Land Rover Discovery Insurance Rates
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UPDATED: Aug 23, 2022
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Estimated insurance rates for a Land Rover Discovery are $1,030 a year including full coverage. Comprehensive costs approximately $190, collision costs $236, and liability coverage is estimated at $446. Liability-only coverage costs approximately $500 a year, with high-risk coverage costing around $2,206. Teen drivers pay the most at $4,072 a year or more.
Average premium for full coverage: $1,030
Premium estimates by type of coverage:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Discovery models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Land Rover Discovery go from the low end price of $500 for minimum levels of liability insurance to the much higher price of $2,206 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why everyone should get quotes using their specific location, rather than 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.
Additional Rate Details
The chart below breaks down estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $626
- Choosing higher $1,000 deductibles can save $98 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,030
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,214
- Drivers with multiple violations and an at-fault accident could pay around $2,206 or more
- An auto insurance policy that insures a teenage driver for full coverage can cost $4,072 each year
Insurance prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Land Rover Discovery insurance for high-risk drivers ranges around 42% to 130% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Land Rover Discovery insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,470 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can save as much as $290 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $402 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different.
| 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 Find More Affordable Land Rover Discovery Insurance
Finding better rates on auto insurance takes having a good driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Shop around at least every other year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a summary of the car insurance concepts covered above.
- Drivers who have multiple accidents or major violations will likely pay on average $1,180 more per year to buy Land Rover Discovery insurance
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $275 each year
- Consumers who purchase increased levels of liability coverage will pay about $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
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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