pay the most at up to $5,698 a year.

Average premium for full coverage: $1,534

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Discovery models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

These rate differences show why all drivers should compare rates for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $876
• Drivers who choose higher $1,000 deductibles will pay approximately $210 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,534
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,938
• High-risk insureds with multiple tickets or accidents could pay up to $3,320
• An auto insurance policy for full coverage for a teenage driver can cost as much as $5,698 a year

View Chart as Image

Insurance prices for a Land Rover Discovery also have a wide range based on your driving characteristics, the trim level of your Discovery, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,600 a year. View Rates by Age

Where you choose to live makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Iowa, Maine, and Idaho, or at least $2,190 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $620 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Land Rover Discovery Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and possibly raising deductibles. Make time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a review of the ideas that were touched on in this article.

• Teenage drivers are expensive to insure, as much as $475 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay an average of $1,790 more annually for auto insurance
• Increasing policy deductibles can save around $625 each year
• Drivers can save approximately $190 per year just by quoting online in advance