Land Rover Discovery Sport Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive costs on average $268, collision costs $418, and liability is estimated at $464. A liability-only policy costs approximately $514 a year, with high-risk insurance costing around $2,824. Teenage drivers pay the most at $4,982 a year or more.
Average premium for full coverage: $1,308
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all Discovery Sport models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Land Rover Discovery Sport go from the cheapest price of $514 for a discount liability-only rate to the much higher price of $2,824 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities.
The example below illustrates how location impacts car insurance rates.
These rate differences demonstrate why everyone should get quotes based on a specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below details estimated Land Rover Discovery Sport insurance rates for different risk profiles and scenarios.
- The best discount rate is $766
- Choosing higher $1,000 deductibles can save around $156 annually
- The average price for a 40-year-old good driver with $500 deductibles is $1,308
- Using pricier low deductibles for comp and collision coverage increases the price to $1,608
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,824 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $4,982 each 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 record, and the trim level of your Discovery Sport.
Using high physical damage deductibles can save as much as $460 annually, whereas buying more liability protection will cost you more. Moving 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 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Land Rover Discovery Sport insurance for high-risk drivers ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Land Rover Discovery Sport insurance prices. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.
| 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 find out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, 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 Cheap Land Rover Discovery Sport Insurance
Finding better rates on insurance for a Land Rover Discovery Sport takes avoiding accidents and claims, having a good credit score, being claim-free, and taking advantage of discounts. Spend time shopping around at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The points below are a brief summary of the primary concepts that were touched on above.
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,520 more each year to insure a Land Rover Discovery Sport
- Increasing policy deductibles could save as much as $450 each year
- Drivers under the age of 20 are charged the highest prices, possibly costing $415 per month if comprehensive and collision insurance is included
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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