Land Rover LR4 Insurance Rates

U.S. average insurance rates for a Land Rover LR4 are $1,130 a year for full coverage. Comprehensive insurance costs around $214, collision insurance costs $284, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,428 or more. Teenage drivers pay the highest rates at up to $4,424 a year.

Average premium for full coverage: $1,130

Price estimates for individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all LR4 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.

The ranges above show why everyone should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

The chart below shows average Land Rover LR4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $678
• Raising to $1,000 deductibles will save about $114 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,130
• Using pricier low deductibles will cost an additional $218 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,428
• The price that insures a teen driver for full coverage can be $4,424

View Chart as Image

Car insurance prices for a Land Rover LR4 are also quite variable based on the model of your LR4, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,300 to $1,900 extra each year, depending on your age. Land Rover LR4 insurance for high-risk drivers is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $4,400 a year. View Rates by Age

The state you live in also has a big influence on Land Rover LR4 insurance rates. A middle-age driver might find prices as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,610 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $340 each year, whereas buying more liability protection will increase prices. Going 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

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 Cheap Land Rover LR4 Insurance

Getting lower rates on Land Rover LR4 insurance consists of being a good driver, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every couple of years by getting rate quotes from direct carriers, and also from several local insurance agents.

The following list is a brief summary of the material that was touched on in the above illustrations.

• Drivers who may need an increased level of liability coverage will pay an extra $520 each year to raise from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $369 a month if full coverage is purchased
• High-risk drivers that tend to have accidents or serious violations pay on average $1,300 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $325 each year