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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The average auto insurance rates for a Land Rover Discovery are $1,534 annually including full coverage. Comprehensive costs around $332 each year, collision insurance costs $588, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,320. 16-year-old drivers 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:
These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Discovery models.
Price Range Variability
Using a middle-aged driver as an example, Land Rover Discovery insurance rates range from as cheap as $508 for just the minimum liability insurance to a high rate of $3,320 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance rates.
The examples above highlight why all drivers should compare rates for a specific zip code 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.
Additional Rate Analysis
The chart below breaks down average Land Rover Discovery insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $876
- Drivers who choose higher $1,000 deductibles will pay about $210 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,534
- Buying low deductibles for comprehensive and collision insurance will cost $1,938
- High-risk insureds with multiple tickets or accidents could pay at least $3,320
- Policy cost with full coverage for a teenage driver can be $5,698 a year
Car insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $620 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,190 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy Cheap Land Rover Discovery Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief summary of the primary concepts that were touched on in the above illustrations.
- You may be able to save up to $190 per year just by quoting online in advance
- Drivers that tend to have accidents or serious violations may pay on average $1,790 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Teenage drivers are the costliest to insure, with premiums being up to $475 each month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,938 |
| $250 | $1,750 |
| $500 | $1,534 |
| $1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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