Land Rover Discovery Sport Insurance Rates
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Michelle Robbins
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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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The average insurance rates for a Land Rover Discovery Sport are $1,308 a year with full coverage. Comprehensive costs approximately $268 a year, collision costs $418, and liability insurance is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing around $2,824. Teens cost the most to insure at $4,982 a year or more.
Average premium for full coverage: $1,308
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Discovery Sport trim levels.
Price Range Variability
For a 40-year-old driver, Land Rover Discovery Sport insurance rates go from as low as $514 for liability-only coverage to a high of $2,824 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.
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 Charts and Tables
The chart below details estimated Land Rover Discovery Sport insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $766
- Raising to $1,000 deductibles will save $1,152 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,308
- Selecting low $100 deductibles will increase the cost to $1,608
- Higher-risk drivers with serious driving violations could pay around $2,824 or more
- Policy cost for full coverage for a teen driver can cost $4,982
Insurance rates for a Land Rover Discovery Sport also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state also has a big influence on Land Rover Discovery Sport insurance rates. A middle-age driver might find rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $460 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied 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 the Best Land Rover Discovery Sport Insurance
Finding cheaper rates on Land Rover Discovery Sport insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief recap of the coverage data illustrated above.
- You may be able to save around $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $450 each year
- Teenage drivers are the costliest to insure, as much as $415 each month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations pay on average $1,520 more per year for auto 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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