Land Rover LR2 Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance prices for a Land Rover LR2 are $1,120 every 12 months including full coverage. Comprehensive insurance costs an estimated $212 each year, collision costs $272, and liability coverage is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing $2,404 or more. Teenage drivers cost the most to insure at $4,390 a year or more.

Average premium for full coverage: $1,120

Policy rates broken down by type of insurance:

Comprehensive $212
Collision $272
Liability $478

Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and LR2 models.

Price Range Variability

For a driver around age 40, Land Rover LR2 insurance rates go from the cheapest price of $526 for basic liability insurance to a high rate of $2,404 for a high-risk insurance policy.

Liability Only $526
Full Coverage $1,120
High Risk $2,404

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $840
Small Cities $1,176
Large Cities $1,512

The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, rather than using 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.

Rate Comparisons

The chart below breaks down estimated Land Rover LR2 insurance rates for other coverage scenarios.

  • The best discount rate is $674
  • Choosing higher $1,000 deductibles can save approximately $110 every year
  • The average price for a good driver age 40 who has $500 deductibles is $1,120
  • Using low deductibles for comp and collision coverage costs an extra $210 each year
  • Drivers who are prone to accidents and violations could pay up to $2,404 or more
  • Policy cost to insure a teenage driver can cost as much as $4,390 each year

View Chart as Image

Land Rover LR2 insurance cost comparison chart
Column chart showing full coverage Land Rover LR2 insurance prices range from $674 to $4,390

Insurance rates for a Land Rover LR2 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $320 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Land Rover LR2 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,600 on average in Louisiana, New York, and Michigan.

Land Rover LR2 Insurance Rates by State
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%

View Chart as Image

Land Rover LR2 insurance rates by U.S. city

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Land Rover LR2 Insurance Rates by Model and Trim Level
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.

Land Rover LR2 Insurance Rates by Model Year
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 Shop for the Right Land Rover LR2 Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the car insurance concepts covered above.

  • Drivers with reckless driving or DUI convictions may have to pay on average $1,280 more annually to buy Land Rover LR2 insurance
  • You may be able to save approximately $130 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $325 each year
  • Consumers who want increased levels of liability coverage will pay an extra $530 per year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Land Rover LR2 Insurance 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

Land Rover LR2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,234
$500 $1,120
$1,000 $1,010

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR2 Insurance Rates with Different Liability Limits
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

Land Rover LR2 Insurance 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.

SR-22 Surcharge $150

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
Rate after discounts $674

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

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