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 auto insurance rates for a Land Rover LR2 are $1,078 annually for full coverage insurance. Comprehensive costs on average $198 a year, collision insurance costs $248, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,314. 16-year-old drivers cost the most to insure at up to $4,260 a year.
Average premium for full coverage: $1,078
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and LR2 trim levels.
Price Range Variability
For a driver around age 40, Land Rover LR2 insurance rates range from as cheap as $522 for just the minimum liability insurance to a high of $2,314 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.
Additional Rate Analysis
The chart below illustrates average Land Rover LR2 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $650
- Raising to $1,000 deductibles will save around $976 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,078
- Buying low $100 deductibles will cost $1,272
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,314
- Policy cost with full coverage for a teenage driver may cost $4,260
Insurance rates for a Land Rover LR2 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $300 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Land Rover LR2 insurance rates. A middle-age driver might find rates as low as $710 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,460 on average in Michigan, New York, 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% |
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 Best Land Rover LR2 Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a brief recap of the information covered above.
- It is possible to save as much as $120 per year just by quoting early and online
- Teen drivers pay the highest rates, possibly costing $355 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $300 each year
- Drivers who tend to receive serious violations may pay on average $1,240 more each year to insure their LR2
- Consumers who require more liability coverage will pay around $520 annually to raise from a 30/60 limit to higher 250/500 limits
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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