Land Rover Discovery Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Land Rover Discovery are $1,006 a year with full coverage. Comprehensive costs on average $182 each year, collision costs $224, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing around $2,154. Teens pay the most at $3,996 a year or more.
Average premium for full coverage: $1,006
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Discovery models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Land Rover Discovery go from the low end price of $496 for just liability insurance to a high rate of $2,154 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences demonstrate why all drivers should compare prices based on a specific location, instead of using 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.
More Rate Details
The chart below details estimated Land Rover Discovery insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $613
- Using higher $1,000 deductibles will save around $94 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,006
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,182
- Drivers with serious driving violations could pay upwards of $2,154 or more
- An auto insurance policy that insures a teen driver may cost $3,996 or more
Car insurance prices for a Land Rover Discovery also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,900 a year. View Rates by Age
Where you choose to live has a huge impact on Land Rover Discovery insurance prices. A driver around age 40 might see prices as low as $730 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,360 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $912 | -$94 | -9.3% |
| Alaska | $774 | -$232 | -23.1% |
| Arizona | $838 | -$168 | -16.7% |
| Arkansas | $1,006 | -$0 | 0.0% |
| California | $1,148 | $142 | 14.1% |
| Colorado | $962 | -$44 | -4.4% |
| Connecticut | $1,036 | $30 | 3.0% |
| Delaware | $1,140 | $134 | 13.3% |
| Florida | $1,260 | $254 | 25.2% |
| Georgia | $928 | -$78 | -7.8% |
| Hawaii | $724 | -$282 | -28.0% |
| Idaho | $682 | -$324 | -32.2% |
| Illinois | $750 | -$256 | -25.4% |
| Indiana | $758 | -$248 | -24.7% |
| Iowa | $680 | -$326 | -32.4% |
| Kansas | $958 | -$48 | -4.8% |
| Kentucky | $1,376 | $370 | 36.8% |
| Louisiana | $1,492 | $486 | 48.3% |
| Maine | $620 | -$386 | -38.4% |
| Maryland | $830 | -$176 | -17.5% |
| Massachusetts | $808 | -$198 | -19.7% |
| Michigan | $1,752 | $746 | 74.2% |
| Minnesota | $842 | -$164 | -16.3% |
| Mississippi | $1,206 | $200 | 19.9% |
| Missouri | $892 | -$114 | -11.3% |
| Montana | $1,082 | $76 | 7.6% |
| Nebraska | $794 | -$212 | -21.1% |
| Nevada | $1,208 | $202 | 20.1% |
| New Hampshire | $726 | -$280 | -27.8% |
| New Jersey | $1,126 | $120 | 11.9% |
| New Mexico | $892 | -$114 | -11.3% |
| New York | $1,062 | $56 | 5.6% |
| North Carolina | $580 | -$426 | -42.3% |
| North Dakota | $826 | -$180 | -17.9% |
| Ohio | $696 | -$310 | -30.8% |
| Oklahoma | $1,036 | $30 | 3.0% |
| Oregon | $924 | -$82 | -8.2% |
| Pennsylvania | $962 | -$44 | -4.4% |
| Rhode Island | $1,344 | $338 | 33.6% |
| South Carolina | $912 | -$94 | -9.3% |
| South Dakota | $850 | -$156 | -15.5% |
| Tennessee | $884 | -$122 | -12.1% |
| Texas | $1,214 | $208 | 20.7% |
| Utah | $748 | -$258 | -25.6% |
| Vermont | $690 | -$316 | -31.4% |
| Virginia | $604 | -$402 | -40.0% |
| Washington | $780 | -$226 | -22.5% |
| West Virginia | $924 | -$82 | -8.2% |
| Wisconsin | $698 | -$308 | -30.6% |
| Wyoming | $898 | -$108 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $270 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2004 Land Rover Discovery | $182 | $224 | $442 | $1,006 |
Rates are averaged for all Land Rover Discovery 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 Affordable Land Rover Discovery Insurance
Finding better rates on car insurance requires being a good driver, having a positive credit history, being claim-free, and maximizing policy discounts. Compare rates every couple of years by getting quotes from direct companies, and also from several local insurance agents.
The following list is a brief review of the material that was covered in the above illustrations.
- Policyholders who require an increased level of liability coverage will pay approximately $490 every year to increase from 30/60 bodily injury limits to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, possibly costing $333 per month if full coverage is purchased
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,150 more each year than a safer driver
- Increasing policy deductibles can save approximately $275 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,996 |
| 20 | $2,288 |
| 30 | $1,028 |
| 40 | $1,006 |
| 50 | $922 |
| 60 | $902 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,182 |
| $250 | $1,102 |
| $500 | $1,006 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,006 |
| 50/100 | $1,094 |
| 100/300 | $1,205 |
| 250/500 | $1,492 |
| 100 CSL | $1,139 |
| 300 CSL | $1,382 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,626 |
| 20 | $3,642 |
| 30 | $2,176 |
| 40 | $2,154 |
| 50 | $2,060 |
| 60 | $2,040 |
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 | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $393 |
Discounts are estimated and may not be available from every company or in every state.
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