Land Rover Discovery Insurance Rates
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UPDATED: Aug 23, 2022
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U.S. average insurance rates for a Land Rover Discovery are $1,030 a year for full coverage. Comprehensive costs approximately $190 each year, collision costs $236, and liability is $446. Liability-only insurance costs around $500 a year, with high-risk driver insurance costing around $2,206. Teenage drivers pay the highest rates at $4,072 a year or more.
Average premium for full coverage: $1,030
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Discovery models.
Price Range from Low to High
For an average driver, Land Rover Discovery insurance prices go from as low as $500 for minimum levels of liability insurance to a high rate of $2,206 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.
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 Details
The chart below shows estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The best discount rate is $626
- Raising to $1,000 deductibles will save $98 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,030
- Using low deductibles will increase the cost to $1,214
- Drivers who are prone to accidents and violations could pay around $2,206 or more
- The price for full coverage for a 16-year-old driver can cost $4,072
Car insurance prices for a Land Rover Discovery are also quite variable based on your driving record, the trim level of your Discovery, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
The state you live in also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find prices as low as $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,470 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $934 | -$96 | -9.3% |
| Alaska | $790 | -$240 | -23.3% |
| Arizona | $856 | -$174 | -16.9% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,176 | $146 | 14.2% |
| Colorado | $986 | -$44 | -4.3% |
| Connecticut | $1,060 | $30 | 2.9% |
| Delaware | $1,168 | $138 | 13.4% |
| Florida | $1,292 | $262 | 25.4% |
| Georgia | $952 | -$78 | -7.6% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $696 | -$334 | -32.4% |
| Illinois | $768 | -$262 | -25.4% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $696 | -$334 | -32.4% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,406 | $376 | 36.5% |
| Louisiana | $1,526 | $496 | 48.2% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $826 | -$204 | -19.8% |
| Michigan | $1,792 | $762 | 74.0% |
| Minnesota | $862 | -$168 | -16.3% |
| Mississippi | $1,236 | $206 | 20.0% |
| Missouri | $914 | -$116 | -11.3% |
| Montana | $1,108 | $78 | 7.6% |
| Nebraska | $814 | -$216 | -21.0% |
| Nevada | $1,238 | $208 | 20.2% |
| New Hampshire | $742 | -$288 | -28.0% |
| New Jersey | $1,154 | $124 | 12.0% |
| New Mexico | $914 | -$116 | -11.3% |
| New York | $1,086 | $56 | 5.4% |
| North Carolina | $596 | -$434 | -42.1% |
| North Dakota | $846 | -$184 | -17.9% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $944 | -$86 | -8.3% |
| Pennsylvania | $984 | -$46 | -4.5% |
| Rhode Island | $1,374 | $344 | 33.4% |
| South Carolina | $934 | -$96 | -9.3% |
| South Dakota | $870 | -$160 | -15.5% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,242 | $212 | 20.6% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $708 | -$322 | -31.3% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $796 | -$234 | -22.7% |
| West Virginia | $944 | -$86 | -8.3% |
| Wisconsin | $716 | -$314 | -30.5% |
| Wyoming | $918 | -$112 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $290 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2004 Land Rover Discovery | $190 | $236 | $446 | $1,030 |
| 2003 Land Rover Discovery | $182 | $224 | $442 | $1,006 |
Rates are averaged for all Land Rover Discovery 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 Insurance
Getting lower rates on insurance for a Land Rover Discovery consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Take the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief review of the primary concepts that were covered in the above illustrations.
- Drivers can save around $120 per year simply by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more per year than a low-risk driver
- Increasing physical damage deductibles can save around $275 each year
- Youthful drivers pay the highest auto insurance prices, with premiums as much as $339 a month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,072 |
| 20 | $2,342 |
| 30 | $1,052 |
| 40 | $1,030 |
| 50 | $944 |
| 60 | $924 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,214 |
| $250 | $1,130 |
| $500 | $1,030 |
| $1,000 | $932 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,119 |
| 100/300 | $1,231 |
| 250/500 | $1,521 |
| 100 CSL | $1,164 |
| 300 CSL | $1,409 |
| 500 CSL | $1,588 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,740 |
| 20 | $3,726 |
| 30 | $2,228 |
| 40 | $2,206 |
| 50 | $2,108 |
| 60 | $2,088 |
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 | $52 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $38 |
| Advance Quote | $45 |
| Online Quote | $70 |
| Total Discounts | $404 |
Discounts are estimated and may not be available from every company or in every state.
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