Land Rover LR4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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