Land Rover Discovery Insurance Rates
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UPDATED: May 17, 2024
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Average insurance prices for a Land Rover Discovery are $1,578 every 12 months for full coverage insurance. Comprehensive costs approximately $344, collision insurance costs $624, and liability costs $452. Buying just liability costs as little as $504 a year, and insurance for high-risk drivers costs around $3,424. Teen drivers receive the highest rates at up to $5,838 a year.
Average premium for full coverage: $1,578
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Discovery trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $504 for just liability insurance to a much higher rate of $3,424 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how location impacts auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below illustrates average Land Rover Discovery insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $898
- Drivers who choose higher $1,000 deductibles will pay $220 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,578
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $2,004
- Drivers with multiple violations and an at-fault accident could pay around $3,424
- The cost to insure a 16-year-old driver with full coverage can cost $5,838 a year
Auto insurance rates for a Land Rover Discovery can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Discovery.
Choosing high deductibles could save up to $650 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance can cost from 45% to 135% more than average. View High Risk Driver Rates
Where you live makes a big difference in Land Rover Discovery insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,130 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,428 | -$150 | -9.5% |
| Alaska | $1,210 | -$368 | -23.3% |
| Arizona | $1,310 | -$268 | -17.0% |
| Arkansas | $1,578 | -$0 | 0.0% |
| California | $1,798 | $220 | 13.9% |
| Colorado | $1,508 | -$70 | -4.4% |
| Connecticut | $1,622 | $44 | 2.8% |
| Delaware | $1,786 | $208 | 13.2% |
| Florida | $1,974 | $396 | 25.1% |
| Georgia | $1,456 | -$122 | -7.7% |
| Hawaii | $1,134 | -$444 | -28.1% |
| Idaho | $1,068 | -$510 | -32.3% |
| Illinois | $1,174 | -$404 | -25.6% |
| Indiana | $1,188 | -$390 | -24.7% |
| Iowa | $1,064 | -$514 | -32.6% |
| Kansas | $1,500 | -$78 | -4.9% |
| Kentucky | $2,152 | $574 | 36.4% |
| Louisiana | $2,336 | $758 | 48.0% |
| Maine | $972 | -$606 | -38.4% |
| Maryland | $1,300 | -$278 | -17.6% |
| Massachusetts | $1,262 | -$316 | -20.0% |
| Michigan | $2,740 | $1,162 | 73.6% |
| Minnesota | $1,320 | -$258 | -16.3% |
| Mississippi | $1,890 | $312 | 19.8% |
| Missouri | $1,400 | -$178 | -11.3% |
| Montana | $1,694 | $116 | 7.4% |
| Nebraska | $1,246 | -$332 | -21.0% |
| Nevada | $1,894 | $316 | 20.0% |
| New Hampshire | $1,138 | -$440 | -27.9% |
| New Jersey | $1,764 | $186 | 11.8% |
| New Mexico | $1,398 | -$180 | -11.4% |
| New York | $1,662 | $84 | 5.3% |
| North Carolina | $908 | -$670 | -42.5% |
| North Dakota | $1,292 | -$286 | -18.1% |
| Ohio | $1,090 | -$488 | -30.9% |
| Oklahoma | $1,620 | $42 | 2.7% |
| Oregon | $1,446 | -$132 | -8.4% |
| Pennsylvania | $1,504 | -$74 | -4.7% |
| Rhode Island | $2,106 | $528 | 33.5% |
| South Carolina | $1,428 | -$150 | -9.5% |
| South Dakota | $1,330 | -$248 | -15.7% |
| Tennessee | $1,382 | -$196 | -12.4% |
| Texas | $1,904 | $326 | 20.7% |
| Utah | $1,170 | -$408 | -25.9% |
| Vermont | $1,080 | -$498 | -31.6% |
| Virginia | $944 | -$634 | -40.2% |
| Washington | $1,220 | -$358 | -22.7% |
| West Virginia | $1,446 | -$132 | -8.4% |
| Wisconsin | $1,092 | -$486 | -30.8% |
| Wyoming | $1,408 | -$170 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $444 | $780 | $372 | $1,754 |
| 2023 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2022 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2021 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2020 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2019 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2018 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2017 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 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 Shop for the Cheapest Land Rover Discovery Insurance
Saving money on insurance for a Land Rover Discovery not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The following items are a recap of the car insurance concepts touched on above.
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,850 more per year than a driver with a clean driving record
- It is possible to save around $190 per year just by shopping early and online
- Increasing deductibles could save as much as $650 each year
- Insureds who purchase additional liability coverage will pay about $500 annually to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,838 |
| 20 | $3,642 |
| 30 | $1,648 |
| 40 | $1,578 |
| 50 | $1,440 |
| 60 | $1,412 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,004 |
| $250 | $1,808 |
| $500 | $1,578 |
| $1,000 | $1,358 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,578 |
| 50/100 | $1,668 |
| 100/300 | $1,781 |
| 250/500 | $2,075 |
| 100 CSL | $1,714 |
| 300 CSL | $1,962 |
| 500 CSL | $2,143 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,354 |
| 20 | $5,800 |
| 30 | $3,500 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
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 | $85 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $680 |
Discounts are estimated and may not be available from every company or in every state.
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