Land Rover LR4 Insurance Rates

The average insurance prices for a Land Rover LR4 are $1,130 every 12 months for full coverage insurance. Comprehensive costs approximately $214 each year, collision insurance costs $284, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,428. Teenage drivers cost the most to insure at up to $4,424 a year.

Average premium for full coverage: $1,130

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates average Land Rover LR4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save $114 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,130
• Using low deductibles for physical damage coverage increases the price to $1,348
• High-risk insureds who are prone to accidents and violations could pay around $2,428
• Policy cost to insure a 16-year-old driver can cost $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 risk profile, and the model of your LR4.

Using high physical damage deductibles could cut rates by as much as $340 annually, whereas increasing liability limits will push rates upward. Switching 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

More mature drivers with a good driving record and higher deductibles may pay as low as $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 in the ballpark of $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 are probably paying anywhere from $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 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 prices. A driver around age 40 might see rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

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 the Best Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 requires having a decent driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief recap of the concepts that were covered above.

• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,300 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $369 each month if comprehensive and collision insurance is included
• It is possible to save around $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible to save around $130 per year just by quoting online in advance