Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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Estimated insurance rates for a Land Rover Discovery are $1,462 a year with full coverage. Comprehensive costs around $318 each year, collision insurance costs $526, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk 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:

Comprehensive $318
Collision $526
Liability $460

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Discovery models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Land Rover Discovery range from the low end price of $510 for just liability coverage to a high rate of $3,158 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,462
High Risk $3,158

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

These rate differences demonstrate why all drivers should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

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

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $844
  • Drivers who choose higher $1,000 deductibles will pay about $192 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,462
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,832
  • Drivers with serious driving violations could pay at least $3,158
  • An auto insurance policy that insures a 16-year-old driver can be $5,460 a year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing Land Rover Discovery insurance rates range from $844 to $5,460 for full coverage

Auto insurance prices for a Land Rover Discovery also have a wide range based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year 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 will have to pay as much as $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,216 -$246 -16.8%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,396 -$66 -4.5%
Connecticut $1,504 $42 2.9%
Delaware $1,654 $192 13.1%
Florida $1,828 $366 25.0%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $988 -$474 -32.4%
Illinois $1,088 -$374 -25.6%
Indiana $1,102 -$360 -24.6%
Iowa $986 -$476 -32.6%
Kansas $1,390 -$72 -4.9%
Kentucky $1,994 $532 36.4%
Louisiana $2,164 $702 48.0%
Maine $902 -$560 -38.3%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,170 -$292 -20.0%
Michigan $2,538 $1,076 73.6%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,750 $288 19.7%
Missouri $1,298 -$164 -11.2%
Montana $1,570 $108 7.4%
Nebraska $1,152 -$310 -21.2%
Nevada $1,754 $292 20.0%
New Hampshire $1,054 -$408 -27.9%
New Jersey $1,634 $172 11.8%
New Mexico $1,294 -$168 -11.5%
New York $1,540 $78 5.3%
North Carolina $842 -$620 -42.4%
North Dakota $1,198 -$264 -18.1%
Ohio $1,010 -$452 -30.9%
Oklahoma $1,502 $40 2.7%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,952 $490 33.5%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,234 -$228 -15.6%
Tennessee $1,280 -$182 -12.4%
Texas $1,762 $300 20.5%
Utah $1,082 -$380 -26.0%
Vermont $1,000 -$462 -31.6%
Virginia $876 -$586 -40.1%
Washington $1,130 -$332 -22.7%
West Virginia $1,338 -$124 -8.5%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,302 -$160 -10.9%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $570 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Land Rover Discovery $406 $744 $398 $1,706
2023 Land Rover Discovery $394 $726 $416 $1,694
2022 Land Rover Discovery $380 $696 $430 $1,664
2021 Land Rover Discovery $358 $672 $442 $1,630
2020 Land Rover Discovery $344 $624 $452 $1,578
2019 Land Rover Discovery $332 $588 $456 $1,534
2018 Land Rover Discovery $318 $526 $460 $1,462
2017 Land Rover Discovery $296 $484 $460 $1,398

Rates are averaged for all Land Rover Discovery models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Land Rover Discovery Insurance

Finding better rates on insurance for a Land Rover Discovery not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates at every other renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a review of the concepts that were illustrated above.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,700 more every year to insure their Discovery
  • Teen drivers are expensive to insure, possibly costing $455 per month if the policy includes full coverage
  • You may be able to save up to $180 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $550 each year
  • You may be able to save up to $180 per year just by quoting online in advance

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $5,460
20 $3,356
30 $1,520
40 $1,462
50 $1,334
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,832
$250 $1,662
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,554
100/300 $1,669
250/500 $1,968
100 CSL $1,600
300 CSL $1,853
500 CSL $2,037

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $7,790
20 $5,344
30 $3,226
40 $3,158
50 $3,014
60 $2,988

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 $203

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $95
Paid in Full/EFT $65
Advance Quote $71
Online Quote $104
Total Discounts $618
Rate after discounts $844

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

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