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2013 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: Nov 23, 2017

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Average insurance rates for a 2013 Land Rover LR2 are $1,286 a year for full coverage insurance. Comprehensive costs an estimated $268 a year, collision insurance costs $400, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,768. Teen drivers receive the highest rates at up to $4,896 a year.

Annual premium for full coverage: $1,286

Rate estimates for 2013 Land Rover LR2 Insurance

Comprehensive $268
Collision $400
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 range from as low as $510 for a discount liability-only rate to a high of $2,768 for a high risk driver.

Liability Only $510
Full Coverage $1,286
High Risk $2,768

View Chart as Image

2013 Land Rover LR2 insurance rates compared
Column chart showing 2013 Land Rover LR2 insurance prices range from $757 to $4,896 for full coverage

These differences illustrate why it is important for drivers to compare prices for a targeted area and risk profile, rather than using price averages.

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 2013 Land Rover LR2 Insurance

Searching Companies

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive best price available.

If you are paying for car insurance now, you should be able to save some money using these methods. Finding affordable coverage is not that difficult. But car owners do need to learn how big insurance companies market on the web because it can help you find the best coverage.

Be sure to get all your discounts

Companies offering auto insurance don’t list every available discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving.

  • Homeowners Pay Less – Owning a home can save you money because maintaining a house shows financial diligence.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on LR2 coverage.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Resident Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Insurance companies who might offer these money-saving discounts include:

Double check with every prospective company what discounts are available to you. Some discounts might not apply in your area.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs may require specific advice.

  • How do I buy GAP insurance?
  • Do I pay less for low miles?
  • Why am I required to get a high-risk car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when pulling a rental trailer?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I hit a deer?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, pain and suffering, structural damage, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, vandalism, hitting a bird and rock chips in glass. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Land Rover LR2.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays for damage to your LR2 caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, damaging your car on a curb, sideswiping another vehicle, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like prosthetic devices, dental work, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Be Smart and Buy Smart

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Throughout this article, we presented many ideas to get a better price on 2013 Land Rover LR2 insurance. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the smaller companies. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.

The cheapest insurance can be sourced both online as well as from independent agentsinsurance , and you need to price shop both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

For more information, feel free to browse these articles:

Rates by U.S. City

2013 Land Rover LR2 Insurance Rates by City
City Premium
New York City, NY $2,034
Los Angeles, CA $2,199
Philadelphia, PA $1,719
Jacksonville, FL $1,868
Phoenix, AZ $1,495
Chicago, IL $1,724
Houston, TX $2,018
Seattle, WA $1,257
Columbus, OH $1,077
Indianapolis, IN $1,094

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Land Rover LR2 Insurance Rates by Driver Age
Driver Age Premium
16 $4,896
20 $2,938
30 $1,330
40 $1,286
50 $1,176
60 $1,152

Full coverage, $500 deductibles

Rates by Deductible

2013 Land Rover LR2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,578
$250 $1,444
$500 $1,286
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,286
50/100 $1,378
100/300 $1,493
250/500 $1,792
100 CSL $1,424
300 CSL $1,677
500 CSL $1,861

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Land Rover LR2 Insurance Rates for High Risk Drivers
Age Premium
16 $6,954
20 $4,678
30 $2,818
40 $2,768
50 $2,644
60 $2,620

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $88
5-yr Claim Free $82
Paid in Full/EFT $54
Advance Quote $60
Online Quote $90
Total Discounts $529
Rate after discounts $757

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

Find companies with the cheapest rates in your area

2013 Land Rover LR2 Insurance Rates by State
State Premium
Alabama $1,164
Alaska $988
Arizona $1,068
Arkansas $1,286
California $1,466
Colorado $1,230
Connecticut $1,324
Delaware $1,458
Florida $1,610
Georgia $1,188
Hawaii $924
Idaho $872
Illinois $958
Indiana $968
Iowa $868
Kansas $1,222
Kentucky $1,756
Louisiana $1,906
Maine $796
Maryland $1,062
Massachusetts $1,030
Michigan $2,236
Minnesota $1,078
Mississippi $1,542
Missouri $1,142
Montana $1,382
Nebraska $1,016
Nevada $1,544
New Hampshire $928
New Jersey $1,440
New Mexico $1,140
New York $1,356
North Carolina $740
North Dakota $1,054
Ohio $890
Oklahoma $1,324
Oregon $1,180
Pennsylvania $1,228
Rhode Island $1,718
South Carolina $1,166
South Dakota $1,086
Tennessee $1,126
Texas $1,552
Utah $952
Vermont $882
Virginia $770
Washington $998
West Virginia $1,180
Wisconsin $892
Wyoming $1,146

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