Land Rover Discovery Insurance Rates

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Lower Your 2017 Land Rover Discovery Insurance Rates in 2025

Searching for the cheapest insurance rates for your Land Rover Discovery? Are you burned out from not being able to scrape enough together to pay high insurance rates every month? You are in the same boat as most other consumers. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rat...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 17, 2024

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The average insurance rates for a Land Rover Discovery are $1,534 a year with full coverage. Comprehensive costs around $332, collision insurance costs $588, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,320. Teens cost the most to insure at up to $5,698 a year.

Average premium for full coverage: $1,534

Policy rates for type of insurance:

Comprehensive $332
Collision $588
Liability $456

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Discovery models.

Price Range Variability

For the normal driver, Land Rover Discovery insurance rates range from the low end price of $508 for your basic liability-only policy to the much higher price of $3,320 for high-risk insurance.

Liability Only $508
Full Coverage $1,534
High Risk $3,320

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,151
Small Cities $1,611
Large Cities $2,071

The examples above demonstrate why everyone should compare rates for a specific zip code, instead of using 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.

More Rate Information

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

  • The cheapest rate after discounts is $876
  • Drivers who choose higher $1,000 deductibles will pay about $210 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,534
  • Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,938
  • Higher-risk drivers with serious driving violations could pay at least $3,320
  • Policy cost that insures a teen driver for full coverage can be $5,698 a year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing Land Rover Discovery insurance rates range from $876 to $5,698 for full coverage

Car insurance rates for a Land Rover Discovery also range considerably based on the model of your Discovery, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,800 to $2,500 extra every year, depending on your age. Land Rover Discovery insurance for high-risk drivers can cost as much as 44% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,600 a year. View Rates by Age

Your home state makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,070 on average in Florida, Michigan, and New York.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,386 -$148 -9.6%
Alaska $1,176 -$358 -23.3%
Arizona $1,272 -$262 -17.1%
Arkansas $1,534 -$0 0.0%
California $1,748 $214 14.0%
Colorado $1,464 -$70 -4.6%
Connecticut $1,576 $42 2.7%
Delaware $1,734 $200 13.0%
Florida $1,918 $384 25.0%
Georgia $1,414 -$120 -7.8%
Hawaii $1,102 -$432 -28.2%
Idaho $1,036 -$498 -32.5%
Illinois $1,142 -$392 -25.6%
Indiana $1,154 -$380 -24.8%
Iowa $1,034 -$500 -32.6%
Kansas $1,456 -$78 -5.1%
Kentucky $2,092 $558 36.4%
Louisiana $2,268 $734 47.8%
Maine $946 -$588 -38.3%
Maryland $1,264 -$270 -17.6%
Massachusetts $1,226 -$308 -20.1%
Michigan $2,662 $1,128 73.5%
Minnesota $1,284 -$250 -16.3%
Mississippi $1,836 $302 19.7%
Missouri $1,360 -$174 -11.3%
Montana $1,648 $114 7.4%
Nebraska $1,206 -$328 -21.4%
Nevada $1,836 $302 19.7%
New Hampshire $1,104 -$430 -28.0%
New Jersey $1,712 $178 11.6%
New Mexico $1,358 -$176 -11.5%
New York $1,614 $80 5.2%
North Carolina $882 -$652 -42.5%
North Dakota $1,252 -$282 -18.4%
Ohio $1,058 -$476 -31.0%
Oklahoma $1,574 $40 2.6%
Oregon $1,404 -$130 -8.5%
Pennsylvania $1,462 -$72 -4.7%
Rhode Island $2,046 $512 33.4%
South Carolina $1,388 -$146 -9.5%
South Dakota $1,294 -$240 -15.6%
Tennessee $1,342 -$192 -12.5%
Texas $1,846 $312 20.3%
Utah $1,134 -$400 -26.1%
Vermont $1,050 -$484 -31.6%
Virginia $918 -$616 -40.2%
Washington $1,186 -$348 -22.7%
West Virginia $1,404 -$130 -8.5%
Wisconsin $1,062 -$472 -30.8%
Wyoming $1,364 -$170 -11.1%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $620 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Land Rover Discovery $424 $750 $390 $1,722
2023 Land Rover Discovery $406 $744 $398 $1,706
2022 Land Rover Discovery $394 $726 $416 $1,694
2021 Land Rover Discovery $380 $696 $430 $1,664
2020 Land Rover Discovery $358 $672 $442 $1,630
2019 Land Rover Discovery $344 $624 $452 $1,578
2018 Land Rover Discovery $332 $588 $456 $1,534
2017 Land Rover Discovery $318 $526 $460 $1,462

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 Find the Best Land Rover Discovery Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the material that was presented in the illustrations above.

  • Policyholders who may need increased liability limits will pay approximately $500 every year to go from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 are the costliest to insure, as much as $475 each month if full coverage is purchased
  • Higher risk drivers who tend to receive serious violations may pay on average $1,790 more every year to insure a Land Rover Discovery
  • Increasing comprehensive and collision deductibles can save approximately $625 each year

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $5,698
20 $3,532
30 $1,598
40 $1,534
50 $1,398
60 $1,372

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,938
$250 $1,750
$500 $1,534
$1,000 $1,324

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,534
50/100 $1,625
100/300 $1,739
250/500 $2,036
100 CSL $1,671
300 CSL $1,922
500 CSL $2,104

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $8,142
20 $5,628
30 $3,392
40 $3,320
50 $3,170
60 $3,142

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 $216

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $83
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $114
5-yr Claim Free $100
Paid in Full/EFT $71
Advance Quote $76
Online Quote $110
Total Discounts $658
Rate after discounts $876

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

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