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...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Land Rover Discovery Sport are $1,342 annually with full coverage. Comprehensive insurance costs on average $278 each year, collision costs $446, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,896 or more. 16-year-old drivers pay the highest rates at $5,088 a year or more.
Average premium for full coverage: $1,342
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Discovery Sport models.
Price Range from Low to High
For an average driver, Land Rover Discovery Sport insurance prices go from as cheap as $510 for the bare minimum liability coverage to a high rate of $2,896 for high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below details estimated Land Rover Discovery Sport insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $782
- Choosing higher $1,000 deductibles can save around $164 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,342
- Buying low deductibles for comp and collision coverage costs an additional $318 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,896 or more
- The price with full coverage for a teen driver may cost $5,088 each year
Auto insurance prices for a Land Rover Discovery Sport are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $490 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Land Rover Discovery Sport insurance rates. A good driver about age 40 could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,030 | -$312 | -23.2% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,530 | $188 | 14.0% |
| Colorado | $1,284 | -$58 | -4.3% |
| Connecticut | $1,380 | $38 | 2.8% |
| Delaware | $1,518 | $176 | 13.1% |
| Florida | $1,678 | $336 | 25.0% |
| Georgia | $1,240 | -$102 | -7.6% |
| Hawaii | $964 | -$378 | -28.2% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $1,000 | -$342 | -25.5% |
| Indiana | $1,010 | -$332 | -24.7% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,276 | -$66 | -4.9% |
| Kentucky | $1,832 | $490 | 36.5% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,074 | -$268 | -20.0% |
| Michigan | $2,332 | $990 | 73.8% |
| Minnesota | $1,124 | -$218 | -16.2% |
| Mississippi | $1,608 | $266 | 19.8% |
| Missouri | $1,192 | -$150 | -11.2% |
| Montana | $1,442 | $100 | 7.5% |
| Nebraska | $1,060 | -$282 | -21.0% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $968 | -$374 | -27.9% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,188 | -$154 | -11.5% |
| New York | $1,414 | $72 | 5.4% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,098 | -$244 | -18.2% |
| Ohio | $928 | -$414 | -30.8% |
| Oklahoma | $1,380 | $38 | 2.8% |
| Oregon | $1,230 | -$112 | -8.3% |
| Pennsylvania | $1,280 | -$62 | -4.6% |
| Rhode Island | $1,792 | $450 | 33.5% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,176 | -$166 | -12.4% |
| Texas | $1,618 | $276 | 20.6% |
| Utah | $994 | -$348 | -25.9% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $804 | -$538 | -40.1% |
| Washington | $1,038 | -$304 | -22.7% |
| West Virginia | $1,230 | -$112 | -8.3% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,196 | -$146 | -10.9% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $398 | $690 | $390 | $1,636 |
| 2023 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2022 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2021 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2020 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2019 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2018 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2017 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2016 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
| 2015 Land Rover Discovery Sport | $268 | $418 | $464 | $1,308 |
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 Buy the Right Land Rover Discovery Sport Insurance
Getting lower rates on Land Rover Discovery Sport insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a quick rundown of the material that was covered in the above illustrations.
- Drivers who require higher levels of liability will pay around $510 every year to raise limits from a low limit to higher 250/500 limits
- Teenage drivers are charged the highest prices, costing up to $424 a month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions pay an average of $1,550 more each year for auto insurance
- Increasing physical damage deductibles could save up to $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,088 |
| 20 | $3,078 |
| 30 | $1,390 |
| 40 | $1,342 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,512 |
| $500 | $1,342 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,434 |
| 100/300 | $1,549 |
| 250/500 | $1,848 |
| 100 CSL | $1,480 |
| 300 CSL | $1,733 |
| 500 CSL | $1,917 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,900 |
| 30 | $2,952 |
| 40 | $2,896 |
| 50 | $2,766 |
| 60 | $2,740 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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