Land Rover Discovery 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: May 17, 2024
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Estimated auto insurance rates for a Land Rover Discovery are $1,534 annually for full coverage insurance. Comprehensive insurance costs approximately $332 a year, collision costs $588, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,320 or more. 16-year-old drivers pay the most at $5,698 a year or more.
Average premium for full coverage: $1,534
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Discovery trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Land Rover Discovery go from as cheap as $508 for liability-only coverage to a high of $3,320 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based 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 Charts and Tables
The chart below illustrates estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $876
- Drivers who choose higher $1,000 deductibles will pay $1,324 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,534
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $404 annually
- Drivers with multiple tickets or accidents could pay around $3,320 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $5,698 a year
Insurance prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $620 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,386 | -$148 | -9.6% |
| Alaska | $1,176 | -$358 | -23.3% |
| Arizona | $1,272 | -$262 | -17.1% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,748 | $214 | 14.0% |
| Colorado | $1,464 | -$70 | -4.6% |
| Connecticut | $1,576 | $42 | 2.7% |
| Delaware | $1,734 | $200 | 13.0% |
| Florida | $1,918 | $384 | 25.0% |
| Georgia | $1,414 | -$120 | -7.8% |
| Hawaii | $1,102 | -$432 | -28.2% |
| Idaho | $1,036 | -$498 | -32.5% |
| Illinois | $1,142 | -$392 | -25.6% |
| Indiana | $1,154 | -$380 | -24.8% |
| Iowa | $1,034 | -$500 | -32.6% |
| Kansas | $1,456 | -$78 | -5.1% |
| Kentucky | $2,092 | $558 | 36.4% |
| Louisiana | $2,268 | $734 | 47.8% |
| Maine | $946 | -$588 | -38.3% |
| Maryland | $1,264 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$308 | -20.1% |
| Michigan | $2,662 | $1,128 | 73.5% |
| Minnesota | $1,284 | -$250 | -16.3% |
| Mississippi | $1,836 | $302 | 19.7% |
| Missouri | $1,360 | -$174 | -11.3% |
| Montana | $1,648 | $114 | 7.4% |
| Nebraska | $1,206 | -$328 | -21.4% |
| Nevada | $1,836 | $302 | 19.7% |
| New Hampshire | $1,104 | -$430 | -28.0% |
| New Jersey | $1,712 | $178 | 11.6% |
| New Mexico | $1,358 | -$176 | -11.5% |
| New York | $1,614 | $80 | 5.2% |
| North Carolina | $882 | -$652 | -42.5% |
| North Dakota | $1,252 | -$282 | -18.4% |
| Ohio | $1,058 | -$476 | -31.0% |
| Oklahoma | $1,574 | $40 | 2.6% |
| Oregon | $1,404 | -$130 | -8.5% |
| Pennsylvania | $1,462 | -$72 | -4.7% |
| Rhode Island | $2,046 | $512 | 33.4% |
| South Carolina | $1,388 | -$146 | -9.5% |
| South Dakota | $1,294 | -$240 | -15.6% |
| Tennessee | $1,342 | -$192 | -12.5% |
| Texas | $1,846 | $312 | 20.3% |
| Utah | $1,134 | -$400 | -26.1% |
| Vermont | $1,050 | -$484 | -31.6% |
| Virginia | $918 | -$616 | -40.2% |
| Washington | $1,186 | -$348 | -22.7% |
| West Virginia | $1,404 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,364 | -$170 | -11.1% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Every company utilizes a different rate formula, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2023 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2022 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2021 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2020 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2019 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2018 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2017 Land Rover Discovery | $318 | $526 | $460 | $1,462 |
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 Buy Affordable Land Rover Discovery Insurance
Finding better rates on insurance for a Land Rover Discovery not only requires avoiding accidents and claims, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The points below are a brief review of the material that was touched on in this article.
- Insureds who purchase increased liability limits will pay around $500 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $475 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,790 more per year to insure a Land Rover Discovery
- Increasing policy deductibles could save up to $625 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,698 |
| 20 | $3,532 |
| 30 | $1,598 |
| 40 | $1,534 |
| 50 | $1,398 |
| 60 | $1,372 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,938 |
| $250 | $1,750 |
| $500 | $1,534 |
| $1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,142 |
| 20 | $5,628 |
| 30 | $3,392 |
| 40 | $3,320 |
| 50 | $3,170 |
| 60 | $3,142 |
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 | $83 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $76 |
| Online Quote | $110 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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