Land Rover LR4 Insurance Rates

The average insurance prices for a Land Rover LR4 are $1,130 every 12 months for full coverage insurance. Comprehensive costs an estimated $214, collision costs $284, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,428. Teens cost the most to insure at $4,424 a year or more.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Land Rover LR4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save approximately $114 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,130
• Selecting pricier low deductibles increases the price to $1,348
• Drivers with serious driving violations could pay up to $2,428 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost as much as $4,424

View Chart as Image

Insurance rates for a Land Rover LR4 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, whereas buying more liability protection will increase premiums. 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 low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,400 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 $1,300 to $1,900 extra every year, depending on your age. Land Rover LR4 insurance for high-risk drivers is expensive and can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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 Shop for the Best Cheap Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 consists of having a decent driving record, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a quick review of the material that was covered above.

• Insureds who want additional liability coverage will pay approximately $520 annually to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $369 each month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,300 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $325 each year