Land Rover Discovery Sport Insurance Rates

U.S. average auto insurance rates for a Land Rover Discovery Sport are $1,308 annually including full coverage. Comprehensive costs on average $268 each year, collision costs $418, and liability is $464. Buying just liability costs around $514 a year, with insurance for high-risk drivers costing around $2,824. Teenage drivers pay the highest rates at $4,982 a year or more.

Average premium for full coverage: $1,308

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Discovery Sport models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a 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 breaks down estimated Land Rover Discovery Sport insurance rates for different risk profiles and scenarios.

• The best discount rate is $766
• Raising to $1,000 deductibles will save around $156 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,308
• Using low deductibles will cost $1,608
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,824 or more
• The price with full coverage for a teen driver may cost $4,982

View Chart as Image

Insurance prices for a Land Rover Discovery Sport are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $460 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Land Rover Discovery Sport insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.

How to Buy Cheaper Land Rover Discovery Sport Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a condensed summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,520 more each year to insure a Land Rover Discovery Sport
• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $450 each year
• Policyholders who require increased liability limits will pay an extra $510 per year to raise from a low limit to higher 250/500 limits