Land Rover LR4 Insurance Rates

Estimated insurance prices for a Land Rover LR4 are $1,174 every 12 months for full coverage insurance. Comprehensive insurance costs on average $228, collision insurance costs $314, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs $2,522 or more. Teenage drivers pay the most at up to $4,558 a year.

Average premium for full coverage: $1,174

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all LR4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why everyone should compare rates quotes based on a 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.

Detailed Rate Analysis

The chart below illustrates average Land Rover LR4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $701
• Raising to $1,000 deductibles will save around $126 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,174
• Using pricier low deductibles costs an extra $234 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,522
• An auto insurance policy to insure a 16-year-old driver for full coverage may cost $4,558

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Car insurance prices for a Land Rover LR4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your LR4.

Using high physical damage deductibles can reduce prices by up to $360 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Land Rover LR4 insurance for high-risk drivers is expensive and can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.

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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 Cheap Land Rover LR4 Insurance

Finding better rates on insurance for a Land Rover LR4 consists of avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from several local insurance agents.

The points below are a brief summary of the material that was covered above.

• Insureds who require increased liability limits will pay an extra $520 annually to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $380 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,350 more each year to insure a Land Rover LR4
• Increasing policy deductibles could save as much as $350 each year