Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,130 a year including full coverage. Comprehensive costs approximately $214, collision costs $284, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,428. Teenage drivers cost the most to insure at $4,424 a year or more.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Land Rover LR4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save $114 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,130
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,348
• Higher-risk drivers who are prone to accidents and violations could pay around $2,428 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,424 each year

View Chart as Image

Auto insurance rates for a Land Rover LR4 also range considerably based on your risk profile, the model of your LR4, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover LR4 insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Find the Right Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,300 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $369 each month if they have full coverage
• You may be able to save around $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• You may be able to save around $130 per year simply by shopping early and online