Land Rover Discovery Insurance Rates

Estimated insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage insurance. Comprehensive costs approximately $318 a year, collision insurance costs $526, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $3,158. Teenage drivers pay the most at up to $5,460 a year.

Average premium for full coverage: $1,462

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Discovery trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates average Land Rover Discovery insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Using higher $1,000 deductibles will save $1,270 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,462
• Using low $100 deductibles for physical damage coverage increases the price to $1,832
• High-risk insureds who are prone to accidents and violations could pay around $3,158
• An auto insurance policy to insure a 16-year-old driver can cost $5,460 or more

View Chart as Image

Insurance prices for a Land Rover Discovery also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Discovery.

Using high physical damage deductibles could cut prices by as much as $570 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Land Rover Discovery insurance prices. A driver around age 40 might see prices as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Land Rover Discovery Insurance

Finding better rates on insurance for a Land Rover Discovery requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The list below is a brief review of the data covered in the above illustrations.

• Insureds who purchase higher liability limits will pay an extra $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
• It is possible to save around $180 per year just by quoting early and online
• Increasing policy deductibles could save as much as $550 each year
• Teenagers are expensive to insure, with premiums being up to $455 per month if they have full coverage