Land Rover LR4 Insurance Rates

Average insurance rates for a Land Rover LR4 are $1,174 a year including full coverage. Comprehensive costs approximately $228 a year, collision costs $314, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,522. Teens receive the highest rates at $4,558 a year or more.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and LR4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance prices.

These examples highlight why it is important to compare prices using their specific location, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Land Rover LR4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $701
• Using higher $1,000 deductibles will save $1,048 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,174
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,408
• Drivers with serious driving violations could pay around $2,522 or more
• The cost that insures a teen driver can cost $4,558 or more

View Chart as Image

Insurance rates for a Land Rover LR4 can also vary considerably based on the trim level of your LR4, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Land Rover LR4 Insurance

Saving money on Land Rover LR4 insurance requires being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a summary of the material that was illustrated above.

• Drivers who purchase an increased level of liability coverage will pay approximately $520 per year to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $380 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,350 more per year than a safer driver
• Increasing deductibles can save approximately $350 each year