Land Rover LR2 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: Jun 4, 2023
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The average insurance prices for a Land Rover LR2 are $1,078 every 12 months with full coverage. Comprehensive costs an estimated $198 a year, collision costs $248, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,314. Teen drivers cost the most to insure at $4,260 a year or more.
Average premium for full coverage: $1,078
Policy rates broken down by type of insurance:
Rate estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and LR2 trim levels.
Price Range Variability
For the average 40-year-old driver, Land Rover LR2 insurance rates go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,314 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
The examples above demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than using price averages.
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 Details
The chart below details estimated Land Rover LR2 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $650
- Using higher $1,000 deductibles will save approximately $976 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,078
- Choosing low $100 deductibles for physical damage coverage increases the price to $1,272
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,314 or more
- Policy cost to insure a teenage driver can cost as much as $4,260 or more
Car insurance rates for a Land Rover LR2 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles could cut rates by as much as $300 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 134% more than average. View High Risk Driver Rates
Your home state has a huge impact on Land Rover LR2 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,460 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $976 | -$102 | -9.5% |
| Alaska | $826 | -$252 | -23.4% |
| Arizona | $894 | -$184 | -17.1% |
| Arkansas | $1,078 | -$0 | 0.0% |
| California | $1,230 | $152 | 14.1% |
| Colorado | $1,032 | -$46 | -4.3% |
| Connecticut | $1,110 | $32 | 3.0% |
| Delaware | $1,222 | $144 | 13.4% |
| Florida | $1,350 | $272 | 25.2% |
| Georgia | $996 | -$82 | -7.6% |
| Hawaii | $774 | -$304 | -28.2% |
| Idaho | $728 | -$350 | -32.5% |
| Illinois | $804 | -$274 | -25.4% |
| Indiana | $812 | -$266 | -24.7% |
| Iowa | $728 | -$350 | -32.5% |
| Kansas | $1,026 | -$52 | -4.8% |
| Kentucky | $1,472 | $394 | 36.5% |
| Louisiana | $1,596 | $518 | 48.1% |
| Maine | $666 | -$412 | -38.2% |
| Maryland | $890 | -$188 | -17.4% |
| Massachusetts | $862 | -$216 | -20.0% |
| Michigan | $1,874 | $796 | 73.8% |
| Minnesota | $902 | -$176 | -16.3% |
| Mississippi | $1,292 | $214 | 19.9% |
| Missouri | $956 | -$122 | -11.3% |
| Montana | $1,160 | $82 | 7.6% |
| Nebraska | $850 | -$228 | -21.2% |
| Nevada | $1,294 | $216 | 20.0% |
| New Hampshire | $776 | -$302 | -28.0% |
| New Jersey | $1,206 | $128 | 11.9% |
| New Mexico | $956 | -$122 | -11.3% |
| New York | $1,136 | $58 | 5.4% |
| North Carolina | $622 | -$456 | -42.3% |
| North Dakota | $884 | -$194 | -18.0% |
| Ohio | $744 | -$334 | -31.0% |
| Oklahoma | $1,110 | $32 | 3.0% |
| Oregon | $988 | -$90 | -8.3% |
| Pennsylvania | $1,032 | -$46 | -4.3% |
| Rhode Island | $1,438 | $360 | 33.4% |
| South Carolina | $978 | -$100 | -9.3% |
| South Dakota | $912 | -$166 | -15.4% |
| Tennessee | $946 | -$132 | -12.2% |
| Texas | $1,300 | $222 | 20.6% |
| Utah | $798 | -$280 | -26.0% |
| Vermont | $740 | -$338 | -31.4% |
| Virginia | $646 | -$432 | -40.1% |
| Washington | $836 | -$242 | -22.4% |
| West Virginia | $988 | -$90 | -8.3% |
| Wisconsin | $748 | -$330 | -30.6% |
| Wyoming | $962 | -$116 | -10.8% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR2 | $1,060 | $88 |
| Land Rover LR2 HSE | $1,078 | $90 |
| Land Rover LR2 HSE Luxury | $1,100 | $92 |
Rates assume 2012 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 |
|---|---|---|---|---|
| 2012 Land Rover LR2 | $198 | $248 | $474 | $1,078 |
| 2008 Land Rover LR2 | $176 | $188 | $452 | $974 |
Rates are averaged for all Land Rover LR2 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 Land Rover LR2 Insurance
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following is a brief recap of the coverage data touched on in this article.
- You may be able to save approximately $120 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $300 each year
- Teens have the highest car insurance rates, as much as $355 each month if the policy includes full coverage
- Drivers who tend to receive serious violations may pay on average $1,240 more annually for LR2 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,260 |
| 20 | $2,450 |
| 30 | $1,102 |
| 40 | $1,078 |
| 50 | $988 |
| 60 | $968 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,272 |
| $250 | $1,184 |
| $500 | $1,078 |
| $1,000 | $976 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,078 |
| 50/100 | $1,195 |
| 100/300 | $1,313 |
| 250/500 | $1,621 |
| 100 CSL | $1,242 |
| 300 CSL | $1,503 |
| 500 CSL | $1,693 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,010 |
| 20 | $3,906 |
| 30 | $2,338 |
| 40 | $2,314 |
| 50 | $2,212 |
| 60 | $2,188 |
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 | $55 |
| Multi-vehicle | $57 |
| Homeowner | $19 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $428 |
Discounts are estimated and may not be available from every company or in every state.
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