Land Rover Discovery Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated auto insurance rates for a Land Rover Discovery are $1,006 annually with full coverage. Comprehensive insurance costs around $182, collision costs $224, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,154 or more. 16-year-old drivers pay the most at $3,996 a year or more.
Average premium for full coverage: $1,006
Premium estimates for type of coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Discovery models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Land Rover Discovery go from as cheap as $496 for a discount liability-only rate to the much higher price of $2,154 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.
The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Land Rover Discovery insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $613
- Raising to $1,000 deductibles will save about $94 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,006
- Buying pricier low deductibles costs an additional $176 annually
- Drivers with multiple tickets or accidents could pay at least $2,154 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $3,996
Insurance prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your driving record, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,200 to $1,700 additional annually, depending on your age. Land Rover Discovery insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $270 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find prices as low as $730 a year in states like New Hampshire, Ohio, and Utah, or at least $1,360 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $912 | -$94 | -9.3% |
| Alaska | $774 | -$232 | -23.1% |
| Arizona | $838 | -$168 | -16.7% |
| Arkansas | $1,006 | -$0 | 0.0% |
| California | $1,148 | $142 | 14.1% |
| Colorado | $962 | -$44 | -4.4% |
| Connecticut | $1,036 | $30 | 3.0% |
| Delaware | $1,140 | $134 | 13.3% |
| Florida | $1,260 | $254 | 25.2% |
| Georgia | $928 | -$78 | -7.8% |
| Hawaii | $724 | -$282 | -28.0% |
| Idaho | $682 | -$324 | -32.2% |
| Illinois | $750 | -$256 | -25.4% |
| Indiana | $758 | -$248 | -24.7% |
| Iowa | $680 | -$326 | -32.4% |
| Kansas | $958 | -$48 | -4.8% |
| Kentucky | $1,376 | $370 | 36.8% |
| Louisiana | $1,492 | $486 | 48.3% |
| Maine | $620 | -$386 | -38.4% |
| Maryland | $830 | -$176 | -17.5% |
| Massachusetts | $808 | -$198 | -19.7% |
| Michigan | $1,752 | $746 | 74.2% |
| Minnesota | $842 | -$164 | -16.3% |
| Mississippi | $1,206 | $200 | 19.9% |
| Missouri | $892 | -$114 | -11.3% |
| Montana | $1,082 | $76 | 7.6% |
| Nebraska | $794 | -$212 | -21.1% |
| Nevada | $1,208 | $202 | 20.1% |
| New Hampshire | $726 | -$280 | -27.8% |
| New Jersey | $1,126 | $120 | 11.9% |
| New Mexico | $892 | -$114 | -11.3% |
| New York | $1,062 | $56 | 5.6% |
| North Carolina | $580 | -$426 | -42.3% |
| North Dakota | $826 | -$180 | -17.9% |
| Ohio | $696 | -$310 | -30.8% |
| Oklahoma | $1,036 | $30 | 3.0% |
| Oregon | $924 | -$82 | -8.2% |
| Pennsylvania | $962 | -$44 | -4.4% |
| Rhode Island | $1,344 | $338 | 33.6% |
| South Carolina | $912 | -$94 | -9.3% |
| South Dakota | $850 | -$156 | -15.5% |
| Tennessee | $884 | -$122 | -12.1% |
| Texas | $1,214 | $208 | 20.7% |
| Utah | $748 | -$258 | -25.6% |
| Vermont | $690 | -$316 | -31.4% |
| Virginia | $604 | -$402 | -40.0% |
| Washington | $780 | -$226 | -22.5% |
| West Virginia | $924 | -$82 | -8.2% |
| Wisconsin | $698 | -$308 | -30.6% |
| Wyoming | $898 | -$108 | -10.7% |
With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2004 Land Rover Discovery | $182 | $224 | $442 | $1,006 |
Rates are averaged for all Land Rover Discovery models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Land Rover Discovery Insurance
Finding better rates on insurance for a Land Rover Discovery consists of being safe and accident-free, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
Below you'll find a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Insureds who may need more liability protection will pay around $490 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Youthful drivers are charged the highest prices, possibly costing $333 per month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,150 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,996 |
| 20 | $2,288 |
| 30 | $1,028 |
| 40 | $1,006 |
| 50 | $922 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,182 |
| $250 | $1,102 |
| $500 | $1,006 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,006 |
| 50/100 | $1,094 |
| 100/300 | $1,205 |
| 250/500 | $1,492 |
| 100 CSL | $1,139 |
| 300 CSL | $1,382 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,642 |
| 30 | $2,176 |
| 40 | $2,154 |
| 50 | $2,060 |
| 60 | $2,040 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $393 |
Discounts are estimated and may not be available from every company or in every state.
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