Land Rover Discovery Sport Insurance Rates

The average insurance prices for a Land Rover Discovery Sport are $1,342 every 12 months with full coverage. Comprehensive insurance costs on average $278, collision costs $446, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,896 or more. 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:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Discovery Sport trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $782
• Using higher $1,000 deductibles will save around $164 annually
• The average price for a good driver age 40 with $500 deductibles is $1,342
• Using more expensive low deductibles for physical damage coverage costs an extra $318 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,896 or more
• Policy cost to insure a teenage driver with full coverage may cost $5,088 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $490 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Land Rover Discovery Sport insurance rates. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,810 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Shop for the Cheapest Land Rover Discovery Sport Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The following items are a recap of the data touched on in this article.

• Consumers who require additional liability coverage will pay an extra $510 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $424 each month if the policy includes full coverage