Land Rover Discovery Insurance Rates
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UPDATED: Jun 3, 2023
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The average auto insurance rates for a Land Rover Discovery are $1,030 annually for full coverage insurance. Comprehensive costs around $190, collision costs $236, and liability insurance is estimated at $446. A liability-only policy costs approximately $500 a year, with high-risk insurance costing around $2,206. Teenage drivers cost the most to insure at $4,072 a year or more.
Average premium for full coverage: $1,030
Policy rates for type of insurance:
Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Discovery models.
Price Range Variability
For an average driver, Land Rover Discovery insurance rates go from as cheap as $500 for just the minimum liability insurance to the much higher price of $2,206 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.
The example below illustrates the effect of geographic area on auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.
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 Rate Analysis
The chart below illustrates estimated Land Rover Discovery insurance rates for additional coverage choices and driver risks.
- The best discount rate is $626
- Choosing higher $1,000 deductibles can save about $98 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,030
- Using pricier low deductibles for comp and collision coverage will cost $1,214
- High-risk insureds who are prone to accidents and violations could pay at least $2,206 or more
- Policy cost with full coverage for a teen driver for full coverage can be $4,072 each year
Car insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. Land Rover Discovery insurance for high-risk drivers ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $290 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $402 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,390 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $934 | -$96 | -9.3% |
| Alaska | $790 | -$240 | -23.3% |
| Arizona | $856 | -$174 | -16.9% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,176 | $146 | 14.2% |
| Colorado | $986 | -$44 | -4.3% |
| Connecticut | $1,060 | $30 | 2.9% |
| Delaware | $1,168 | $138 | 13.4% |
| Florida | $1,292 | $262 | 25.4% |
| Georgia | $952 | -$78 | -7.6% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $696 | -$334 | -32.4% |
| Illinois | $768 | -$262 | -25.4% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $696 | -$334 | -32.4% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,406 | $376 | 36.5% |
| Louisiana | $1,526 | $496 | 48.2% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $826 | -$204 | -19.8% |
| Michigan | $1,792 | $762 | 74.0% |
| Minnesota | $862 | -$168 | -16.3% |
| Mississippi | $1,236 | $206 | 20.0% |
| Missouri | $914 | -$116 | -11.3% |
| Montana | $1,108 | $78 | 7.6% |
| Nebraska | $814 | -$216 | -21.0% |
| Nevada | $1,238 | $208 | 20.2% |
| New Hampshire | $742 | -$288 | -28.0% |
| New Jersey | $1,154 | $124 | 12.0% |
| New Mexico | $914 | -$116 | -11.3% |
| New York | $1,086 | $56 | 5.4% |
| North Carolina | $596 | -$434 | -42.1% |
| North Dakota | $846 | -$184 | -17.9% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $944 | -$86 | -8.3% |
| Pennsylvania | $984 | -$46 | -4.5% |
| Rhode Island | $1,374 | $344 | 33.4% |
| South Carolina | $934 | -$96 | -9.3% |
| South Dakota | $870 | -$160 | -15.5% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,242 | $212 | 20.6% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $708 | -$322 | -31.3% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $796 | -$234 | -22.7% |
| West Virginia | $944 | -$86 | -8.3% |
| Wisconsin | $716 | -$314 | -30.5% |
| Wyoming | $918 | -$112 | -10.9% |
Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2004 Land Rover Discovery | $190 | $236 | $446 | $1,030 |
| 2003 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 Buy the Best Land Rover Discovery Insurance
Finding cheaper rates on Land Rover Discovery insurance takes having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief recap of the ideas that were covered in the above illustrations.
- Drivers age 20 and younger are the costliest to insure, possibly costing $339 each month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations pay on average $1,180 more every year to buy Land Rover Discovery insurance
- Increasing comprehensive and collision deductibles could save up to $275 each year
- It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,072 |
| 20 | $2,342 |
| 30 | $1,052 |
| 40 | $1,030 |
| 50 | $944 |
| 60 | $924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,214 |
| $250 | $1,130 |
| $500 | $1,030 |
| $1,000 | $932 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,119 |
| 100/300 | $1,231 |
| 250/500 | $1,521 |
| 100 CSL | $1,164 |
| 300 CSL | $1,409 |
| 500 CSL | $1,588 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,740 |
| 20 | $3,726 |
| 30 | $2,228 |
| 40 | $2,206 |
| 50 | $2,108 |
| 60 | $2,088 |
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 | $52 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $404 |
Discounts are estimated and may not be available from every company or in every state.
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