Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year with full coverage. Comprehensive costs around $318 a year, collision insurance costs $526, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage 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 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code, rather than relying on price averages.

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

Additional Rate Details

The chart below details 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 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,462
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,832
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,158
• Policy cost that insures a teen driver can be $5,460 a year

View Chart as Image

Insurance rates for a Land Rover Discovery also range considerably based on the trim level 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 $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age

Your home state makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

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

How to Find the Best Cheap Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around at least every other year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a quick review of the car insurance concepts touched on above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,700 more every year to buy Land Rover Discovery insurance
• You may be able to save up to $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers who may need increased levels of liability coverage will pay about $510 every year to go from a 30/60 limit to the 250/500 level