Land Rover Discovery Sport 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...
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UPDATED: Apr 3, 2024
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Estimated insurance rates for a Land Rover Discovery Sport are $1,308 a year for full coverage. Comprehensive insurance costs approximately $268, collision costs $418, and liability insurance is $464. A policy with only liability insurance costs around $514 a year, with a high-risk policy costing $2,824 or more. 16-year-old drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,308
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Discovery Sport trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Land Rover Discovery Sport go from as low as $514 for a discount liability-only rate to a much higher rate of $2,824 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how your location can change auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Land Rover Discovery Sport insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $766
- Raising to $1,000 deductibles will save $156 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,308
- Buying more expensive low deductibles will cost an extra $300 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,824 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,982
Car insurance prices for a Land Rover Discovery Sport also have a wide range based on your driving characteristics, the trim level of your Discovery Sport, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age
Where you choose to live also has a big influence on Land Rover Discovery Sport insurance rates. A middle-age driver might find prices as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$124 | -9.5% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,492 | $184 | 14.1% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,348 | $40 | 3.1% |
| Delaware | $1,482 | $174 | 13.3% |
| Florida | $1,638 | $330 | 25.2% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $884 | -$424 | -32.4% |
| Kansas | $1,244 | -$64 | -4.9% |
| Kentucky | $1,786 | $478 | 36.5% |
| Louisiana | $1,938 | $630 | 48.2% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,080 | -$228 | -17.4% |
| Massachusetts | $1,048 | -$260 | -19.9% |
| Michigan | $2,274 | $966 | 73.9% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,406 | $98 | 7.5% |
| Nebraska | $1,034 | -$274 | -20.9% |
| Nevada | $1,568 | $260 | 19.9% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,462 | $154 | 11.8% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $904 | -$404 | -30.9% |
| Oklahoma | $1,344 | $36 | 2.8% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,748 | $440 | 33.6% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,148 | -$160 | -12.2% |
| Texas | $1,580 | $272 | 20.8% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $898 | -$410 | -31.3% |
| Virginia | $784 | -$524 | -40.1% |
| Washington | $1,012 | -$296 | -22.6% |
| West Virginia | $1,200 | -$108 | -8.3% |
| Wisconsin | $908 | -$400 | -30.6% |
| Wyoming | $1,168 | -$140 | -10.7% |
Opting for high physical damage deductibles can reduce prices by up to $460 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2023 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2022 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2021 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2020 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2019 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2018 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2017 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
| 2016 Land Rover Discovery Sport | $268 | $418 | $464 | $1,308 |
| 2015 Land Rover Discovery Sport | $262 | $390 | $474 | $1,284 |
Rates are averaged for all Land Rover Discovery Sport 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 Cheaper Land Rover Discovery Sport Insurance
Finding better rates on Land Rover Discovery Sport insurance consists of having a good driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a condensed summary of the data that was illustrated above.
- Drivers can save around $150 per year simply by shopping early and online
- Drivers who purchase increased levels of liability coverage will pay around $510 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $415 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,520 more per year to buy Land Rover Discovery Sport insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,982 |
| 20 | $2,996 |
| 30 | $1,354 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,401 |
| 100/300 | $1,517 |
| 250/500 | $1,818 |
| 100 CSL | $1,447 |
| 300 CSL | $1,702 |
| 500 CSL | $1,888 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,082 |
| 20 | $4,772 |
| 30 | $2,872 |
| 40 | $2,824 |
| 50 | $2,694 |
| 60 | $2,670 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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