Land Rover Discovery Insurance Rates
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UPDATED: May 17, 2024
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Estimated insurance prices for a Land Rover Discovery are $1,578 every 12 months for full coverage insurance. Comprehensive costs an estimated $344 a year, collision costs $624, and liability costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $3,424. 16-year-old drivers pay the most at $5,838 a year or more.
Average premium for full coverage: $1,578
Premium estimates broken down by type of coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Discovery trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Land Rover Discovery go from the cheapest price of $504 for just liability insurance to a high of $3,424 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
These rate differences illustrate why it is important to compare rates for a targeted area and their own driving history, instead of using rate 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.
More Rate Details
The chart below illustrates estimated Land Rover Discovery insurance rates for other coverage scenarios.
- The best full coverage rate is $898
- Drivers who choose higher $1,000 deductibles will pay approximately $1,358 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,578
- Buying low $100 deductibles for comprehensive and collision insurance increases the price to $2,004
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,424 or more
- An auto insurance policy to insure a teen driver can cost as much as $5,838 a year
Insurance prices for a Land Rover Discovery also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could save up to $650 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,130 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,428 | -$150 | -9.5% |
| Alaska | $1,210 | -$368 | -23.3% |
| Arizona | $1,310 | -$268 | -17.0% |
| Arkansas | $1,578 | -$0 | 0.0% |
| California | $1,798 | $220 | 13.9% |
| Colorado | $1,508 | -$70 | -4.4% |
| Connecticut | $1,622 | $44 | 2.8% |
| Delaware | $1,786 | $208 | 13.2% |
| Florida | $1,974 | $396 | 25.1% |
| Georgia | $1,456 | -$122 | -7.7% |
| Hawaii | $1,134 | -$444 | -28.1% |
| Idaho | $1,068 | -$510 | -32.3% |
| Illinois | $1,174 | -$404 | -25.6% |
| Indiana | $1,188 | -$390 | -24.7% |
| Iowa | $1,064 | -$514 | -32.6% |
| Kansas | $1,500 | -$78 | -4.9% |
| Kentucky | $2,152 | $574 | 36.4% |
| Louisiana | $2,336 | $758 | 48.0% |
| Maine | $972 | -$606 | -38.4% |
| Maryland | $1,300 | -$278 | -17.6% |
| Massachusetts | $1,262 | -$316 | -20.0% |
| Michigan | $2,740 | $1,162 | 73.6% |
| Minnesota | $1,320 | -$258 | -16.3% |
| Mississippi | $1,890 | $312 | 19.8% |
| Missouri | $1,400 | -$178 | -11.3% |
| Montana | $1,694 | $116 | 7.4% |
| Nebraska | $1,246 | -$332 | -21.0% |
| Nevada | $1,894 | $316 | 20.0% |
| New Hampshire | $1,138 | -$440 | -27.9% |
| New Jersey | $1,764 | $186 | 11.8% |
| New Mexico | $1,398 | -$180 | -11.4% |
| New York | $1,662 | $84 | 5.3% |
| North Carolina | $908 | -$670 | -42.5% |
| North Dakota | $1,292 | -$286 | -18.1% |
| Ohio | $1,090 | -$488 | -30.9% |
| Oklahoma | $1,620 | $42 | 2.7% |
| Oregon | $1,446 | -$132 | -8.4% |
| Pennsylvania | $1,504 | -$74 | -4.7% |
| Rhode Island | $2,106 | $528 | 33.5% |
| South Carolina | $1,428 | -$150 | -9.5% |
| South Dakota | $1,330 | -$248 | -15.7% |
| Tennessee | $1,382 | -$196 | -12.4% |
| Texas | $1,904 | $326 | 20.7% |
| Utah | $1,170 | -$408 | -25.9% |
| Vermont | $1,080 | -$498 | -31.6% |
| Virginia | $944 | -$634 | -40.2% |
| Washington | $1,220 | -$358 | -22.7% |
| West Virginia | $1,446 | -$132 | -8.4% |
| Wisconsin | $1,092 | -$486 | -30.8% |
| Wyoming | $1,408 | -$170 | -10.8% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $444 | $780 | $372 | $1,754 |
| 2023 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2022 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2021 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2020 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2019 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2018 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2017 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 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 Shop for Low Cost Land Rover Discovery Insurance
Finding better rates on car insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at least every other year by quoting rates from direct insurance companies, and also from insurance agencies where you live.
The following list is a review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,850 more annually than a safer driver
- It is possible to save approximately $190 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $650 each year
- Policyholders who want an increased level of liability coverage will pay around $500 annually to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,838 |
| 20 | $3,642 |
| 30 | $1,648 |
| 40 | $1,578 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,004 |
| $250 | $1,808 |
| $500 | $1,578 |
| $1,000 | $1,358 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,578 |
| 50/100 | $1,668 |
| 100/300 | $1,781 |
| 250/500 | $2,075 |
| 100 CSL | $1,714 |
| 300 CSL | $1,962 |
| 500 CSL | $2,143 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,354 |
| 20 | $5,800 |
| 30 | $3,500 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
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 | $85 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $680 |
Discounts are estimated and may not be available from every company or in every state.
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