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 auto insurance rates for a Land Rover LR4 are $1,130 annually for full coverage. Comprehensive insurance costs approximately $214 a year, collision costs $284, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,428 or more. Teen drivers pay the highest rates at $4,424 a year or more.
Average premium for full coverage: $1,130
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and LR4 trim levels.
Price Range from Low to High
For the normal driver, Land Rover LR4 insurance prices go from as cheap as $522 for the bare minimum liability coverage to a high of $2,428 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have fewer accident claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.
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.
Additional Rate Information
The chart below shows estimated Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $678
- Raising to $1,000 deductibles will save $1,016 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,130
- Choosing low $100 deductibles costs an additional $218 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,428 or more
- The price with full coverage for a 16-year-old driver can cost $4,424
Insurance prices for a Land Rover LR4 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $340 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find prices as low as $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,610 on average in New York, Louisiana, and Michigan.
| 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 only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different between companies.
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 Buy the Right Land Rover LR4 Insurance
Getting lower rates on insurance for a Land Rover LR4 consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,300 more per year for car insurance
- Drivers can save around $130 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $325 each year
- Insureds who purchase higher liability limits will pay about $520 each year to raise from a low limit to higher 250/500 limits
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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