Land Rover LR2 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...

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UPDATED: Jun 4, 2023

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The average insurance prices for a Land Rover LR2 are $1,044 every 12 months for full coverage insurance. Comprehensive costs around $186, collision insurance costs $226, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,238. 16-year-old drivers cost the most to insure at up to $4,152 a year.

Average premium for full coverage: $1,044

Policy rates for type of insurance:

Comprehensive $186
Collision $226
Liability $474

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all LR2 models.

Price Range Variability

Using a middle-aged driver as an example, Land Rover LR2 insurance rates range from the cheapest price of $522 for just liability coverage to the much higher price of $2,238 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,044
High Risk $2,238

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance rates.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

The examples above illustrate why everyone should compare rates for a specific zip code 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.

Detailed Rate Analysis

The chart below illustrates average Land Rover LR2 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $634
  • Drivers who choose higher $1,000 deductibles will pay about $94 each year
  • The average price for a good driver age 40 using $500 deductibles is $1,044
  • Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,222
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,238
  • Policy cost to insure a teen driver for full coverage can be $4,152 a year

View Chart as Image

Land Rover LR2 insurance cost comparison chart
Column chart showing Land Rover LR2 insurance rates range from $634 to $4,152 for full coverage

Insurance rates for a Land Rover LR2 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could save up to $280 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. Land Rover LR2 insurance for high-risk drivers can cost as much as 41% to 128% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Land Rover LR2 insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,410 on average in Michigan, New York, and Florida.

Land Rover LR2 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,190 $146 14.0%
Colorado $998 -$46 -4.4%
Connecticut $1,074 $30 2.9%
Delaware $1,184 $140 13.4%
Florida $1,308 $264 25.3%
Georgia $962 -$82 -7.9%
Hawaii $750 -$294 -28.2%
Idaho $704 -$340 -32.6%
Illinois $778 -$266 -25.5%
Indiana $784 -$260 -24.9%
Iowa $704 -$340 -32.6%
Kansas $994 -$50 -4.8%
Kentucky $1,424 $380 36.4%
Louisiana $1,544 $500 47.9%
Maine $646 -$398 -38.1%
Maryland $860 -$184 -17.6%
Massachusetts $836 -$208 -19.9%
Michigan $1,814 $770 73.8%
Minnesota $872 -$172 -16.5%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,120 $76 7.3%
Nebraska $824 -$220 -21.1%
Nevada $1,252 $208 19.9%
New Hampshire $750 -$294 -28.2%
New Jersey $1,166 $122 11.7%
New Mexico $926 -$118 -11.3%
New York $1,100 $56 5.4%
North Carolina $602 -$442 -42.3%
North Dakota $854 -$190 -18.2%
Ohio $720 -$324 -31.0%
Oklahoma $1,074 $30 2.9%
Oregon $956 -$88 -8.4%
Pennsylvania $998 -$46 -4.4%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $916 -$128 -12.3%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $716 -$328 -31.4%
Virginia $626 -$418 -40.0%
Washington $808 -$236 -22.6%
West Virginia $956 -$88 -8.4%
Wisconsin $724 -$320 -30.7%
Wyoming $930 -$114 -10.9%

View Chart as Image

Land Rover LR2 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Land Rover LR2 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Land Rover LR2 $1,026 $86
Land Rover LR2 HSE $1,044 $87
Land Rover LR2 HSE Luxury $1,064 $89

Rates assume 2008 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.

Land Rover LR2 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Land Rover LR2 $236 $322 $474 $1,190
2008 Land Rover LR2 $186 $226 $474 $1,044

Rates are averaged for all Land Rover LR2 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 Cheap Land Rover LR2 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts touched on in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,190 more every year to insure a Land Rover LR2
  • It is possible to save up to $120 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $275 each year
  • Policyholders who may need increased liability limits will pay around $520 annually to go from a 30/60 limit to a 250/500 level

Rates by Driver Age

Land Rover LR2 Insurance Rates by Driver Age
Driver Age Premium
16 $4,152
20 $2,370
30 $1,066
40 $1,044
50 $956
60 $936

Full coverage, $500 deductibles

Rates by Deductible

Land Rover LR2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,222
$250 $1,142
$500 $1,044
$1,000 $950

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,159
100/300 $1,277
250/500 $1,585
100 CSL $1,206
300 CSL $1,467
500 CSL $1,657

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover LR2 Insurance Rates for High Risk Drivers
Age Premium
16 $5,852
20 $3,778
30 $2,260
40 $2,238
50 $2,140
60 $2,116

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 $138

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $71
Total Discounts $410
Rate after discounts $634

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

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