Land Rover LR4 Insurance Rates

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

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save approximately $114 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,130
• Using more expensive low deductibles for physical damage coverage costs an additional $218 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,428 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $4,424 or more

View Chart as Image

Insurance rates for a Land Rover LR4 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $340 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,610 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Cheaper Land Rover LR4 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the information touched on in the above illustrations.

• You may be able to save approximately $130 per year simply by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums being up to $369 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,300 more annually to insure a Land Rover LR4
• Consumers who want increased liability limits will pay an extra $520 per year to increase from a 30/60 limit to higher 250/500 limits