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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Average auto insurance rates for a Land Rover LR2 are $1,078 annually for full coverage. Comprehensive costs on average $198, collision costs $248, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,314. 16-year-old drivers receive the highest rates at $4,260 a year or more.
Average premium for full coverage: $1,078
Rate estimates by individual coverage type:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all LR2 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,314 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate 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.
Rates by State, City, and Model
The chart below shows estimated Land Rover LR2 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $650
- Drivers who choose higher $1,000 deductibles will pay around $102 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,078
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,272
- Drivers with multiple tickets or accidents could pay upwards of $2,314 or more
- The cost with full coverage for a 16-year-old driver for full coverage may cost $4,260 a year
Insurance rates for a Land Rover LR2 can also vary considerably based on the trim level of your LR2, your driver profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Land Rover LR2 insurance for high-risk drivers can cost from 42% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $300 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Land Rover LR2 insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or at least $1,540 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different between companies.
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 Buy the Cheapest Land Rover LR2 Insurance
Saving money on insurance for a Land Rover LR2 not only requires being a low-risk driver, but also having a good credit history, eliminating unneeded coverage, and bundling your home and auto policies. Set aside time to shop around at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The items below are a recap of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,240 more each year to insure their LR2
- Increasing deductibles could save up to $300 each year
- Teen drivers pay the highest rates, costing as high as $355 per month including comprehensive and collision 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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