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2012 Land Rover LR2 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2012 Land Rover LR2 are $1,236 a year for full coverage insurance. Comprehensive costs around $250, collision costs $368, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,662. Teenage drivers receive the highest rates at $4,744 a year or more.

Annual premium for full coverage: $1,236

Rate estimates for 2012 Land Rover LR2 Insurance

Comprehensive $250
Collision $368
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Land Rover LR2 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $510 for the bare minimum liability coverage to the much higher price of $2,662 for a high risk driver.

Liability Only $510
Full Coverage $1,236
High Risk $2,662

View Chart as Image

2012 Land Rover LR2 insurance rates compared
Column chart showing 2012 Land Rover LR2 insurance prices range from $730 to $4,744 for full coverage

These differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Land Rover LR2 Insurance

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Nobody I know looks forward to paying for car insurance, especially when the cost is too high.

Numerous insurers battle to insure your vehicles, and because of this it can be hard to compare insurance companies to get the best rates possible.

You should take the time to shop coverage around at least once a year because prices are rarely the same from one policy term to another. If you had the lowest rates on LR2 insurance two years ago you may be paying too much now. Starting now, ignore everything you know about car insurance because you’re going to get a crash course in the fastest way to find better rates and still maintain coverage.

How to Get Car Insurance Comparison Quotes

To find the best car insurance prices, there are several ways of comparing price quotes from car insurance companies in your area. The simplest method to find the cheapest 2012 Land Rover LR2 insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

  1. The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do separate forms to each individual car insurance company. One form compares rates from all major companies.
  2. A more difficult way to compare rate quotes is spending the time to visit each company website and complete a new quote form. For instance, we’ll assume you want rates from USAA, GEICO and Allstate. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended way to get comparison rates is driving around to and from local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you want the professional guidance that only a license agent can provide. Drivers can obtain prices from the web but still have the advice of a local agent.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage information for every quote you compare. If your comparisons have different values for each quote it’s not possible to determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. It’s important to know that quoting more helps locate the best offered rates.

These discounts can lower your rates

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be specifically requested before you get the savings.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Distant Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Factory air bags can get savings of 20% or more.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company may reduce the rate for each vehicle.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut your overall premium however.

Insurance companies that may have these discounts include:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in every state.

Different people need different coverages

When buying the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I carry comprehensive and collision coverage?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to a rental car in a foreign country?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I rate my 2012 Land Rover LR2 as pleasure use or commute?
  • What is the minimum liability in my state?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages 101

Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like surgery, dental work, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane and hail damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This protects you from damage that occurs to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical services, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Land Rover LR2.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage protection

Collision insurance pays for damage to your LR2 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, crashing into a building, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Rates by U.S. City

2012 Land Rover LR2 Insurance Rates by City
City Premium
New York City, NY $1,956
Los Angeles, CA $2,115
Philadelphia, PA $1,655
Jacksonville, FL $1,796
Phoenix, AZ $1,439
Chicago, IL $1,656
Houston, TX $1,940
Seattle, WA $1,207
Columbus, OH $1,036
Indianapolis, IN $1,053

Need a specific model?

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Rates by Driver Age

2012 Land Rover LR2 Insurance Rates by Driver Age
Driver Age Premium
16 $4,744
20 $2,826
30 $1,276
40 $1,236
50 $1,132
60 $1,108

Full coverage, $500 deductibles

Rates by Deductible

2012 Land Rover LR2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,508
$250 $1,382
$500 $1,236
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,236
50/100 $1,328
100/300 $1,443
250/500 $1,742
100 CSL $1,374
300 CSL $1,627
500 CSL $1,811

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Land Rover LR2 Insurance Rates for High Risk Drivers
Age Premium
16 $6,728
20 $4,498
30 $2,706
40 $2,662
50 $2,542
60 $2,518

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $79
Paid in Full/EFT $51
Advance Quote $57
Online Quote $86
Total Discounts $506
Rate after discounts $730

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

Find companies with the cheapest rates in your area

2012 Land Rover LR2 Insurance Rates by State
State Premium
Alabama $1,118
Alaska $948
Arizona $1,028
Arkansas $1,236
California $1,410
Colorado $1,184
Connecticut $1,272
Delaware $1,400
Florida $1,548
Georgia $1,142
Hawaii $888
Idaho $838
Illinois $920
Indiana $932
Iowa $834
Kansas $1,176
Kentucky $1,688
Louisiana $1,832
Maine $764
Maryland $1,022
Massachusetts $990
Michigan $2,150
Minnesota $1,036
Mississippi $1,482
Missouri $1,096
Montana $1,330
Nebraska $976
Nevada $1,484
New Hampshire $892
New Jersey $1,384
New Mexico $1,096
New York $1,304
North Carolina $712
North Dakota $1,014
Ohio $856
Oklahoma $1,272
Oregon $1,134
Pennsylvania $1,182
Rhode Island $1,652
South Carolina $1,122
South Dakota $1,044
Tennessee $1,084
Texas $1,492
Utah $916
Vermont $848
Virginia $740
Washington $958
West Virginia $1,134
Wisconsin $856
Wyoming $1,104

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