Land Rover Discovery Sport Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Land Rover Discovery Sport are $1,400 a year for full coverage. Comprehensive insurance costs an estimated $298 a year, collision insurance costs $484, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $3,024 or more. Teens pay the highest rates at up to $5,268 a year.
Average premium for full coverage: $1,400
Price estimates broken down by individual coverage:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Discovery Sport trim levels.
Price Range from Low to High
For a driver in their 40's, Land Rover Discovery Sport insurance prices range from the low end price of $510 for liability-only coverage to a high of $3,024 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.
The ranges above show why it is important to compare rates for a targeted area, instead of making a decision based 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 shows average Land Rover Discovery Sport insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $812
- Drivers who choose higher $1,000 deductibles will pay approximately $1,222 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,400
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $344 annually
- Drivers with serious driving violations could pay up to $3,024
- The price that insures a 16-year-old driver can cost as much as $5,268 a year
Car insurance prices for a Land Rover Discovery Sport are also quite variable based on the trim level of your Discovery Sport, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,200 a year. View Rates by Age
The state you live in makes a big difference in Land Rover Discovery Sport insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,292 | -$108 | -7.7% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,676 | $276 | 19.7% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,282 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,282 | -$118 | -8.4% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,250 | -$150 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could save up to $530 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $418 | $718 | $372 | $1,666 |
| 2023 Land Rover Discovery Sport | $398 | $690 | $390 | $1,636 |
| 2022 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2021 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2020 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2019 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2018 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2017 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2016 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2015 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
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 Cheapest Land Rover Discovery Sport Insurance
Getting lower rates on insurance for a Land Rover Discovery Sport not only requires having a good driving record, but also having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,620 more annually to buy Land Rover Discovery Sport insurance
- Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $439 a month if full coverage is purchased
- Drivers can save approximately $170 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $525 each year
- Drivers can save approximately $170 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,268 |
| 20 | $3,212 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,504 |
| 20 | $5,114 |
| 30 | $3,084 |
| 40 | $3,024 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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