Land Rover Discovery Insurance Rates

The average auto insurance rates for a Land Rover Discovery are $1,462 annually for full coverage insurance. Comprehensive costs approximately $318 a year, collision insurance costs $526, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $3,158. Teenage 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:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Discovery trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates average Land Rover Discovery insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Using higher $1,000 deductibles will save $1,270 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,462
• Using low $100 deductibles for physical damage coverage will cost $1,832
• Drivers who are prone to accidents and violations could pay around $3,158
• Policy cost with full coverage for a teen driver can cost $5,460 or more

View Chart as Image

Insurance rates for a Land Rover Discovery also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $570 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Land Rover Discovery insurance prices. A driver around age 40 might see rates as low as $960 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Land Rover Discovery Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a recap of the ideas that were covered in the above illustrations.

• Teenage drivers are expensive to insure, possibly costing $455 each month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,700 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• It is possible to save around $180 per year just by quoting early and online