Land Rover Discovery Sport Insurance Rates

The average insurance rates for a Land Rover Discovery Sport are $1,308 a year for full coverage insurance. Comprehensive insurance costs an estimated $268 a year, collision costs $418, and liability insurance costs around $464. Liability-only coverage costs as low as $514 a year, with high-risk coverage costing $2,824 or more. Teens cost the most to insure at $4,982 a year or more.

Average premium for full coverage: $1,308

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Discovery Sport trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Land Rover Discovery Sport insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save approximately $1,152 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,308
• Selecting low $100 deductibles for physical damage coverage will cost an extra $300 a year
• Drivers with serious driving violations could pay up to $2,824 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,982 or more

View Chart as Image

Insurance rates for a Land Rover Discovery Sport also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Land Rover Discovery Sport insurance rates. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied from one company to the next.

How to Find More Affordable Land Rover Discovery Sport Insurance

Finding cheaper rates on Land Rover Discovery Sport insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the ideas that were touched on in the above illustrations.

• Teenagers are expensive to insure, possibly costing $415 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay on average $1,520 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $450 each year
• It is possible to save approximately $150 per year simply by quoting early and online