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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The average insurance prices for a Land Rover LR4 are $1,174 every 12 months for full coverage insurance. Comprehensive costs approximately $228 a year, collision insurance costs $314, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,522. 16-year-old drivers cost the most to insure at up to $4,558 a year.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and LR4 trim levels.
Price Range Variability
For the average driver, Land Rover LR4 insurance rates range from the cheapest price of $522 for the bare minimum liability coverage to a high of $2,522 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.
The examples above illustrate why it is important to compare rates quotes using their specific location and their own driving history, instead of using rate 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 illustrates average Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $701
- Raising to $1,000 deductibles will save $1,048 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,174
- Buying low $100 deductibles increases the price to $1,408
- At-risk drivers with multiple tickets or accidents could pay around $2,522
- Policy cost to insure a teen driver can cost $4,558
Auto insurance rates for a Land Rover LR4 also range considerably based on liability limits and deductibles, your risk profile, and the model of your LR4.
Opting for high physical damage deductibles can reduce rates by up to $360 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $898 | -$276 | -23.5% |
| Arizona | $972 | -$202 | -17.2% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,338 | $164 | 14.0% |
| Colorado | $1,122 | -$52 | -4.4% |
| Connecticut | $1,206 | $32 | 2.7% |
| Delaware | $1,330 | $156 | 13.3% |
| Florida | $1,468 | $294 | 25.0% |
| Georgia | $1,082 | -$92 | -7.8% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $792 | -$382 | -32.5% |
| Illinois | $874 | -$300 | -25.6% |
| Indiana | $882 | -$292 | -24.9% |
| Iowa | $792 | -$382 | -32.5% |
| Kansas | $1,116 | -$58 | -4.9% |
| Kentucky | $1,600 | $426 | 36.3% |
| Louisiana | $1,734 | $560 | 47.7% |
| Maine | $724 | -$450 | -38.3% |
| Maryland | $966 | -$208 | -17.7% |
| Massachusetts | $938 | -$236 | -20.1% |
| Michigan | $2,038 | $864 | 73.6% |
| Minnesota | $980 | -$194 | -16.5% |
| Mississippi | $1,404 | $230 | 19.6% |
| Missouri | $1,040 | -$134 | -11.4% |
| Montana | $1,260 | $86 | 7.3% |
| Nebraska | $926 | -$248 | -21.1% |
| Nevada | $1,406 | $232 | 19.8% |
| New Hampshire | $844 | -$330 | -28.1% |
| New Jersey | $1,310 | $136 | 11.6% |
| New Mexico | $1,040 | -$134 | -11.4% |
| New York | $1,236 | $62 | 5.3% |
| North Carolina | $674 | -$500 | -42.6% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $808 | -$366 | -31.2% |
| Oklahoma | $1,206 | $32 | 2.7% |
| Oregon | $1,074 | -$100 | -8.5% |
| Pennsylvania | $1,120 | -$54 | -4.6% |
| Rhode Island | $1,564 | $390 | 33.2% |
| South Carolina | $1,062 | -$112 | -9.5% |
| South Dakota | $990 | -$184 | -15.7% |
| Tennessee | $1,026 | -$148 | -12.6% |
| Texas | $1,414 | $240 | 20.4% |
| Utah | $868 | -$306 | -26.1% |
| Vermont | $804 | -$370 | -31.5% |
| Virginia | $702 | -$472 | -40.2% |
| Washington | $908 | -$266 | -22.7% |
| West Virginia | $1,074 | -$100 | -8.5% |
| Wisconsin | $814 | -$360 | -30.7% |
| Wyoming | $1,046 | -$128 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,132 | $94 |
| Land Rover LR4 HSE | $1,152 | $96 |
| Land Rover LR4 HSE Plus | $1,174 | $98 |
| Land Rover LR4 LUX | $1,192 | $99 |
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 | $288 | $466 | $460 | $1,372 |
| 2015 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
| 2014 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2013 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2012 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2011 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
| 2010 Land Rover LR4 | $214 | $284 | $474 | $1,130 |
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 the Best Land Rover LR4 Insurance
Finding cheaper rates on car insurance consists of having a good driving record, having a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief recap of the information touched on above.
- It is possible to save around $130 per year just by quoting early and online
- Drivers age 20 and younger have the highest car insurance rates, possibly costing $380 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Higher risk drivers who tend to receive serious violations may have to pay on average $1,350 more per year to buy Land Rover LR4 insurance
- Policyholders who purchase increased levels of liability coverage will pay around $520 annually to raise from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,558 |
| 20 | $2,670 |
| 30 | $1,206 |
| 40 | $1,174 |
| 50 | $1,072 |
| 60 | $1,050 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,287 |
| 100/300 | $1,405 |
| 250/500 | $1,713 |
| 100 CSL | $1,334 |
| 300 CSL | $1,595 |
| 500 CSL | $1,785 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,452 |
| 20 | $4,258 |
| 30 | $2,554 |
| 40 | $2,522 |
| 50 | $2,408 |
| 60 | $2,382 |
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 | $61 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $81 |
| Total Discounts | $473 |
Discounts are estimated and may not be available from every company or in every state.
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