Land Rover Discovery Sport Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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Estimated insurance prices for a Land Rover Discovery Sport are $1,308 every 12 months including full coverage. Comprehensive insurance costs around $268, collision costs $418, and liability costs $464. A liability-only policy costs as little as $514 a year, with high-risk insurance costing $2,824 or more. 16-year-old drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,308
Premium estimates for type of coverage:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Discovery Sport models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Land Rover Discovery Sport go from the cheapest price of $514 for the bare minimum liability coverage to the much higher price of $2,824 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences highlight why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Land Rover Discovery Sport insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $766
- Drivers who choose higher $1,000 deductibles will pay about $156 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,308
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $300 annually
- Drivers with multiple tickets or accidents could pay at least $2,824 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,982 a year
Auto insurance prices for a Land Rover Discovery Sport also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $460 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Land Rover Discovery Sport insurance for high-risk drivers can cost from 42% to 128% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Land Rover Discovery Sport insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$124 | -9.5% |
| Alaska | $1,004 | -$304 | -23.2% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,492 | $184 | 14.1% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,348 | $40 | 3.1% |
| Delaware | $1,482 | $174 | 13.3% |
| Florida | $1,638 | $330 | 25.2% |
| Georgia | $1,208 | -$100 | -7.6% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $886 | -$422 | -32.3% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $884 | -$424 | -32.4% |
| Kansas | $1,244 | -$64 | -4.9% |
| Kentucky | $1,786 | $478 | 36.5% |
| Louisiana | $1,938 | $630 | 48.2% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,080 | -$228 | -17.4% |
| Massachusetts | $1,048 | -$260 | -19.9% |
| Michigan | $2,274 | $966 | 73.9% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,568 | $260 | 19.9% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,406 | $98 | 7.5% |
| Nebraska | $1,034 | -$274 | -20.9% |
| Nevada | $1,568 | $260 | 19.9% |
| New Hampshire | $944 | -$364 | -27.8% |
| New Jersey | $1,462 | $154 | 11.8% |
| New Mexico | $1,160 | -$148 | -11.3% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,072 | -$236 | -18.0% |
| Ohio | $904 | -$404 | -30.9% |
| Oklahoma | $1,344 | $36 | 2.8% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,748 | $440 | 33.6% |
| South Carolina | $1,186 | -$122 | -9.3% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,148 | -$160 | -12.2% |
| Texas | $1,580 | $272 | 20.8% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $898 | -$410 | -31.3% |
| Virginia | $784 | -$524 | -40.1% |
| Washington | $1,012 | -$296 | -22.6% |
| West Virginia | $1,200 | -$108 | -8.3% |
| Wisconsin | $908 | -$400 | -30.6% |
| Wyoming | $1,168 | -$140 | -10.7% |
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2023 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2022 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2021 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2020 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2019 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2018 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2017 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
| 2016 Land Rover Discovery Sport | $268 | $418 | $464 | $1,308 |
| 2015 Land Rover Discovery Sport | $262 | $390 | $474 | $1,284 |
Rates are averaged for all Land Rover Discovery Sport models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Land Rover Discovery Sport Insurance
Finding better rates on insurance for a Land Rover Discovery Sport not only requires being a safe and courteous driver, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a quick review of the material that was raised in the charts and tables above.
- Insureds who may need higher levels of liability will pay around $510 per year to go from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are expensive to insure, with the cost nearing $415 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,520 more every year for auto insurance
- Increasing policy deductibles could save as much as $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,982 |
| 20 | $2,996 |
| 30 | $1,354 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,401 |
| 100/300 | $1,517 |
| 250/500 | $1,818 |
| 100 CSL | $1,447 |
| 300 CSL | $1,702 |
| 500 CSL | $1,888 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,082 |
| 20 | $4,772 |
| 30 | $2,872 |
| 40 | $2,824 |
| 50 | $2,694 |
| 60 | $2,670 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $55 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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