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 insurance. Comprehensive costs an estimated $214 each year, collision insurance costs $284, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,428. 16-year-old drivers pay the highest rates at up to $4,424 a year.
Average premium for full coverage: $1,130
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and LR4 models.
Price Range from Low to High
For a driver in their 40's, Land Rover LR4 insurance prices range from as cheap as $522 for liability-only coverage to a high rate of $2,428 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The graphic below illustrates how location helps determine insurance prices.
The ranges above illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, 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 Charts and Tables
The chart below illustrates average Land Rover LR4 insurance rates for other coverage scenarios.
- The best full coverage rate is $678
- Choosing higher $1,000 deductibles can save approximately $114 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,130
- Buying low deductibles for comp and collision coverage will cost $1,348
- Unlucky drivers with multiple tickets or accidents could pay up to $2,428
- The price with full coverage for a teen driver can cost as much as $4,424 each year
Auto insurance prices for a Land Rover LR4 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,300 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $340 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Land Rover LR4 insurance prices. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, 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% |
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 Affordable Land Rover LR4 Insurance
Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,300 more annually to insure their LR4
- It is possible to save approximately $130 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $325 each year
- Policyholders who want more liability coverage will pay around $520 annually to raise limits 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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