Land Rover Discovery Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,938 |
$250 | $1,750 |
$500 | $1,534 |
$1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area