Land Rover Discovery Sport Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for a Land Rover Discovery Sport are $1,400 annually including full coverage. Comprehensive costs around $298 a year, collision costs $484, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $3,024. Teen drivers pay the highest rates at $5,268 a year or more.
Average premium for full coverage: $1,400
Price estimates for individual coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Discovery Sport trim levels.
Price Range from Low to High
For the average 40-year-old driver, Land Rover Discovery Sport insurance prices go from as cheap as $510 for just liability coverage to a high of $3,024 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of 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.
Detailed Rate Analysis
The chart below breaks down estimated Land Rover Discovery Sport insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $812
- Choosing higher $1,000 deductibles can save about $1,222 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,400
- Choosing low $100 deductibles for comp and collision coverage will cost $1,744
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,024 or more
- The price with full coverage for a teen driver can be $5,268 each year
Insurance prices for a Land Rover Discovery Sport are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $530 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
The state you live in 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 $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,000 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and prices may be quite different between companies.
| 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 Buy the Cheapest Land Rover Discovery Sport Insurance
Getting lower rates on car insurance takes being safe and accident-free, having good credit, being claim-free, and taking advantage of discounts. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a recap of the ideas that were touched on in this article.
- Youthful drivers are charged the highest prices, possibly costing $439 a month if they have full coverage
- Higher risk drivers that have major violations or accidents may pay on average $1,620 more every year than a low-risk driver
- Increasing physical damage deductibles could save up to $525 each year
- You may be able to save up to $170 per year simply by quoting early and online
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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