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 $1,120 annually with full coverage. Comprehensive costs on average $212 each year, collision costs $272, and liability insurance is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,404. Teenage drivers receive the highest rates at $4,390 a year or more.
Average premium for full coverage: $1,120
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and LR2 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $526 for liability-only coverage to a high rate of $2,404 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on 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 Charts and Tables
The chart below details estimated Land Rover LR2 insurance rates for different risk profiles and scenarios.
- The best discount rate is $674
- Raising to $1,000 deductibles will save around $110 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,120
- Using low deductibles will cost $1,330
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,404 or more
- The cost with full coverage for a teen driver may cost $4,390
Insurance rates for a Land Rover LR2 can also vary considerably based on the trim level of your LR2, your driving record, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $320 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Land Rover LR2 insurance rates. A middle-age driver might find rates as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,510 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,014 | -$106 | -9.5% |
| Alaska | $860 | -$260 | -23.2% |
| Arizona | $930 | -$190 | -17.0% |
| Arkansas | $1,120 | -$0 | 0.0% |
| California | $1,276 | $156 | 13.9% |
| Colorado | $1,072 | -$48 | -4.3% |
| Connecticut | $1,152 | $32 | 2.9% |
| Delaware | $1,268 | $148 | 13.2% |
| Florida | $1,402 | $282 | 25.2% |
| Georgia | $1,032 | -$88 | -7.9% |
| Hawaii | $804 | -$316 | -28.2% |
| Idaho | $758 | -$362 | -32.3% |
| Illinois | $834 | -$286 | -25.5% |
| Indiana | $842 | -$278 | -24.8% |
| Iowa | $756 | -$364 | -32.5% |
| Kansas | $1,066 | -$54 | -4.8% |
| Kentucky | $1,528 | $408 | 36.4% |
| Louisiana | $1,658 | $538 | 48.0% |
| Maine | $692 | -$428 | -38.2% |
| Maryland | $924 | -$196 | -17.5% |
| Massachusetts | $898 | -$222 | -19.8% |
| Michigan | $1,948 | $828 | 73.9% |
| Minnesota | $938 | -$182 | -16.3% |
| Mississippi | $1,344 | $224 | 20.0% |
| Missouri | $996 | -$124 | -11.1% |
| Montana | $1,204 | $84 | 7.5% |
| Nebraska | $884 | -$236 | -21.1% |
| Nevada | $1,344 | $224 | 20.0% |
| New Hampshire | $808 | -$312 | -27.9% |
| New Jersey | $1,254 | $134 | 12.0% |
| New Mexico | $990 | -$130 | -11.6% |
| New York | $1,180 | $60 | 5.4% |
| North Carolina | $644 | -$476 | -42.5% |
| North Dakota | $916 | -$204 | -18.2% |
| Ohio | $774 | -$346 | -30.9% |
| Oklahoma | $1,150 | $30 | 2.7% |
| Oregon | $1,026 | -$94 | -8.4% |
| Pennsylvania | $1,072 | -$48 | -4.3% |
| Rhode Island | $1,494 | $374 | 33.4% |
| South Carolina | $1,014 | -$106 | -9.5% |
| South Dakota | $946 | -$174 | -15.5% |
| Tennessee | $982 | -$138 | -12.3% |
| Texas | $1,352 | $232 | 20.7% |
| Utah | $832 | -$288 | -25.7% |
| Vermont | $768 | -$352 | -31.4% |
| Virginia | $670 | -$450 | -40.2% |
| Washington | $866 | -$254 | -22.7% |
| West Virginia | $1,028 | -$92 | -8.2% |
| Wisconsin | $776 | -$344 | -30.7% |
| Wyoming | $1,000 | -$120 | -10.7% |
With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, 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 | $1,100 | $92 |
| Land Rover LR2 HSE | $1,120 | $93 |
| Land Rover LR2 HSE Luxury | $1,142 | $95 |
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 | $212 | $272 | $478 | $1,120 |
| 2008 Land Rover LR2 | $178 | $198 | $460 | $994 |
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 Best Cheap Land Rover LR2 Insurance
Saving money on Land Rover LR2 insurance consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a quick review of the primary concepts that were touched on in the above illustrations.
- You may be able to save as much as $130 per year simply by quoting online in advance
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,280 more each year than a driver with a clean driving record
- Increasing deductibles could save up to $325 each year
- 16 to 18-year-old drivers pay the highest rates, with premiums as much as $366 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,390 |
| 20 | $2,544 |
| 30 | $1,148 |
| 40 | $1,120 |
| 50 | $1,028 |
| 60 | $1,006 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,330 |
| $250 | $1,234 |
| $500 | $1,120 |
| $1,000 | $1,010 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,120 |
| 50/100 | $1,238 |
| 100/300 | $1,357 |
| 250/500 | $1,668 |
| 100 CSL | $1,285 |
| 300 CSL | $1,548 |
| 500 CSL | $1,740 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,206 |
| 20 | $4,056 |
| 30 | $2,434 |
| 40 | $2,404 |
| 50 | $2,296 |
| 60 | $2,272 |
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 | $58 |
| Multi-vehicle | $59 |
| Homeowner | $19 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $42 |
| Advance Quote | $50 |
| Online Quote | $77 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
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