Land Rover LR4 Insurance Rates

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

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Land Rover LR4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save around $1,016 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,130
• Using low $100 deductibles for physical damage coverage will cost an additional $218 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,428
• Policy cost that insures a 16-year-old driver may cost $4,424 or more

View Chart as Image

Insurance rates for a Land Rover LR4 also range considerably based on the trim level of your LR4, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Land Rover LR4 insurance prices. A driver around age 40 might see rates 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

Using high physical damage deductibles could cut rates by as much as $340 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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 Affordable Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 requires being a safe and courteous driver, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices once a year by getting rate quotes from direct companies, and also from several local insurance agents.

Below is a brief review of the data that was covered above.

• You may be able to save as much as $130 per year just by quoting early and online
• Insureds who require higher levels of liability will pay an extra $520 every year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers pay higher rates, as much as $369 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,300 more each year for auto insurance