Land Rover LR4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 1, 2024

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Average insurance rates for a Land Rover LR4 are $1,222 a year with full coverage. Comprehensive insurance costs on average $244 a year, collision insurance costs $342, and liability is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs $2,630 or more. Teens receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,222

Rate estimates by individual coverage type:

Comprehensive $244
Collision $342
Liability $478

Estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and LR4 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $526 for liability-only coverage to a high of $2,630 for a high-risk insurance policy.

Liability Only $526
Full Coverage $1,222
High Risk $2,630

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $917
Small Cities $1,283
Large Cities $1,650

These examples demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based 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 Charts and Tables

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

  • The cheapest rate after discounts is $725
  • Raising to $1,000 deductibles will save around $1,090 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,222
  • Selecting low $100 deductibles will cost an extra $256 annually
  • Drivers with serious driving violations could pay upwards of $2,630
  • The cost for full coverage for a 16-year-old driver may cost $4,716

View Chart as Image

Land Rover LR4 insurance cost comparison chart
Column chart showing Land Rover LR4 insurance prices range from $725 to $4,716 for full coverage

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

Older drivers with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

Where you live also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,650 on average in Florida, Michigan, and New York.

Land Rover LR4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,106 -$116 -9.5%
Alaska $938 -$284 -23.2%
Arizona $1,014 -$208 -17.0%
Arkansas $1,222 -$0 0.0%
California $1,392 $170 13.9%
Colorado $1,168 -$54 -4.4%
Connecticut $1,256 $34 2.8%
Delaware $1,384 $162 13.3%
Florida $1,528 $306 25.0%
Georgia $1,128 -$94 -7.7%
Hawaii $878 -$344 -28.2%
Idaho $828 -$394 -32.2%
Illinois $912 -$310 -25.4%
Indiana $920 -$302 -24.7%
Iowa $824 -$398 -32.6%
Kansas $1,164 -$58 -4.7%
Kentucky $1,668 $446 36.5%
Louisiana $1,810 $588 48.1%
Maine $754 -$468 -38.3%
Maryland $1,008 -$214 -17.5%
Massachusetts $978 -$244 -20.0%
Michigan $2,126 $904 74.0%
Minnesota $1,024 -$198 -16.2%
Mississippi $1,464 $242 19.8%
Missouri $1,084 -$138 -11.3%
Montana $1,314 $92 7.5%
Nebraska $964 -$258 -21.1%
Nevada $1,466 $244 20.0%
New Hampshire $882 -$340 -27.8%
New Jersey $1,368 $146 11.9%
New Mexico $1,082 -$140 -11.5%
New York $1,288 $66 5.4%
North Carolina $704 -$518 -42.4%
North Dakota $1,000 -$222 -18.2%
Ohio $844 -$378 -30.9%
Oklahoma $1,256 $34 2.8%
Oregon $1,120 -$102 -8.3%
Pennsylvania $1,168 -$54 -4.4%
Rhode Island $1,632 $410 33.6%
South Carolina $1,106 -$116 -9.5%
South Dakota $1,032 -$190 -15.5%
Tennessee $1,072 -$150 -12.3%
Texas $1,476 $254 20.8%
Utah $906 -$316 -25.9%
Vermont $836 -$386 -31.6%
Virginia $732 -$490 -40.1%
Washington $944 -$278 -22.7%
West Virginia $1,120 -$102 -8.3%
Wisconsin $846 -$376 -30.8%
Wyoming $1,092 -$130 -10.6%

View Chart as Image

Land Rover LR4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $390 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates

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 $1,178 $98
Land Rover LR4 HSE $1,200 $100
Land Rover LR4 HSE Plus $1,222 $102
Land Rover LR4 LUX $1,246 $104

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 $308 $506 $460 $1,432
2015 Land Rover LR4 $288 $466 $460 $1,372
2014 Land Rover LR4 $278 $436 $464 $1,336
2013 Land Rover LR4 $270 $406 $474 $1,308
2012 Land Rover LR4 $250 $378 $474 $1,260
2011 Land Rover LR4 $244 $342 $478 $1,222
2010 Land Rover LR4 $228 $314 $474 $1,174

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 Find Low Cost Land Rover LR4 Insurance

Saving money on insurance for a Land Rover LR4 consists of not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following is a review of the car insurance concepts raised in the charts and tables above.

  • Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,410 more each year for LR4 insurance
  • You may be able to save as much as $140 per year just by quoting early and online
  • Increasing deductibles can save around $400 each year
  • Insureds who require higher liability limits will pay approximately $530 every year to raise from a minimum limit to 250/500 limits

Rates by Driver Age

Land Rover LR4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $2,786
30 $1,258
40 $1,222
50 $1,120
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Land Rover LR4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,362
$500 $1,222
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,222
50/100 $1,342
100/300 $1,461
250/500 $1,772
100 CSL $1,389
300 CSL $1,652
500 CSL $1,844

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover LR4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,686
20 $4,438
30 $2,670
40 $2,630
50 $2,512
60 $2,486

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $78
Paid in Full/EFT $49
Advance Quote $56
Online Quote $85
Total Discounts $497
Rate after discounts $725

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

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