Land Rover Discovery 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...

Insurance Lawyer

UPDATED: Aug 23, 2022

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The average insurance rates for a Land Rover Discovery are $1,006 a year with full coverage. Comprehensive costs an estimated $182 a year, collision costs $224, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,154. Teen drivers cost the most to insure at $3,996 a year or more.

Average premium for full coverage: $1,006

Policy rates broken down by type of insurance:

Comprehensive $182
Collision $224
Liability $442

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Discovery trim levels.

Price Range Variability

For a driver in their 40's, Land Rover Discovery insurance rates go from the low end price of $496 for liability-only coverage to a high of $2,154 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,006
High Risk $2,154

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

Rural Areas $755
Small Cities $1,056
Large Cities $1,358

The examples above demonstrate why it is important to compare rates for a targeted area, rather than relying on 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 Charts and Tables

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

  • The lowest rate with discounts is $613
  • Drivers who choose higher $1,000 deductibles will pay approximately $912 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,006
  • Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,182
  • High risk drivers with multiple violations and an at-fault accident could pay up to $2,154 or more
  • Policy cost that insures a teen driver can cost as much as $3,996 a year

View Chart as Image

Land Rover Discovery insurance cost comparison chart
Column chart showing full coverage Land Rover Discovery insurance rates range from $613 to $3,996

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $3,900 a year. View Rates by Age

Your home state makes a big difference in Land Rover Discovery insurance rates. A 40-year-old driver could pay as low as $730 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,360 on average in New York, Michigan, and Florida.

Land Rover Discovery Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $912 -$94 -9.3%
Alaska $774 -$232 -23.1%
Arizona $838 -$168 -16.7%
Arkansas $1,006 -$0 0.0%
California $1,148 $142 14.1%
Colorado $962 -$44 -4.4%
Connecticut $1,036 $30 3.0%
Delaware $1,140 $134 13.3%
Florida $1,260 $254 25.2%
Georgia $928 -$78 -7.8%
Hawaii $724 -$282 -28.0%
Idaho $682 -$324 -32.2%
Illinois $750 -$256 -25.4%
Indiana $758 -$248 -24.7%
Iowa $680 -$326 -32.4%
Kansas $958 -$48 -4.8%
Kentucky $1,376 $370 36.8%
Louisiana $1,492 $486 48.3%
Maine $620 -$386 -38.4%
Maryland $830 -$176 -17.5%
Massachusetts $808 -$198 -19.7%
Michigan $1,752 $746 74.2%
Minnesota $842 -$164 -16.3%
Mississippi $1,206 $200 19.9%
Missouri $892 -$114 -11.3%
Montana $1,082 $76 7.6%
Nebraska $794 -$212 -21.1%
Nevada $1,208 $202 20.1%
New Hampshire $726 -$280 -27.8%
New Jersey $1,126 $120 11.9%
New Mexico $892 -$114 -11.3%
New York $1,062 $56 5.6%
North Carolina $580 -$426 -42.3%
North Dakota $826 -$180 -17.9%
Ohio $696 -$310 -30.8%
Oklahoma $1,036 $30 3.0%
Oregon $924 -$82 -8.2%
Pennsylvania $962 -$44 -4.4%
Rhode Island $1,344 $338 33.6%
South Carolina $912 -$94 -9.3%
South Dakota $850 -$156 -15.5%
Tennessee $884 -$122 -12.1%
Texas $1,214 $208 20.7%
Utah $748 -$258 -25.6%
Vermont $690 -$316 -31.4%
Virginia $604 -$402 -40.0%
Washington $780 -$226 -22.5%
West Virginia $924 -$82 -8.2%
Wisconsin $698 -$308 -30.6%
Wyoming $898 -$108 -10.7%

View Chart as Image

Land Rover Discovery insurance rates by U.S. city

Choosing high deductibles could save up to $270 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied.

Land Rover Discovery Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2004 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 the Best Land Rover Discovery Insurance

Finding cheaper rates on Land Rover Discovery insurance not only requires having a good driving record, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Shop around at least every other year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The next list is a brief recap of the car insurance concepts covered in the charts and tables above.

  • High-risk drivers who tend to receive serious violations could be forced to pay on average $1,150 more annually to buy Land Rover Discovery insurance
  • You may be able to save approximately $110 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $275 each year
  • Drivers who want increased levels of liability coverage will pay about $490 every year to go from a 30/60 limit to the 250/500 level

Rates by Driver Age

Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $3,996
20 $2,288
30 $1,028
40 $1,006
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,182
$250 $1,102
$500 $1,006
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,006
50/100 $1,094
100/300 $1,205
250/500 $1,492
100 CSL $1,139
300 CSL $1,382
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $5,626
20 $3,642
30 $2,176
40 $2,154
50 $2,060
60 $2,040

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $61
5-yr Claim Free $62
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $393
Rate after discounts $613

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

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