Land Rover Discovery Insurance Rates

The average insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage. Comprehensive costs around $318 a year, collision insurance costs $526, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs around $3,158. Teen drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates for type of insurance:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Land Rover Discovery insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $844
• Drivers who choose higher $1,000 deductibles will pay about $1,270 a year
• The average price for a good driver age 40 using $500 deductibles is $1,462
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,832
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,158
• Policy cost to insure a teen driver can be $5,460 a year

View Chart as Image

Auto insurance rates for a Land Rover Discovery also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles could save up to $570 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,090 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Land Rover Discovery Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick review of the material that was touched on in this article.

• Policyholders who may need higher levels of liability will pay about $510 each year to go from a 30/60 limit to a 250/500 level
• Teenage drivers are expensive to insure, costing up to $455 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,700 more every year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $550 each year