Land Rover LR4 Insurance Rates

The average insurance prices for a Land Rover LR4 are $1,130 every 12 months for full coverage. Comprehensive insurance costs around $214, collision costs $284, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance 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 for type of insurance:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save about $114 a year
• The average price for a good driver age 40 using $500 deductibles is $1,130
• Using more expensive low deductibles for physical damage coverage costs an extra $218 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,428 or more
• Policy cost to insure a teenage driver with full coverage can be $4,424 or more

View Chart as Image

Auto insurance rates for a Land Rover LR4 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $340 a year, while increasing your policy's liability limits will increase rates. Going 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

An older driver with a good driving record and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,300 to $1,900 in extra premium 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

Your home state has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see rates 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

Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted 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 Shop for Low Cost Land Rover LR4 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a review of the concepts that were covered in the charts and tables above.

• Drivers who have several accidents or serious violations may pay on average $1,300 more every year to insure a Land Rover LR4
• Drivers under the age of 20 are expensive to insure, costing up to $369 each month if comprehensive and collision insurance is included
• Drivers can save up to $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers can save up to $130 per year simply by shopping early and online