Land Rover Discovery Insurance Rates

Average insurance prices for a Land Rover Discovery are $1,462 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $318 a year, collision insurance costs $526, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $3,158 or more. 16-year-old drivers receive the highest rates at up to $5,460 a year.

Average premium for full coverage: $1,462

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Discovery trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and their own driving history, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $844
• Using higher $1,000 deductibles will save $1,270 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,462
• Buying low $100 deductibles for physical damage coverage costs an extra $370 every year
• Drivers with multiple tickets or accidents could pay around $3,158
• The cost to insure a teen driver can cost $5,460 or more

View Chart as Image

Insurance rates for a Land Rover Discovery can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Discovery.

Opting for 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 liability limit to a 250/500 limit will cost as much as $414 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 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live 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 at least $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Cheapest Land Rover Discovery Insurance

Saving money on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a recap of the coverage data covered in the above illustrations.

• It is possible to save around $180 per year just by quoting early and online
• Increasing deductibles could save as much as $550 each year
• Youthful drivers are expensive to insure, costing up to $455 per month if they have full coverage
• Higher risk drivers that have major violations or accidents may have to pay on average $1,700 more per year than a low-risk driver