Land Rover Discovery Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 17, 2024
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Estimated insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage. Comprehensive costs approximately $318, collision costs $526, and liability coverage is $460. A policy with only liability insurance costs around $510 a year, with a high-risk policy costing around $3,158. 16-year-old drivers pay the most at $5,460 a year or more.
Average premium for full coverage: $1,462
Premium estimates by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Discovery models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Land Rover Discovery go from the cheapest price of $510 for just liability insurance to the much higher price of $3,158 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.
The example below illustrates how location helps determine auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location and their own driving history, rather than 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.
More Rate Details
The chart below shows estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $844
- Raising to $1,000 deductibles will save $192 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,462
- Buying pricier low deductibles increases the price to $1,832
- Unlucky drivers with multiple tickets or accidents could pay around $3,158 or more
- An auto insurance policy to insure a teenage driver for full coverage can cost $5,460
Car insurance prices for a Land Rover Discovery also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Discovery.
Opting for high physical damage deductibles can reduce prices by up to $570 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Land Rover Discovery insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Land Rover Discovery insurance rates. A middle-age driver might find prices 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.
| 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% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
| 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 Shop for the Best Cheap Land Rover Discovery Insurance
Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a quick review of the car insurance concepts covered in the charts and tables above.
- Drivers with a DUI or reckless driving violation may pay on average $1,700 more per year to insure their Discovery
- Drivers can save around $180 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $550 each year
- Consumers who purchase more liability coverage will pay around $510 each year to raise from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,662 |
| $500 | $1,462 |
| $1,000 | $1,270 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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