Land Rover Discovery Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $182
Collision $224
Liability $442

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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

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

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption