Land Rover Discovery Insurance Rates

The average insurance rates for a Land Rover Discovery are $1,534 a year with full coverage. Comprehensive insurance costs an estimated $332 each year, collision insurance costs $588, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $3,320 or more. Teens cost the most to insure at up to $5,698 a year.

Average premium for full coverage: $1,534

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Discovery models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area, rather than using averaged prices.

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

More Rate Details

The chart below details average Land Rover Discovery insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $876
• Using higher $1,000 deductibles will save approximately $210 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,534
• Selecting low deductibles for physical damage coverage will cost an additional $404 each year
• Higher-risk drivers with serious driving violations could pay up to $3,320
• Policy cost that insures a teenage driver can cost as much as $5,698 or more

View Chart as Image

Car insurance rates for a Land Rover Discovery also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,600 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 $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,070 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $620 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find More Affordable Land Rover Discovery Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare rates at every policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The following is a summary of the data presented in the illustrations above.

• Consumers who want higher liability limits will pay approximately $500 every year to increase from a 30/60 limit to the 250/500 level
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Teens have the highest car insurance rates, as much as $475 each month if full coverage is purchased