Land Rover Discovery Insurance Rates

Average insurance prices for a Land Rover Discovery are $1,534 every 12 months including full coverage. Comprehensive costs on average $332 a year, collision insurance costs $588, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,320. Teenage drivers receive the highest rates at up to $5,698 a year.

Average premium for full coverage: $1,534

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Discovery trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $876
• Drivers who choose higher $1,000 deductibles will pay around $1,324 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,534
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,938
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,320
• The cost to insure a teen driver may cost $5,698 a year

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Discovery.

Using high physical damage deductibles could save up to $620 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,190 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Best Land Rover Discovery Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to shop around at every policy renewal by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief recap of the data illustrated above.

• Policyholders who require higher liability limits will pay an extra $500 per year to go from a minimum limit to a 250/500 level
• You may be able to save as much as $190 per year just by quoting early and online
• Increasing deductibles could save as much as $625 each year
• Teens pay the highest rates, as much as $475 per month if they have full coverage