Land Rover Discovery Sport Insurance Rates

The average insurance rates for a Land Rover Discovery Sport are $1,342 a year for full coverage insurance. Comprehensive costs on average $278 each year, collision costs $446, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,896. Teenage drivers 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:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Discovery Sport models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Land Rover Discovery Sport insurance rates for different risk profiles and scenarios.

• The best discount rate is $782
• Raising to $1,000 deductibles will save around $164 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,342
• Using low deductibles bumps up the cost to $1,660
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,896 or more
• Policy cost that insures a teenage driver may cost $5,088

View Chart as Image

Car insurance rates for a Land Rover Discovery Sport also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Your home state also has a big influence on Land Rover Discovery Sport insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,810 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $490 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Find More Affordable Land Rover Discovery Sport Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a summary of the information touched on above.

• It is possible to save as much as $160 per year simply by quoting online in advance
• Drivers age 20 and younger are expensive to insure, possibly costing $424 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers who have multiple accidents or major violations may pay on average $1,550 more each year to buy Land Rover Discovery Sport insurance
• Consumers who require increased levels of liability coverage will pay an extra $510 annually to raise from a 30/60 limit to the 250/500 level