Land Rover Discovery Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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U.S. average insurance rates for a Land Rover Discovery are $1,006 a year for full coverage. Comprehensive costs around $182, collision insurance costs $224, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $2,154. Teen drivers pay the highest rates at up to $3,996 a year.

Average premium for full coverage: $1,006

Price estimates for individual coverage:

Comprehensive $182
Collision $224
Liability $442

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all Discovery models.

Price Range from Low to High

Using a middle-aged driver as an example, Land Rover Discovery insurance prices range from as low as $496 for just the minimum liability insurance to the much higher price of $2,154 for a high-risk driver policy.

Liability Only $496
Full Coverage $1,006
High Risk $2,154

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.

Rural Areas $755
Small Cities $1,056
Large Cities $1,358

The ranges above show why everyone should compare rates for a specific zip code 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.

Additional Rate Analysis

The chart below shows average Land Rover Discovery insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $613
  • Drivers who choose higher $1,000 deductibles will pay about $94 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,006
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,182
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,154
  • The price for full coverage for a teen driver for full coverage can be $3,996 a year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing Land Rover Discovery insurance rates range from $613 to $3,996 for full coverage

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

The state you live in makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Idaho, Maine, and Iowa, or as much as $1,440 on average in Michigan, Louisiana, and New York.

Land Rover Discovery Insurance Rates by State
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%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing high deductibles could save up to $270 every year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,200 to $1,700 additional each year, depending on your age. Land Rover Discovery insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Land Rover Discovery Insurance Rates by Model Year
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 Cheaper Land Rover Discovery Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a condensed summary of the information touched on in the above illustrations.

  • Drivers can save up to $110 per year just by quoting online well ahead of the renewal date
  • Youthful drivers are charged the highest prices, with premiums as much as $333 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles can save around $275 each year
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,150 more every year than a low-risk driver
  • Policyholders who may need more liability protection will pay about $490 each year to go from a low limit to 250/500 limits

Rates by Driver Age

Land Rover Discovery Insurance 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

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,182
$250 $1,102
$500 $1,006
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
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

Land Rover Discovery Insurance 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.

SR-22 Surcharge $132

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
Rate after discounts $613

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

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