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...

Insurance Lawyer

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:

Comprehensive $190
Collision $236
Liability $446

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.

Liability Only $500
Full Coverage $1,030
High Risk $2,206

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.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

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

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance rates range from $626 to $4,072

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.

Land Rover Discovery Insurance Rates by State
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%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

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.

Land Rover Discovery Insurance Rates by Model Year
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

Rates by Driver Age

Land Rover Discovery Insurance 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

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,130
$500 $1,030
$1,000 $932

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
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

Land Rover Discovery Insurance 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.

SR-22 Surcharge $136

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
Rate after discounts $626

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

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