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...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Average insurance rates for a Land Rover Discovery Sport are $1,308 a year for full coverage. Comprehensive costs on average $268, collision costs $418, and liability coverage is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing around $2,824. Teen drivers receive the highest rates at $4,982 a year or more.
Average premium for full coverage: $1,308
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Discovery Sport models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $514 for a discount liability-only rate to the much higher price of $2,824 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates how geographic area affects car insurance rates.
These examples show why everyone should compare rates quotes based on a specific location, rather than using price 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.
Rates by State, City, and Model
The chart below shows estimated Land Rover Discovery Sport insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $766
- Raising to $1,000 deductibles will save around $156 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,308
- Choosing pricier low deductibles bumps up the cost to $1,608
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,824 or more
- The cost that insures a teenage driver for full coverage may cost $4,982
Insurance rates for a Land Rover Discovery Sport can also vary considerably based on the model of your Discovery Sport, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Land Rover Discovery Sport insurance for high-risk drivers is expensive and can cost around 42% to 128% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age
Where you live also has a big influence on Land Rover Discovery Sport insurance rates. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, 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% |
Choosing high deductibles can reduce rates by up to $460 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly 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 Find the Best Land Rover Discovery Sport Insurance
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Shop around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the information presented in the illustrations above.
- Drivers can save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers under the age of 20 pay higher rates, costing as high as $415 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $450 each year
- Drivers who tend to receive serious violations may pay on average $1,520 more each year to insure a Land Rover Discovery Sport
- Consumers who require increased liability limits will pay about $510 each year to raise from a minimum limit to the 250/500 level
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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