Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,462 a year for full coverage. Comprehensive insurance costs on average $318, collision insurance costs $526, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $3,158 or more. 16-year-old drivers cost the most to insure at up to $5,460 a year.

Average premium for full coverage: $1,462

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Discovery models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how location helps determine car insurance rates.

The examples above show why everyone should compare prices based on a specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

The chart below shows average Land Rover Discovery insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $844
• Using higher $1,000 deductibles will save around $192 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,462
• Buying pricier low deductibles for physical damage coverage will cost an extra $370 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,158
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,460 or more

View Chart as Image

Car insurance rates for a Land Rover Discovery also range considerably based on your risk profile, the trim level of your Discovery, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Your home state has a huge impact on Land Rover Discovery insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. Land Rover Discovery insurance for high-risk drivers can be around 44% to 130% more than the average rate. View High Risk Driver Rates

How to Find Affordable Land Rover Discovery Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a brief review of the material that was covered in the charts and tables above.

• Consumers who require more liability protection will pay around $510 each year to increase from a 30/60 limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $455 each month if full coverage is included
• Drivers with DUI or reckless driving convictions will pay on average $1,700 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $550 each year