Land Rover Discovery Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance rates for a Land Rover Discovery are $1,006 a year with full coverage. Comprehensive insurance costs approximately $182, collision costs $224, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $2,154 or more. 16-year-old drivers receive the highest rates at $3,996 a year or more.
Average premium for full coverage: $1,006
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Discovery trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $496 for your basic liability-only policy to a much higher rate of $2,154 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using rate 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.
More Rate Information
The chart below details estimated Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $613
- Drivers who choose higher $1,000 deductibles will pay $94 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,006
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $176 each year
- High-risk insureds with multiple tickets or accidents could pay around $2,154 or more
- The cost that insures a teenage driver with full coverage can cost $3,996 a year
Insurance rates for a Land Rover Discovery can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Where you live 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 at least $1,360 on average in New York, Michigan, and Florida.
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% |
Opting for high physical damage deductibles could save up to $270 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different.
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
Saving money on auto insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a brief recap of the data covered in the above illustrations.
- Consumers who purchase additional liability coverage will pay around $490 every year to go from a minimum limit to the 250/500 level
- You may be able to save around $110 per year simply by shopping early and online
- Increasing deductibles can save approximately $275 each year
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $333 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,182 |
$250 | $1,102 |
$500 | $1,006 |
$1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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