Land Rover Discovery Insurance Rates

Average insurance rates for a Land Rover Discovery are $1,534 a year including full coverage. Comprehensive costs approximately $332 each year, collision costs $588, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $3,320. Teenage drivers receive the highest rates at $5,698 a year or more.

Average premium for full coverage: $1,534

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Discovery models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

These examples highlight why all drivers should compare rates using their specific location, rather than using average rates.

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

More Rate Details

The chart below breaks down estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.

• The best discount rate is $876
• Drivers who choose higher $1,000 deductibles will pay $210 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,534
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,938
• High-risk insureds who are prone to accidents and violations could pay around $3,320 or more
• The cost that insures a teenage driver can cost $5,698 a year

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,600 a year. View Rates by Age

Where you live 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,190 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $620 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates can be significantly different.

How to Find Affordable Land Rover Discovery Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a brief review of the data touched on above.

• Consumers who purchase additional liability coverage will pay an extra $500 per year to go from a minimum limit to the 250/500 level
• You may be able to save around $190 per year simply by quoting online in advance
• Increasing deductibles can save approximately $625 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $475 per month if full coverage is included