Land Rover LR4 Insurance Rates

The average auto insurance rates for a Land Rover LR4 are $1,130 annually for full coverage. Comprehensive insurance costs an estimated $214, collision costs $284, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,428 or more. 16-year-old drivers cost the most to insure at $4,424 a year or more.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The example below illustrates how your location can change insurance prices.

The examples above show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below shows estimated Land Rover LR4 insurance rates for other coverage scenarios.

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $114 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,130
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $218 annually
• Drivers with multiple tickets or accidents could pay up to $2,428 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,424 a year

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Insurance rates for a Land Rover LR4 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,300 to $1,900 extra every year, depending on your age. Land Rover LR4 insurance for high-risk drivers can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $340 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Land Rover LR4 insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,610 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied between companies.

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 Buy Cheaper Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the car insurance concepts illustrated above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,300 more annually than a safer driver
• Drivers can save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Insureds who want an increased level of liability coverage will pay around $520 each year to go from a 30/60 limit to higher 250/500 limits