Land Rover LR4 Insurance Rates

Average insurance prices for a Land Rover LR4 are $1,174 every 12 months including full coverage. Comprehensive costs around $228, collision costs $314, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,522. Teenage drivers receive the highest rates at $4,558 a year or more.

Average premium for full coverage: $1,174

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different LR4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices for a specific zip code 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 breaks down estimated Land Rover LR4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $701
• Using higher $1,000 deductibles will save about $126 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,174
• Using more expensive low deductibles for physical damage coverage increases the price to $1,408
• High-risk insureds who are prone to accidents and violations could pay at least $2,522 or more
• The cost to insure a 16-year-old driver with full coverage can be $4,558 or more

View Chart as Image

Car insurance rates for a Land Rover LR4 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $360 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be from 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Land Rover LR4 insurance prices. A driver around age 40 might see rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,670 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 Shop for More Affordable Land Rover LR4 Insurance

Saving money on insurance for a Land Rover LR4 requires having a decent driving record, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the data that was raised in the charts and tables above.

• You may be able to save up to $130 per year simply by shopping early and online
• Insureds who may need additional liability coverage will pay an extra $520 per year to increase from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, as much as $380 per month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,350 more every year than a driver with a clean driving record