Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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The average auto insurance rates for a Land Rover Discovery are $1,462 annually for full coverage. Comprehensive costs an estimated $318 each year, collision costs $526, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $3,158. 16-year-old drivers cost the most to insure at $5,460 a year or more.

Average premium for full coverage: $1,462

Policy rates broken down by type of insurance:

Comprehensive $318
Collision $526
Liability $460

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Discovery models.

Price Range Variability

Using a 40-year-old driver as an example, Land Rover Discovery insurance rates go from as cheap as $510 for minimum levels of liability insurance to a high rate of $3,158 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

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

The examples above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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.

Additional Rate Details

The chart below shows estimated Land Rover Discovery insurance rates for other coverage scenarios.

  • The best full coverage rate is $844
  • Raising to $1,000 deductibles will save approximately $192 a year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,462
  • Buying low deductibles will cost $1,832
  • At-risk drivers with multiple tickets or accidents could pay up to $3,158 or more
  • Policy cost with full coverage for a teen driver can cost as much as $5,460

View Chart as Image

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

Auto insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $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 could be paying $1,700 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $570 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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

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

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

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 Buy Low Cost Land Rover Discovery Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the information raised in the charts and tables above.

  • Drivers can save approximately $180 per year simply by quoting online in advance
  • Teenagers are the costliest to insure, costing up to $455 each month if full coverage is included
  • Increasing comprehensive and collision deductibles could save up to $550 each year
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,700 more annually for car insurance
  • Policyholders who want higher liability limits will pay around $510 each year to raise from a 30/60 limit to higher 250/500 limits

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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