Land Rover LR2 Insurance Rates

The average insurance rates for a Land Rover LR2 are $1,078 a year with full coverage. Comprehensive costs on average $198, collision insurance costs $248, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,314. 16-year-old drivers cost the most to insure at up to $4,260 a year.

Average premium for full coverage: $1,078

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different LR2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Land Rover LR2 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $650
• Choosing higher $1,000 deductibles can save around $102 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,078
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,272
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,314
• Policy cost that insures a 16-year-old driver with full coverage may cost $4,260 each year

View Chart as Image

Insurance rates for a Land Rover LR2 also range considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,800 additional every year, depending on your age. High-risk driver insurance ranges from 42% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover LR2 insurance prices. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or at least $1,460 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $300 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Land Rover LR2 Insurance

Finding cheaper rates on insurance for a Land Rover LR2 takes having a decent driving record, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The following items are a summary of the information touched on above.

• You may be able to save as much as $120 per year just by shopping early and online
• 16 to 18-year-old drivers pay higher rates, as much as $355 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,240 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay around $520 every year to raise limits from a 30/60 limit to the 250/500 level