Land Rover LR4 Insurance Rates

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UPDATED: Apr 1, 2024

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Estimated insurance prices for a Land Rover LR4 are $1,174 every 12 months including full coverage. Comprehensive costs on average $228 each year, collision insurance costs $314, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,522. 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:

Comprehensive $228
Collision $314
Liability $474

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and LR4 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Land Rover LR4 range from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,522 for a high-risk insurance policy.

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

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

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

These rate differences highlight why all drivers should compare rates based on a specific location and their own driving history, rather than using average rates.

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 breaks down average Land Rover LR4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $701
  • Drivers who choose higher $1,000 deductibles will pay around $126 every year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,174
  • Using low deductibles for comprehensive and collision insurance increases the price to $1,408
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,522
  • An auto insurance policy to insure a teenage driver may cost $4,558 a year

View Chart as Image

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

Insurance prices for a Land Rover LR4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your LR4.

Using high physical damage deductibles could save up to $360 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay 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 likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Land Rover LR4 insurance rates. A 40-year-old driver could pay 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.

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

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 Best Cheap Land Rover LR4 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the car insurance concepts covered in the charts and tables above.

  • Drivers with a DUI or reckless driving violation may pay on average $1,350 more each year to insure a Land Rover LR4
  • You may be able to save as much as $130 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $350 each year
  • Consumers who require increased liability limits will pay an extra $520 per year to go from 30/60 bodily injury limits to a 250/500 level

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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