Land Rover Discovery Insurance Rates

Average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage insurance. Comprehensive insurance costs approximately $318 each year, collision costs $526, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $3,158 or more. Teenage drivers receive the highest rates at $5,460 a year or more.

Average premium for full coverage: $1,462

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why all drivers should get quotes using their specific location, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save $192 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,462
• Using low deductibles for comp and collision coverage will cost an additional $370 each year
• Drivers who are prone to accidents and violations could pay around $3,158 or more
• The cost that insures a teenage driver can cost $5,460 each year

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $570 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

How to Find Affordable Land Rover Discovery Insurance

Saving money on auto insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a brief review of the information covered in the above illustrations.

• It is possible to save around $180 per year simply by quoting online in advance
• Teen drivers are the costliest to insure, costing up to $455 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $550 each year
• Drivers with DUI or reckless driving convictions could be charged and average of $1,700 more per year to insure their Discovery
• Consumers who purchase more liability coverage will pay an extra $510 annually to raise limits from a minimum limit to the 250/500 level