Land Rover Discovery Sport Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 3, 2024

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Average insurance rates for a Land Rover Discovery Sport are $1,342 a year for full coverage. Comprehensive insurance costs an estimated $278, collision costs $446, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,896 or more. Teen drivers receive the highest rates at $5,088 a year or more.

Average premium for full coverage: $1,342

Rate estimates broken down by individual coverage type:

Comprehensive $278
Collision $446
Liability $460

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Discovery Sport trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $510 for just the minimum liability insurance to a much higher rate of $2,896 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,342
High Risk $2,896

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,007
Small Cities $1,409
Large Cities $1,812

These examples show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $782
  • Drivers who choose higher $1,000 deductibles will pay approximately $164 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,342
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $318 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,896 or more
  • The cost for full coverage for a teenage driver with full coverage can cost as much as $5,088 a year

View Chart as Image

Land Rover Discovery Sport insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery Sport insurance prices range from $782 to $5,088

Car insurance rates for a Land Rover Discovery Sport can also vary considerably based on your driver profile, the trim level of your Discovery Sport, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,000 a year. View Rates by Age

Where you live makes a big difference in Land Rover Discovery Sport insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,920 on average in New York, Louisiana, and Michigan.

Land Rover Discovery Sport Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,214 -$128 -9.5%
Alaska $1,030 -$312 -23.2%
Arizona $1,114 -$228 -17.0%
Arkansas $1,342 -$0 0.0%
California $1,530 $188 14.0%
Colorado $1,284 -$58 -4.3%
Connecticut $1,380 $38 2.8%
Delaware $1,518 $176 13.1%
Florida $1,678 $336 25.0%
Georgia $1,240 -$102 -7.6%
Hawaii $964 -$378 -28.2%
Idaho $908 -$434 -32.3%
Illinois $1,000 -$342 -25.5%
Indiana $1,010 -$332 -24.7%
Iowa $906 -$436 -32.5%
Kansas $1,276 -$66 -4.9%
Kentucky $1,832 $490 36.5%
Louisiana $1,986 $644 48.0%
Maine $828 -$514 -38.3%
Maryland $1,108 -$234 -17.4%
Massachusetts $1,074 -$268 -20.0%
Michigan $2,332 $990 73.8%
Minnesota $1,124 -$218 -16.2%
Mississippi $1,608 $266 19.8%
Missouri $1,192 -$150 -11.2%
Montana $1,442 $100 7.5%
Nebraska $1,060 -$282 -21.0%
Nevada $1,610 $268 20.0%
New Hampshire $968 -$374 -27.9%
New Jersey $1,500 $158 11.8%
New Mexico $1,188 -$154 -11.5%
New York $1,414 $72 5.4%
North Carolina $772 -$570 -42.5%
North Dakota $1,098 -$244 -18.2%
Ohio $928 -$414 -30.8%
Oklahoma $1,380 $38 2.8%
Oregon $1,230 -$112 -8.3%
Pennsylvania $1,280 -$62 -4.6%
Rhode Island $1,792 $450 33.5%
South Carolina $1,216 -$126 -9.4%
South Dakota $1,132 -$210 -15.6%
Tennessee $1,176 -$166 -12.4%
Texas $1,618 $276 20.6%
Utah $994 -$348 -25.9%
Vermont $918 -$424 -31.6%
Virginia $804 -$538 -40.1%
Washington $1,038 -$304 -22.7%
West Virginia $1,230 -$112 -8.3%
Wisconsin $928 -$414 -30.8%
Wyoming $1,196 -$146 -10.9%

View Chart as Image

Land Rover Discovery Sport insurance rates by U.S. city

Choosing high deductibles could save up to $490 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Land Rover Discovery Sport Insurance Rates by Model Year
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 Find Affordable Land Rover Discovery Sport Insurance

Saving money on auto insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief review of the car insurance concepts covered above.

  • Drivers with DUI or reckless driving convictions pay an average of $1,550 more annually than a safer driver
  • Drivers can save approximately $160 per year simply by shopping early and online
  • Increasing deductibles can save around $475 each year
  • Consumers who want an increased level of liability coverage will pay about $510 each year to go from a minimum limit to 250/500 limits

Rates by Driver Age

Land Rover Discovery Sport Insurance Rates by Driver Age
Driver Age Premium
16 $5,088
20 $3,078
30 $1,390
40 $1,342
50 $1,226
60 $1,202

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,660
$250 $1,512
$500 $1,342
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Sport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,342
50/100 $1,434
100/300 $1,549
250/500 $1,848
100 CSL $1,480
300 CSL $1,733
500 CSL $1,917

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Sport Insurance Rates for High Risk Drivers
Age Premium
16 $7,236
20 $4,900
30 $2,952
40 $2,896
50 $2,766
60 $2,740

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.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $94
5-yr Claim Free $86
Paid in Full/EFT $58
Advance Quote $64
Online Quote $95
Total Discounts $560
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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