Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year with full coverage. Comprehensive costs an estimated $318 a year, collision costs $526, and liability 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:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $844
• Raising to $1,000 deductibles will save approximately $1,270 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,462
• Using low $100 deductibles bumps up the cost to $1,832
• At-risk drivers who are prone to accidents and violations could pay up to $3,158 or more
• Policy cost that insures a teen driver 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 trim level of your Discovery, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may 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 prices. A middle-age driver might find rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $570 every year, while buying higher liability limits will increase premiums. Moving 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 find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Find the Cheapest Land Rover Discovery Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.

The following list is a recap of the material that was touched on in this article.

• Policyholders who want an increased level of liability coverage will pay an extra $510 every year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, as much as $455 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,700 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $550 each year