Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage insurance. Comprehensive costs around $318 a year, collision insurance costs $526, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $3,158. Teenage drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $844
• Using higher $1,000 deductibles will save about $1,270 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,462
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,832
• Drivers who are prone to accidents and violations could pay at least $3,158
• Policy cost that insures a teen driver can be $5,460 or more

View Chart as Image

Auto insurance rates for a Land Rover Discovery also range considerably based on the trim level of your Discovery, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $570 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Land Rover Discovery Insurance

Finding cheaper rates on car insurance requires being a good driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every other renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the concepts that were illustrated above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,700 more every year than a safer driver
• Drivers age 16 to 20 are expensive to insure, possibly costing $455 each month if the policy includes full coverage
• It is possible to save up to $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• It is possible to save up to $180 per year just by quoting early and online