Land Rover Discovery Insurance Rates

The average auto insurance rates for a Land Rover Discovery are $1,462 annually for full coverage insurance. Comprehensive insurance costs around $318, collision costs $526, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $3,158 or more. Teenage drivers cost the most to insure at $5,460 a year or more.

Average premium for full coverage: $1,462

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Land Rover Discovery insurance rates for additional coverage choices and driver risks.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save about $192 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,462
• Using more expensive low deductibles for comp and collision coverage costs an additional $370 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,158 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,460 each year

View Chart as Image

Insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $570 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Land Rover Discovery insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy Cheap Land Rover Discovery Insurance

Finding cheaper rates on insurance for a Land Rover Discovery takes avoiding accidents and violations, having a good credit history, being claim-free, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,700 more every year for car insurance
• It is possible to save up to $180 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Insureds who may need higher liability limits will pay an extra $510 annually to raise limits from a 30/60 limit to higher 250/500 limits