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: May 17, 2024

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Average insurance rates for a Land Rover Discovery are $1,534 a year for full coverage insurance. Comprehensive costs on average $332 each year, collision costs $588, and liability coverage costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $3,320. Teenage drivers receive the highest rates at $5,698 a year or more.

Average premium for full coverage: $1,534

Rate estimates by individual coverage type:

Comprehensive $332
Collision $588
Liability $456

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Discovery models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $508 for minimum levels of liability insurance to a high rate of $3,320 for a high-risk insurance policy.

Liability Only $508
Full Coverage $1,534
High Risk $3,320

Price Range by Location

Where you live has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,151
Small Cities $1,611
Large Cities $2,071

These examples illustrate why all drivers should compare prices based on a specific location and risk profile, rather than using 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 Details

The chart below illustrates estimated Land Rover Discovery insurance rates for different risk profiles and scenarios.

  • The best discount rate is $876
  • Using higher $1,000 deductibles will save around $210 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,534
  • Using low deductibles for physical damage coverage will increase the cost to $1,938
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,320 or more
  • The cost for full coverage for a teenage driver may cost $5,698 or more

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance rates range from $876 to $5,698

Auto insurance rates for a Land Rover Discovery can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $5,600 a year. View Rates by Age

Where you live has a huge impact on Land Rover Discovery insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,070 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 $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%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $620 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

Land Rover Discovery Insurance Rates by Model Year
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 Find Low Cost Land Rover Discovery Insurance

Saving money on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a review of the car insurance concepts illustrated above.

  • Drivers who have several accidents or serious violations pay an average of $1,790 more each year to insure a Land Rover Discovery
  • It is possible to save as much as $190 per year simply by quoting online in advance
  • Increasing deductibles can save around $625 each year
  • Consumers who require increased liability limits will pay an extra $500 annually to increase from a minimum limit to 250/500 limits

Rates by Driver Age

Land Rover Discovery Insurance 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

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,938
$250 $1,750
$500 $1,534
$1,000 $1,324

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
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

Land Rover Discovery Insurance 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.

SR-22 Surcharge $216

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
Rate after discounts $876

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

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