Land Rover Discovery Insurance Rates

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UPDATED: May 17, 2024

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Estimated auto insurance rates for a Land Rover Discovery are $1,534 annually including full coverage. Comprehensive costs around $332, collision costs $588, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $3,320. Teen drivers pay the most at $5,698 a year or more.

Average premium for full coverage: $1,534

Premium estimates for type of coverage:

Comprehensive $332
Collision $588
Liability $456

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Discovery trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Land Rover Discovery go from as cheap as $508 for the bare minimum liability coverage to a much higher rate of $3,320 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

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

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on 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 Information

The chart below breaks down estimated Land Rover Discovery insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $876
  • Drivers who choose higher $1,000 deductibles will pay about $210 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,534
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,938
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,320 or more
  • An auto insurance policy with full coverage for a teen driver with full coverage can be $5,698 a year

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 prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $620 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,190 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, and quoted prices will be substantially different between companies.

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 Buy the Right Land Rover Discovery Insurance

Finding better rates on Land Rover Discovery insurance not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the ideas that were illustrated above.

  • Teen drivers are expensive to insure, with the cost nearing $475 per month if full coverage is included
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,790 more every year to insure their Discovery
  • Increasing policy deductibles could save up to $625 each year
  • You may be able to save up to $190 per year simply by shopping early and online

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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