Land Rover Discovery Insurance Rates
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UPDATED: May 17, 2024
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Average auto insurance rates for a Land Rover Discovery are $1,578 annually with full coverage. Comprehensive costs approximately $344 each year, collision costs $624, and liability costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $3,424. Teen drivers receive the highest rates at $5,838 a year or more.
Average premium for full coverage: $1,578
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Discovery models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $504 for just the minimum liability insurance to a high rate of $3,424 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of using price 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 details estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $898
- Using higher $1,000 deductibles will save $220 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,578
- Choosing low deductibles for physical damage coverage will cost $2,004
- Drivers with multiple violations and an at-fault accident could pay around $3,424 or more
- The cost with full coverage for a teen driver can cost $5,838 or more
Auto insurance rates for a Land Rover Discovery can also vary considerably based on the trim level of your Discovery, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $650 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Land Rover Discovery insurance prices. A driver around age 40 might see rates as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,130 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,428 | -$150 | -9.5% |
| Alaska | $1,210 | -$368 | -23.3% |
| Arizona | $1,310 | -$268 | -17.0% |
| Arkansas | $1,578 | -$0 | 0.0% |
| California | $1,798 | $220 | 13.9% |
| Colorado | $1,508 | -$70 | -4.4% |
| Connecticut | $1,622 | $44 | 2.8% |
| Delaware | $1,786 | $208 | 13.2% |
| Florida | $1,974 | $396 | 25.1% |
| Georgia | $1,456 | -$122 | -7.7% |
| Hawaii | $1,134 | -$444 | -28.1% |
| Idaho | $1,068 | -$510 | -32.3% |
| Illinois | $1,174 | -$404 | -25.6% |
| Indiana | $1,188 | -$390 | -24.7% |
| Iowa | $1,064 | -$514 | -32.6% |
| Kansas | $1,500 | -$78 | -4.9% |
| Kentucky | $2,152 | $574 | 36.4% |
| Louisiana | $2,336 | $758 | 48.0% |
| Maine | $972 | -$606 | -38.4% |
| Maryland | $1,300 | -$278 | -17.6% |
| Massachusetts | $1,262 | -$316 | -20.0% |
| Michigan | $2,740 | $1,162 | 73.6% |
| Minnesota | $1,320 | -$258 | -16.3% |
| Mississippi | $1,890 | $312 | 19.8% |
| Missouri | $1,400 | -$178 | -11.3% |
| Montana | $1,694 | $116 | 7.4% |
| Nebraska | $1,246 | -$332 | -21.0% |
| Nevada | $1,894 | $316 | 20.0% |
| New Hampshire | $1,138 | -$440 | -27.9% |
| New Jersey | $1,764 | $186 | 11.8% |
| New Mexico | $1,398 | -$180 | -11.4% |
| New York | $1,662 | $84 | 5.3% |
| North Carolina | $908 | -$670 | -42.5% |
| North Dakota | $1,292 | -$286 | -18.1% |
| Ohio | $1,090 | -$488 | -30.9% |
| Oklahoma | $1,620 | $42 | 2.7% |
| Oregon | $1,446 | -$132 | -8.4% |
| Pennsylvania | $1,504 | -$74 | -4.7% |
| Rhode Island | $2,106 | $528 | 33.5% |
| South Carolina | $1,428 | -$150 | -9.5% |
| South Dakota | $1,330 | -$248 | -15.7% |
| Tennessee | $1,382 | -$196 | -12.4% |
| Texas | $1,904 | $326 | 20.7% |
| Utah | $1,170 | -$408 | -25.9% |
| Vermont | $1,080 | -$498 | -31.6% |
| Virginia | $944 | -$634 | -40.2% |
| Washington | $1,220 | -$358 | -22.7% |
| West Virginia | $1,446 | -$132 | -8.4% |
| Wisconsin | $1,092 | -$486 | -30.8% |
| Wyoming | $1,408 | -$170 | -10.8% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $444 | $780 | $372 | $1,754 |
| 2023 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2022 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2021 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2020 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2019 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2018 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2017 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2004 Land Rover Discovery | $182 | $224 | $442 | $1,006 |
Rates are averaged for all Land Rover Discovery 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 Right Land Rover Discovery Insurance
Saving money on car insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the data covered above.
- Policyholders who purchase more liability protection will pay about $500 every year to increase from a minimum limit to higher 250/500 limits
- You may be able to save around $190 per year simply by quoting online in advance
- Increasing deductibles could save up to $650 each year
- Youthful drivers have the highest car insurance rates, with premiums as much as $487 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,838 |
| 20 | $3,642 |
| 30 | $1,648 |
| 40 | $1,578 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,004 |
| $250 | $1,808 |
| $500 | $1,578 |
| $1,000 | $1,358 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,578 |
| 50/100 | $1,668 |
| 100/300 | $1,781 |
| 250/500 | $2,075 |
| 100 CSL | $1,714 |
| 300 CSL | $1,962 |
| 500 CSL | $2,143 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,354 |
| 20 | $5,800 |
| 30 | $3,500 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
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 | $85 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $680 |
Discounts are estimated and may not be available from every company or in every state.
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