Land Rover Discovery Insurance Rates

U.S. average 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 costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $3,158. Teenage drivers pay the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Price estimates for individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Discovery trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code, rather than relying on average rates.

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 best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay about $1,270 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,462
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,832
• High risk drivers who are prone to accidents and violations could pay at least $3,158
• The price that insures a teen driver can be $5,460 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,400 a year. View Rates by Age

The state you live in makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save 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 increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Land Rover Discovery Insurance

Getting lower rates on Land Rover Discovery insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every other renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

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

• High-risk drivers who have multiple accidents or major violations pay on average $1,700 more every year to insure their Discovery
• Teen drivers pay higher prices, with premiums as much as $455 a month if full coverage is included
• Drivers can save up to $180 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers can save up to $180 per year just by quoting early and online