Land Rover LR4 Insurance Rates

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

Average premium for full coverage: $1,130

Price estimates for individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different LR4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance 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.

Additional Charts and Tables

The chart below illustrates estimated 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 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,130
• Using more expensive 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 or more
• The price that insures a teen driver with full coverage can be $4,424

View Chart as Image

Insurance prices for a Land Rover LR4 are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents 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 should be prepared to pay 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 $740 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,530 on average in Michigan, New York, and Florida.

View Chart as Image

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

Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

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 the Cheapest Land Rover LR4 Insurance

Getting lower rates on Land Rover LR4 insurance consists of being a good driver, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a recap of the data that was presented in the illustrations above.

• It is possible to save up to $130 per year simply by shopping early and online
• Drivers who may need an increased level of liability coverage will pay an extra $520 annually to raise from a low limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest prices, as much as $369 a month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,300 more every year than a safer driver