Land Rover LR4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
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U.S. average insurance prices for a Land Rover LR4 are $1,130 every 12 months with full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $284, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,428 or more. Teens pay the highest rates at $4,424 a year or more.
Average premium for full coverage: $1,130
Price estimates by individual coverage:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and LR4 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Land Rover LR4 insurance prices go from the cheapest price of $522 for your basic liability-only policy to a high of $2,428 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own driving history, rather than using averaged prices.
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.
More Rate Information
The chart below details estimated Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $678
- Raising to $1,000 deductibles will save $1,016 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,130
- Selecting low $100 deductibles costs an extra $218 each year
- Unlucky drivers with serious driving violations could pay around $2,428 or more
- The price to insure a teenage driver can cost $4,424
Auto insurance prices for a Land Rover LR4 are also quite variable based on deductibles and policy limits, your driving record, and the model of your LR4.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,300 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Land Rover LR4 insurance rates. A middle-age driver might find prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$106 | -9.4% |
| Alaska | $866 | -$264 | -23.4% |
| Arizona | $938 | -$192 | -17.0% |
| Arkansas | $1,130 | -$0 | 0.0% |
| California | $1,288 | $158 | 14.0% |
| Colorado | $1,080 | -$50 | -4.4% |
| Connecticut | $1,162 | $32 | 2.8% |
| Delaware | $1,280 | $150 | 13.3% |
| Florida | $1,416 | $286 | 25.3% |
| Georgia | $1,044 | -$86 | -7.6% |
| Hawaii | $812 | -$318 | -28.1% |
| Idaho | $762 | -$368 | -32.6% |
| Illinois | $842 | -$288 | -25.5% |
| Indiana | $850 | -$280 | -24.8% |
| Iowa | $762 | -$368 | -32.6% |
| Kansas | $1,076 | -$54 | -4.8% |
| Kentucky | $1,542 | $412 | 36.5% |
| Louisiana | $1,672 | $542 | 48.0% |
| Maine | $698 | -$432 | -38.2% |
| Maryland | $932 | -$198 | -17.5% |
| Massachusetts | $904 | -$226 | -20.0% |
| Michigan | $1,964 | $834 | 73.8% |
| Minnesota | $946 | -$184 | -16.3% |
| Mississippi | $1,354 | $224 | 19.8% |
| Missouri | $1,002 | -$128 | -11.3% |
| Montana | $1,214 | $84 | 7.4% |
| Nebraska | $890 | -$240 | -21.2% |
| Nevada | $1,356 | $226 | 20.0% |
| New Hampshire | $814 | -$316 | -28.0% |
| New Jersey | $1,262 | $132 | 11.7% |
| New Mexico | $1,002 | -$128 | -11.3% |
| New York | $1,192 | $62 | 5.5% |
| North Carolina | $652 | -$478 | -42.3% |
| North Dakota | $928 | -$202 | -17.9% |
| Ohio | $780 | -$350 | -31.0% |
| Oklahoma | $1,162 | $32 | 2.8% |
| Oregon | $1,034 | -$96 | -8.5% |
| Pennsylvania | $1,080 | -$50 | -4.4% |
| Rhode Island | $1,508 | $378 | 33.5% |
| South Carolina | $1,024 | -$106 | -9.4% |
| South Dakota | $954 | -$176 | -15.6% |
| Tennessee | $992 | -$138 | -12.2% |
| Texas | $1,364 | $234 | 20.7% |
| Utah | $836 | -$294 | -26.0% |
| Vermont | $774 | -$356 | -31.5% |
| Virginia | $676 | -$454 | -40.2% |
| Washington | $876 | -$254 | -22.5% |
| West Virginia | $1,036 | -$94 | -8.3% |
| Wisconsin | $784 | -$346 | -30.6% |
| Wyoming | $1,008 | -$122 | -10.8% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,094 | $91 |
| Land Rover LR4 HSE | $1,112 | $93 |
| Land Rover LR4 HSE Plus | $1,130 | $94 |
| Land Rover LR4 LUX | $1,148 | $96 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
| 2015 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2014 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2013 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2012 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
| 2011 Land Rover LR4 | $214 | $284 | $474 | $1,130 |
| 2010 Land Rover LR4 | $208 | $256 | $468 | $1,090 |
Rates are averaged for all Land Rover LR4 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 Affordable Land Rover LR4 Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief review of the information raised in the charts and tables above.
- You may be able to save around $130 per year simply by quoting early and online
- Teens have the highest car insurance prices, costing up to $369 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $325 each year
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,300 more per year for LR4 insurance
- Consumers who purchase higher liability limits will pay approximately $520 every year to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,424 |
| 20 | $2,572 |
| 30 | $1,160 |
| 40 | $1,130 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,348 |
| $250 | $1,250 |
| $500 | $1,130 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,130 |
| 50/100 | $1,243 |
| 100/300 | $1,361 |
| 250/500 | $1,669 |
| 100 CSL | $1,290 |
| 300 CSL | $1,551 |
| 500 CSL | $1,741 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,254 |
| 20 | $4,100 |
| 30 | $2,456 |
| 40 | $2,428 |
| 50 | $2,320 |
| 60 | $2,296 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $58 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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