Land Rover LR4 Insurance Rates

U.S. average insurance rates for a Land Rover LR4 are $1,130 a year for full coverage insurance. Comprehensive costs an estimated $214, collision costs $284, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,428. Teens pay the highest rates at $4,424 a year or more.

Average premium for full coverage: $1,130

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different LR4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Land Rover LR4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save approximately $114 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,130
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,348
• Drivers with serious driving violations could pay up to $2,428 or more
• The price that insures a teen driver with full coverage can cost as much as $4,424 or more

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Car insurance prices for a Land Rover LR4 are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,400 a year. View Rates by Age

The state you live in has a huge impact on Land Rover LR4 insurance prices. A driver around age 40 might see prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,530 on average in Florida, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite 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 Find the Best Cheap Land Rover LR4 Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The list below is a quick review of the information raised in the charts and tables above.

• It is possible to save approximately $130 per year simply by shopping early and online
• Teenagers have the highest car insurance prices, as much as $369 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $325 each year
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,300 more annually for car insurance
• Policyholders who want higher liability limits will pay approximately $520 annually to increase from a low limit to the 250/500 level