Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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U.S. average insurance rates for a Land Rover Discovery are $1,534 a year with full coverage. Comprehensive insurance costs approximately $332, collision costs $588, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $3,320 or more. Teen drivers pay the highest rates at $5,698 a year or more.

Average premium for full coverage: $1,534

Price estimates by individual coverage:

Comprehensive $332
Collision $588
Liability $456

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Discovery models.

Price Range from Low to High

For a driver around age 40, Land Rover Discovery insurance prices go from as low as $508 for just liability coverage to the much higher price of $3,320 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,534
High Risk $3,320

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,151
Small Cities $1,611
Large Cities $2,071

The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price 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.

Detailed Rate Analysis

The chart below details estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $876
  • Raising to $1,000 deductibles will save $210 annually
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,534
  • Choosing pricier low deductibles will cost an extra $404 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay around $3,320 or more
  • The price for full coverage for a teen driver for full coverage can cost $5,698

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance prices range from $876 to $5,698

Car insurance prices for a Land Rover Discovery are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

The state you live in also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find prices as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,070 on average in New York, Michigan, and Florida.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,386 -$148 -9.6%
Alaska $1,176 -$358 -23.3%
Arizona $1,272 -$262 -17.1%
Arkansas $1,534 -$0 0.0%
California $1,748 $214 14.0%
Colorado $1,464 -$70 -4.6%
Connecticut $1,576 $42 2.7%
Delaware $1,734 $200 13.0%
Florida $1,918 $384 25.0%
Georgia $1,414 -$120 -7.8%
Hawaii $1,102 -$432 -28.2%
Idaho $1,036 -$498 -32.5%
Illinois $1,142 -$392 -25.6%
Indiana $1,154 -$380 -24.8%
Iowa $1,034 -$500 -32.6%
Kansas $1,456 -$78 -5.1%
Kentucky $2,092 $558 36.4%
Louisiana $2,268 $734 47.8%
Maine $946 -$588 -38.3%
Maryland $1,264 -$270 -17.6%
Massachusetts $1,226 -$308 -20.1%
Michigan $2,662 $1,128 73.5%
Minnesota $1,284 -$250 -16.3%
Mississippi $1,836 $302 19.7%
Missouri $1,360 -$174 -11.3%
Montana $1,648 $114 7.4%
Nebraska $1,206 -$328 -21.4%
Nevada $1,836 $302 19.7%
New Hampshire $1,104 -$430 -28.0%
New Jersey $1,712 $178 11.6%
New Mexico $1,358 -$176 -11.5%
New York $1,614 $80 5.2%
North Carolina $882 -$652 -42.5%
North Dakota $1,252 -$282 -18.4%
Ohio $1,058 -$476 -31.0%
Oklahoma $1,574 $40 2.6%
Oregon $1,404 -$130 -8.5%
Pennsylvania $1,462 -$72 -4.7%
Rhode Island $2,046 $512 33.4%
South Carolina $1,388 -$146 -9.5%
South Dakota $1,294 -$240 -15.6%
Tennessee $1,342 -$192 -12.5%
Texas $1,846 $312 20.3%
Utah $1,134 -$400 -26.1%
Vermont $1,050 -$484 -31.6%
Virginia $918 -$616 -40.2%
Washington $1,186 -$348 -22.7%
West Virginia $1,404 -$130 -8.5%
Wisconsin $1,062 -$472 -30.8%
Wyoming $1,364 -$170 -11.1%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $620 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra each year, depending on your age. Land Rover Discovery insurance for high-risk drivers is expensive and can cost as much as 44% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Land Rover Discovery $424 $750 $390 $1,722
2023 Land Rover Discovery $406 $744 $398 $1,706
2022 Land Rover Discovery $394 $726 $416 $1,694
2021 Land Rover Discovery $380 $696 $430 $1,664
2020 Land Rover Discovery $358 $672 $442 $1,630
2019 Land Rover Discovery $344 $624 $452 $1,578
2018 Land Rover Discovery $332 $588 $456 $1,534
2017 Land Rover Discovery $318 $526 $460 $1,462

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 Find the Best Cheap Land Rover Discovery Insurance

Getting lower rates on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick review of the information covered above.

  • You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers pay the highest auto insurance prices, costing up to $475 a month if full coverage is included
  • Increasing physical damage deductibles can save around $625 each year
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,790 more per year than a driver with a clean driving record
  • Policyholders who purchase additional liability coverage will pay about $500 every year to raise from a low limit to 250/500 limits

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $5,698
20 $3,532
30 $1,598
40 $1,534
50 $1,398
60 $1,372

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,938
$250 $1,750
$500 $1,534
$1,000 $1,324

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,534
50/100 $1,625
100/300 $1,739
250/500 $2,036
100 CSL $1,671
300 CSL $1,922
500 CSL $2,104

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $8,142
20 $5,628
30 $3,392
40 $3,320
50 $3,170
60 $3,142

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.

SR-22 Surcharge $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $114
5-yr Claim Free $100
Paid in Full/EFT $71
Advance Quote $76
Online Quote $110
Total Discounts $658
Rate after discounts $876

Discounts are estimated and may not be available from every company or in every state.

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