Land Rover Discovery Insurance Rates

Estimated insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive costs around $318 a year, collision insurance costs $526, and liability insurance is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $3,158. Teens pay the most at up to $5,460 a year.

Average premium for full coverage: $1,462

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Discovery trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

These rate differences show why it is important to compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $844
• Raising to $1,000 deductibles will save about $1,270 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,462
• Selecting low $100 deductibles bumps up the cost to $1,832
• Higher-risk drivers with serious driving violations could pay at least $3,158
• An auto insurance policy that insures a teen driver can be $5,460

View Chart as Image

Insurance prices for a Land Rover Discovery also have a wide range based on the trim level of your Discovery, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,700 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find prices as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $570 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Land Rover Discovery Insurance

Finding better rates on Land Rover Discovery insurance consists of being a good driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates at every policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a brief review of the data illustrated above.

• Drivers who may need an increased level of liability coverage will pay approximately $510 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers can save up to $180 per year just by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• Drivers age 16 to 20 are charged the highest prices, as much as $455 per month if comprehensive and collision insurance is included