Land Rover LR4 Insurance Rates

Average insurance prices for a Land Rover LR4 are $1,130 every 12 months with full coverage. Comprehensive costs around $214, collision costs $284, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,428. Teenage drivers receive the highest rates at $4,424 a year or more.

Average premium for full coverage: $1,130

Rate estimates for individual coverage type:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all LR4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.

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

These examples demonstrate why everyone should compare rates for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

The chart below details estimated Land Rover LR4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay about $114 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,130
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,348
• High risk drivers who are prone to accidents and violations could pay at least $2,428 or more
• The cost to insure a teen driver for full coverage can be $4,424 a year

View Chart as Image

Auto insurance rates for a Land Rover LR4 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $340 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,300 to $1,900 in extra premium per year, depending on your age. Land Rover LR4 insurance for high-risk drivers can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Land Rover LR4 insurance rates. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,530 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different.

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 More Affordable Land Rover LR4 Insurance

Saving money on Land Rover LR4 insurance not only requires not taking risks behind the wheel, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a summary of the car insurance concepts covered above.

• High-risk drivers who have multiple accidents or major violations pay on average $1,300 more every year for LR4 insurance
• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $325 each year
• Drivers who may need higher liability limits will pay an extra $520 every year to go from a minimum limit to a 250/500 level