Land Rover LR4 Insurance Rates

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UPDATED: Apr 1, 2024

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U.S. average insurance prices for a Land Rover LR4 are $1,174 every 12 months for full coverage. Comprehensive costs on average $228, collision costs $314, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,522. Teens pay the highest rates at $4,558 a year or more.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Comprehensive $228
Collision $314
Liability $474

Includes $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different LR4 trim levels.

Price Range from Low to High

For the normal driver, Land Rover LR4 insurance prices go from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,522 for high-risk insurance.

Liability Only $522
Full Coverage $1,174
High Risk $2,522

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion.

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

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below shows estimated Land Rover LR4 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $701
  • Raising to $1,000 deductibles will save around $126 a year
  • The average price for the average middle-age driver with $500 deductibles is $1,174
  • Selecting more expensive low deductibles increases the price to $1,408
  • Higher-risk drivers with serious driving violations could pay upwards of $2,522 or more
  • The price to insure a teen driver with full coverage may cost $4,558

View Chart as Image

Land Rover LR4 insurance cost comparison chart
Column chart showing full coverage Land Rover LR4 insurance rates range from $701 to $4,558

Insurance prices for a Land Rover LR4 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your LR4.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher 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 excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

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 $770 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,670 on average in Michigan, Louisiana, and New York.

Land Rover LR4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $898 -$276 -23.5%
Arizona $972 -$202 -17.2%
Arkansas $1,174 -$0 0.0%
California $1,338 $164 14.0%
Colorado $1,122 -$52 -4.4%
Connecticut $1,206 $32 2.7%
Delaware $1,330 $156 13.3%
Florida $1,468 $294 25.0%
Georgia $1,082 -$92 -7.8%
Hawaii $844 -$330 -28.1%
Idaho $792 -$382 -32.5%
Illinois $874 -$300 -25.6%
Indiana $882 -$292 -24.9%
Iowa $792 -$382 -32.5%
Kansas $1,116 -$58 -4.9%
Kentucky $1,600 $426 36.3%
Louisiana $1,734 $560 47.7%
Maine $724 -$450 -38.3%
Maryland $966 -$208 -17.7%
Massachusetts $938 -$236 -20.1%
Michigan $2,038 $864 73.6%
Minnesota $980 -$194 -16.5%
Mississippi $1,404 $230 19.6%
Missouri $1,040 -$134 -11.4%
Montana $1,260 $86 7.3%
Nebraska $926 -$248 -21.1%
Nevada $1,406 $232 19.8%
New Hampshire $844 -$330 -28.1%
New Jersey $1,310 $136 11.6%
New Mexico $1,040 -$134 -11.4%
New York $1,236 $62 5.3%
North Carolina $674 -$500 -42.6%
North Dakota $960 -$214 -18.2%
Ohio $808 -$366 -31.2%
Oklahoma $1,206 $32 2.7%
Oregon $1,074 -$100 -8.5%
Pennsylvania $1,120 -$54 -4.6%
Rhode Island $1,564 $390 33.2%
South Carolina $1,062 -$112 -9.5%
South Dakota $990 -$184 -15.7%
Tennessee $1,026 -$148 -12.6%
Texas $1,414 $240 20.4%
Utah $868 -$306 -26.1%
Vermont $804 -$370 -31.5%
Virginia $702 -$472 -40.2%
Washington $908 -$266 -22.7%
West Virginia $1,074 -$100 -8.5%
Wisconsin $814 -$360 -30.7%
Wyoming $1,046 -$128 -10.9%

View Chart as Image

Land Rover LR4 insurance rates by U.S. city

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Land Rover LR4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Land Rover LR4 $1,132 $94
Land Rover LR4 HSE $1,152 $96
Land Rover LR4 HSE Plus $1,174 $98
Land Rover LR4 LUX $1,192 $99

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.

Land Rover LR4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Land Rover LR4 $288 $466 $460 $1,372
2015 Land Rover LR4 $278 $436 $464 $1,336
2014 Land Rover LR4 $270 $406 $474 $1,308
2013 Land Rover LR4 $250 $378 $474 $1,260
2012 Land Rover LR4 $244 $342 $478 $1,222
2011 Land Rover LR4 $228 $314 $474 $1,174
2010 Land Rover LR4 $214 $284 $474 $1,130

Rates are averaged for all Land Rover LR4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Land Rover LR4 Insurance

Getting lower rates on Land Rover LR4 insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the material that was presented in the illustrations above.

  • Drivers who require higher levels of liability will pay approximately $520 each year to raise from a low limit to a 250/500 level
  • Teenage drivers pay higher prices, with premiums as much as $380 a month if full coverage is included
  • High-risk drivers that have major violations or accidents pay an average of $1,350 more each year for auto insurance
  • Increasing physical damage deductibles could save as much as $350 each year

Rates by Driver Age

Land Rover LR4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,558
20 $2,670
30 $1,206
40 $1,174
50 $1,072
60 $1,050

Full coverage, $500 deductibles

Rates by Deductible

Land Rover LR4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,174
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,287
100/300 $1,405
250/500 $1,713
100 CSL $1,334
300 CSL $1,595
500 CSL $1,785

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover LR4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,452
20 $4,258
30 $2,554
40 $2,522
50 $2,408
60 $2,382

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $76
5-yr Claim Free $74
Paid in Full/EFT $46
Advance Quote $53
Online Quote $81
Total Discounts $473
Rate after discounts $701

Discounts are estimated and may not be available from every company or in every state.

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