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 $1,342 a year for full coverage insurance. Comprehensive costs approximately $278 a year, collision costs $446, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing around $2,896. Teens cost the most to insure at $5,088 a year or more.
Average premium for full coverage: $1,342
Policy rates by type of insurance:
Prices include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Discovery Sport trim levels.
Price Range Variability
For a 40-year-old driver, Land Rover Discovery Sport insurance rates go from the low end price of $510 for basic liability insurance to a high of $2,896 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Land Rover Discovery Sport insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $782
- Drivers who choose higher $1,000 deductibles will pay $1,178 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,342
- Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,660
- Drivers with serious driving violations could pay around $2,896 or more
- Policy cost that insures a 16-year-old driver can cost $5,088 a year
Auto insurance rates for a Land Rover Discovery Sport also range considerably based on the trim level of your Discovery Sport, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision 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, since even teens with perfect driving records will have to pay in the ballpark of $5,000 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 $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,810 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,214 | -$128 | -9.5% |
| Alaska | $1,030 | -$312 | -23.2% |
| Arizona | $1,114 | -$228 | -17.0% |
| Arkansas | $1,342 | -$0 | 0.0% |
| California | $1,530 | $188 | 14.0% |
| Colorado | $1,284 | -$58 | -4.3% |
| Connecticut | $1,380 | $38 | 2.8% |
| Delaware | $1,518 | $176 | 13.1% |
| Florida | $1,678 | $336 | 25.0% |
| Georgia | $1,240 | -$102 | -7.6% |
| Hawaii | $964 | -$378 | -28.2% |
| Idaho | $908 | -$434 | -32.3% |
| Illinois | $1,000 | -$342 | -25.5% |
| Indiana | $1,010 | -$332 | -24.7% |
| Iowa | $906 | -$436 | -32.5% |
| Kansas | $1,276 | -$66 | -4.9% |
| Kentucky | $1,832 | $490 | 36.5% |
| Louisiana | $1,986 | $644 | 48.0% |
| Maine | $828 | -$514 | -38.3% |
| Maryland | $1,108 | -$234 | -17.4% |
| Massachusetts | $1,074 | -$268 | -20.0% |
| Michigan | $2,332 | $990 | 73.8% |
| Minnesota | $1,124 | -$218 | -16.2% |
| Mississippi | $1,608 | $266 | 19.8% |
| Missouri | $1,192 | -$150 | -11.2% |
| Montana | $1,442 | $100 | 7.5% |
| Nebraska | $1,060 | -$282 | -21.0% |
| Nevada | $1,610 | $268 | 20.0% |
| New Hampshire | $968 | -$374 | -27.9% |
| New Jersey | $1,500 | $158 | 11.8% |
| New Mexico | $1,188 | -$154 | -11.5% |
| New York | $1,414 | $72 | 5.4% |
| North Carolina | $772 | -$570 | -42.5% |
| North Dakota | $1,098 | -$244 | -18.2% |
| Ohio | $928 | -$414 | -30.8% |
| Oklahoma | $1,380 | $38 | 2.8% |
| Oregon | $1,230 | -$112 | -8.3% |
| Pennsylvania | $1,280 | -$62 | -4.6% |
| Rhode Island | $1,792 | $450 | 33.5% |
| South Carolina | $1,216 | -$126 | -9.4% |
| South Dakota | $1,132 | -$210 | -15.6% |
| Tennessee | $1,176 | -$166 | -12.4% |
| Texas | $1,618 | $276 | 20.6% |
| Utah | $994 | -$348 | -25.9% |
| Vermont | $918 | -$424 | -31.6% |
| Virginia | $804 | -$538 | -40.1% |
| Washington | $1,038 | -$304 | -22.7% |
| West Virginia | $1,230 | -$112 | -8.3% |
| Wisconsin | $928 | -$414 | -30.8% |
| Wyoming | $1,196 | -$146 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $490 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $398 | $690 | $390 | $1,636 |
| 2023 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2022 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2021 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2020 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2019 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2018 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2017 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2016 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
| 2015 Land Rover Discovery Sport | $268 | $418 | $464 | $1,308 |
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 Right Land Rover Discovery Sport Insurance
Finding cheaper rates on insurance for a Land Rover Discovery Sport not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a quick rundown of the primary concepts that were illustrated above.
- It is possible to save around $160 per year simply by quoting early and online
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,550 more per year to buy Land Rover Discovery Sport insurance
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Drivers age 20 and younger have the highest car insurance rates, possibly costing $424 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,088 |
| 20 | $3,078 |
| 30 | $1,390 |
| 40 | $1,342 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,660 |
| $250 | $1,512 |
| $500 | $1,342 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,342 |
| 50/100 | $1,434 |
| 100/300 | $1,549 |
| 250/500 | $1,848 |
| 100 CSL | $1,480 |
| 300 CSL | $1,733 |
| 500 CSL | $1,917 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,900 |
| 30 | $2,952 |
| 40 | $2,896 |
| 50 | $2,766 |
| 60 | $2,740 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $95 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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