Land Rover Discovery 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: May 17, 2024
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Average auto insurance rates for a Land Rover Discovery are $1,462 annually for full coverage. Comprehensive insurance costs on average $318 a year, collision insurance costs $526, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $3,158 or more. 16-year-old drivers receive the highest rates at up to $5,460 a year.
Average premium for full coverage: $1,462
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Discovery trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $510 for your basic liability-only policy to a high of $3,158 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.
These examples show why it is important to compare rates based on a specific location and their own personal driving habits, rather than using rate 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.
More Rate Information
The chart below shows average Land Rover Discovery insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $844
- Drivers who choose higher $1,000 deductibles will pay around $1,270 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,462
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $370 each year
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,158
- The cost with full coverage for a teenage driver may cost $5,460 a year
Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level of your Discovery, your driver profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $570 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,090 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,216 | -$246 | -16.8% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,396 | -$66 | -4.5% |
| Connecticut | $1,504 | $42 | 2.9% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,828 | $366 | 25.0% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $988 | -$474 | -32.4% |
| Illinois | $1,088 | -$374 | -25.6% |
| Indiana | $1,102 | -$360 | -24.6% |
| Iowa | $986 | -$476 | -32.6% |
| Kansas | $1,390 | -$72 | -4.9% |
| Kentucky | $1,994 | $532 | 36.4% |
| Louisiana | $2,164 | $702 | 48.0% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,170 | -$292 | -20.0% |
| Michigan | $2,538 | $1,076 | 73.6% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,750 | $288 | 19.7% |
| Missouri | $1,298 | -$164 | -11.2% |
| Montana | $1,570 | $108 | 7.4% |
| Nebraska | $1,152 | -$310 | -21.2% |
| Nevada | $1,754 | $292 | 20.0% |
| New Hampshire | $1,054 | -$408 | -27.9% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,294 | -$168 | -11.5% |
| New York | $1,540 | $78 | 5.3% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,010 | -$452 | -30.9% |
| Oklahoma | $1,502 | $40 | 2.7% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,952 | $490 | 33.5% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,234 | -$228 | -15.6% |
| Tennessee | $1,280 | -$182 | -12.4% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,082 | -$380 | -26.0% |
| Vermont | $1,000 | -$462 | -31.6% |
| Virginia | $876 | -$586 | -40.1% |
| Washington | $1,130 | -$332 | -22.7% |
| West Virginia | $1,338 | -$124 | -8.5% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,302 | -$160 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2023 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2022 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2021 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2020 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2019 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2018 Land Rover Discovery | $318 | $526 | $460 | $1,462 |
| 2017 Land Rover Discovery | $296 | $484 | $460 | $1,398 |
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 Best Cheap Land Rover Discovery Insurance
Saving money on auto insurance not only requires being a good driver, but also having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Invest the time to compare rates every time your policy renews by getting price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a quick review of the information presented in the illustrations above.
- Drivers can save as much as $180 per year just by quoting early and online
- Drivers age 16 to 20 pay the highest rates, costing as high as $455 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $550 each year
- Drivers with a DUI or reckless driving violation may be required to pay an average of $1,700 more each year than a safer driver
- Consumers who require an increased level of liability coverage will pay around $510 each year to go from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,460 |
| 20 | $3,356 |
| 30 | $1,520 |
| 40 | $1,462 |
| 50 | $1,334 |
| 60 | $1,308 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,832 |
| $250 | $1,662 |
| $500 | $1,462 |
| $1,000 | $1,270 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,554 |
| 100/300 | $1,669 |
| 250/500 | $1,968 |
| 100 CSL | $1,600 |
| 300 CSL | $1,853 |
| 500 CSL | $2,037 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,790 |
| 20 | $5,344 |
| 30 | $3,226 |
| 40 | $3,158 |
| 50 | $3,014 |
| 60 | $2,988 |
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 | $78 |
| Multi-vehicle | $77 |
| Homeowner | $22 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $95 |
| Paid in Full/EFT | $65 |
| Advance Quote | $71 |
| Online Quote | $104 |
| Total Discounts | $618 |
Discounts are estimated and may not be available from every company or in every state.
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