Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,130 a year for full coverage. Comprehensive costs an estimated $214 each year, collision costs $284, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,428. Teens 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare rates quotes for a targeted area, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save approximately $114 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,130
• Selecting low deductibles bumps up the cost to $1,348
• Drivers with serious driving violations could pay up to $2,428 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,424

View Chart as Image

Insurance rates for a Land Rover LR4 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.

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 Affordable Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief review of the primary concepts that were touched on above.

• Drivers can save approximately $130 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,300 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Youthful drivers are expensive to insure, costing up to $369 each month if comprehensive and collision insurance is included