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 insurance prices for a Land Rover LR2 are $1,120 every 12 months for full coverage insurance. Comprehensive costs approximately $212, collision insurance costs $272, and liability is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs around $2,404. Teens receive the highest rates at up to $4,390 a year.
Average premium for full coverage: $1,120
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different LR2 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $526 for just the minimum liability insurance to a much higher rate of $2,404 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.
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 additional coverage and risk scenarios.
- The cheapest rate after discounts is $674
- Raising to $1,000 deductibles will save $110 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,120
- Selecting more expensive low deductibles increases the price to $1,330
- Drivers with serious driving violations could pay around $2,404
- The cost to insure a 16-year-old driver with full coverage can cost $4,390
Insurance rates for a Land Rover LR2 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your LR2.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Land Rover LR2 insurance prices. A middle-age driver might find rates as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,510 on average in Florida, New York, and Michigan.
| 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% |
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 Shop for More Affordable Land Rover LR2 Insurance
Saving money on insurance for a Land Rover LR2 consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following list is a summary of the primary concepts that were presented in the illustrations above.
- It is possible to save around $130 per year just by shopping early and online
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,280 more per year than a safer driver
- Increasing deductibles could save as much as $325 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $366 per month if full coverage is included
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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