Land Rover Discovery Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 17, 2024
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U.S. average insurance rates for a Land Rover Discovery are $1,534 a year for full coverage insurance. Comprehensive costs on average $332 a year, collision insurance costs $588, and liability coverage is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $3,320. Teenage drivers pay the highest rates at up to $5,698 a year.
Average premium for full coverage: $1,534
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Discovery trim levels.
Price Range from Low to High
For the normal driver, Land Rover Discovery insurance prices range from the low end price of $508 for a discount liability-only rate to a high of $3,320 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why it is important to compare rates quotes based on a specific location, rather than using average rates.
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.
Rates by State, City, and Model
The chart below illustrates average Land Rover Discovery insurance rates for different risk profiles and scenarios.
- The best discount rate is $876
- Raising to $1,000 deductibles will save around $1,324 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,534
- Using low $100 deductibles bumps up the cost to $1,938
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,320
- The price that insures a teenage driver may cost $5,698
Auto insurance prices for a Land Rover Discovery are also quite variable based on the trim level of your Discovery, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,600 a year. View Rates by Age
The state you live in also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,070 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,386 | -$148 | -9.6% |
| Alaska | $1,176 | -$358 | -23.3% |
| Arizona | $1,272 | -$262 | -17.1% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,748 | $214 | 14.0% |
| Colorado | $1,464 | -$70 | -4.6% |
| Connecticut | $1,576 | $42 | 2.7% |
| Delaware | $1,734 | $200 | 13.0% |
| Florida | $1,918 | $384 | 25.0% |
| Georgia | $1,414 | -$120 | -7.8% |
| Hawaii | $1,102 | -$432 | -28.2% |
| Idaho | $1,036 | -$498 | -32.5% |
| Illinois | $1,142 | -$392 | -25.6% |
| Indiana | $1,154 | -$380 | -24.8% |
| Iowa | $1,034 | -$500 | -32.6% |
| Kansas | $1,456 | -$78 | -5.1% |
| Kentucky | $2,092 | $558 | 36.4% |
| Louisiana | $2,268 | $734 | 47.8% |
| Maine | $946 | -$588 | -38.3% |
| Maryland | $1,264 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$308 | -20.1% |
| Michigan | $2,662 | $1,128 | 73.5% |
| Minnesota | $1,284 | -$250 | -16.3% |
| Mississippi | $1,836 | $302 | 19.7% |
| Missouri | $1,360 | -$174 | -11.3% |
| Montana | $1,648 | $114 | 7.4% |
| Nebraska | $1,206 | -$328 | -21.4% |
| Nevada | $1,836 | $302 | 19.7% |
| New Hampshire | $1,104 | -$430 | -28.0% |
| New Jersey | $1,712 | $178 | 11.6% |
| New Mexico | $1,358 | -$176 | -11.5% |
| New York | $1,614 | $80 | 5.2% |
| North Carolina | $882 | -$652 | -42.5% |
| North Dakota | $1,252 | -$282 | -18.4% |
| Ohio | $1,058 | -$476 | -31.0% |
| Oklahoma | $1,574 | $40 | 2.6% |
| Oregon | $1,404 | -$130 | -8.5% |
| Pennsylvania | $1,462 | -$72 | -4.7% |
| Rhode Island | $2,046 | $512 | 33.4% |
| South Carolina | $1,388 | -$146 | -9.5% |
| South Dakota | $1,294 | -$240 | -15.6% |
| Tennessee | $1,342 | -$192 | -12.5% |
| Texas | $1,846 | $312 | 20.3% |
| Utah | $1,134 | -$400 | -26.1% |
| Vermont | $1,050 | -$484 | -31.6% |
| Virginia | $918 | -$616 | -40.2% |
| Washington | $1,186 | -$348 | -22.7% |
| West Virginia | $1,404 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,364 | -$170 | -11.1% |
Using high physical damage deductibles can reduce prices by up to $620 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2023 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2022 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2021 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2020 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2019 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2018 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2017 Land Rover Discovery | $318 | $526 | $460 | $1,462 |
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 the Right Land Rover Discovery Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The items below are a quick rundown of the information presented in the illustrations above.
- It is possible to save as much as $190 per year just by quoting early and online
- Teen drivers are charged the highest prices, as much as $475 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $625 each year
- Drivers with reckless driving or DUI convictions may pay on average $1,790 more each year to insure their Discovery
- Consumers who require more liability coverage will pay an extra $500 annually to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,698 |
| 20 | $3,532 |
| 30 | $1,598 |
| 40 | $1,534 |
| 50 | $1,398 |
| 60 | $1,372 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,938 |
| $250 | $1,750 |
| $500 | $1,534 |
| $1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,142 |
| 20 | $5,628 |
| 30 | $3,392 |
| 40 | $3,320 |
| 50 | $3,170 |
| 60 | $3,142 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $76 |
| Online Quote | $110 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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