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 $1,342 a year for full coverage insurance. Comprehensive costs an estimated $278, collision costs $446, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,896. Teen drivers pay the highest rates at $5,088 a year or more.

Average premium for full coverage: $1,342

Price estimates broken down by individual coverage:

Comprehensive $278
Collision $446
Liability $460

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Discovery Sport trim levels.

Price Range from Low to High

For the normal driver, Land Rover Discovery Sport insurance prices go from as low as $510 for a discount liability-only rate to a much higher rate of $2,896 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,342
High Risk $2,896

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using price 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 illustrates estimated Land Rover Discovery Sport insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $782
  • Using higher $1,000 deductibles will save approximately $164 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,342
  • Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,660
  • Drivers with multiple violations and an at-fault accident could pay up to $2,896 or more
  • The price for full coverage for a teen driver with full coverage can cost as much as $5,088 or more

View Chart as Image

Land Rover Discovery Sport insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery Sport insurance rates range from $782 to $5,088

Insurance prices for a Land Rover Discovery Sport are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

The state you live in has a huge impact on Land Rover Discovery Sport insurance prices. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,810 on average in Florida, New York, and Michigan.

Land Rover Discovery Sport Insurance Rates by State
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%

View Chart as Image

Land Rover Discovery Sport insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $490 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

Land Rover Discovery Sport Insurance Rates by Model Year
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 Find the Best Cheap Land Rover Discovery Sport Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a quick review of the data that was presented in the illustrations above.

  • It is possible to save approximately $160 per year simply by shopping early and online
  • Policyholders who want higher levels of liability will pay about $510 annually to increase from a low limit to 250/500 limits
  • Teenage drivers are charged the highest prices, as much as $424 a month for full coverage
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,550 more annually for auto insurance

Rates by Driver Age

Land Rover Discovery Sport Insurance 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

Land Rover Discovery Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,660
$250 $1,512
$500 $1,342
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Sport Insurance Rates with Different Liability Limits
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

Land Rover Discovery Sport Insurance 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.

SR-22 Surcharge $185

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
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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