Land Rover Discovery Sport Insurance Rates
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UPDATED: Apr 3, 2024
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The average insurance rates for a Land Rover Discovery Sport are $1,400 a year with full coverage. Comprehensive costs an estimated $298 a year, collision costs $484, and liability costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $3,024. Teenage drivers cost the most to insure at $5,268 a year or more.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Discovery Sport trim levels.
Price Range Variability
For a driver around age 40, Land Rover Discovery Sport insurance rates go from as low as $510 for the bare minimum liability coverage to a high of $3,024 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.
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 details estimated Land Rover Discovery Sport insurance rates for other coverage scenarios.
- The best discount rate is $812
- Drivers who choose higher $1,000 deductibles will pay approximately $1,222 annually
- The average rate for a good driver age 40 who has $500 deductibles is $1,400
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,744
- Drivers who are prone to accidents and violations could pay up to $3,024 or more
- Policy cost for full coverage for a 16-year-old driver can cost as much as $5,268 a year
Car insurance rates for a Land Rover Discovery Sport also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,200 a year. View Rates by Age
Your home state 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,890 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,292 | -$108 | -7.7% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,676 | $276 | 19.7% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,282 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,282 | -$118 | -8.4% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,250 | -$150 | -10.7% |
Using high physical damage deductibles could save up to $530 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $418 | $718 | $372 | $1,666 |
| 2023 Land Rover Discovery Sport | $398 | $690 | $390 | $1,636 |
| 2022 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2021 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2020 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2019 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2018 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2017 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2016 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2015 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
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 Find the Best Land Rover Discovery Sport Insurance
Finding cheaper rates on insurance for a Land Rover Discovery Sport not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the data that was covered above.
- You may be able to save approximately $170 per year simply by quoting early and online
- Insureds who want increased liability limits will pay an extra $510 every year to go from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, as much as $439 each month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,620 more annually to insure a Land Rover Discovery Sport
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,268 |
| 20 | $3,212 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,504 |
| 20 | $5,114 |
| 30 | $3,084 |
| 40 | $3,024 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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