Land Rover LR4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
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U.S. average insurance prices for a Land Rover LR4 are $1,130 every 12 months for full coverage insurance. Comprehensive costs on average $214, collision costs $284, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,428. 16-year-old drivers pay the highest rates at $4,424 a year or more.
Average premium for full coverage: $1,130
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different LR4 trim levels.
Price Range from Low to High
For a driver in their 40's, Land Rover LR4 insurance prices go from the cheapest price of $522 for your basic liability-only policy to a much higher rate of $2,428 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location helps determine car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on 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 illustrates estimated Land Rover LR4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $678
- Drivers who choose higher $1,000 deductibles will pay around $114 each year
- The average price for the average middle-age driver with $500 deductibles is $1,130
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,348
- High risk drivers with multiple tickets or accidents could pay upwards of $2,428 or more
- The price to insure a teen driver with full coverage may cost $4,424 a year
Insurance prices for a Land Rover LR4 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your LR4.
Opting for high physical damage deductibles could save up to $340 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,900 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Land Rover LR4 insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,530 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$106 | -9.4% |
| Alaska | $866 | -$264 | -23.4% |
| Arizona | $938 | -$192 | -17.0% |
| Arkansas | $1,130 | -$0 | 0.0% |
| California | $1,288 | $158 | 14.0% |
| Colorado | $1,080 | -$50 | -4.4% |
| Connecticut | $1,162 | $32 | 2.8% |
| Delaware | $1,280 | $150 | 13.3% |
| Florida | $1,416 | $286 | 25.3% |
| Georgia | $1,044 | -$86 | -7.6% |
| Hawaii | $812 | -$318 | -28.1% |
| Idaho | $762 | -$368 | -32.6% |
| Illinois | $842 | -$288 | -25.5% |
| Indiana | $850 | -$280 | -24.8% |
| Iowa | $762 | -$368 | -32.6% |
| Kansas | $1,076 | -$54 | -4.8% |
| Kentucky | $1,542 | $412 | 36.5% |
| Louisiana | $1,672 | $542 | 48.0% |
| Maine | $698 | -$432 | -38.2% |
| Maryland | $932 | -$198 | -17.5% |
| Massachusetts | $904 | -$226 | -20.0% |
| Michigan | $1,964 | $834 | 73.8% |
| Minnesota | $946 | -$184 | -16.3% |
| Mississippi | $1,354 | $224 | 19.8% |
| Missouri | $1,002 | -$128 | -11.3% |
| Montana | $1,214 | $84 | 7.4% |
| Nebraska | $890 | -$240 | -21.2% |
| Nevada | $1,356 | $226 | 20.0% |
| New Hampshire | $814 | -$316 | -28.0% |
| New Jersey | $1,262 | $132 | 11.7% |
| New Mexico | $1,002 | -$128 | -11.3% |
| New York | $1,192 | $62 | 5.5% |
| North Carolina | $652 | -$478 | -42.3% |
| North Dakota | $928 | -$202 | -17.9% |
| Ohio | $780 | -$350 | -31.0% |
| Oklahoma | $1,162 | $32 | 2.8% |
| Oregon | $1,034 | -$96 | -8.5% |
| Pennsylvania | $1,080 | -$50 | -4.4% |
| Rhode Island | $1,508 | $378 | 33.5% |
| South Carolina | $1,024 | -$106 | -9.4% |
| South Dakota | $954 | -$176 | -15.6% |
| Tennessee | $992 | -$138 | -12.2% |
| Texas | $1,364 | $234 | 20.7% |
| Utah | $836 | -$294 | -26.0% |
| Vermont | $774 | -$356 | -31.5% |
| Virginia | $676 | -$454 | -40.2% |
| Washington | $876 | -$254 | -22.5% |
| West Virginia | $1,036 | -$94 | -8.3% |
| Wisconsin | $784 | -$346 | -30.6% |
| Wyoming | $1,008 | -$122 | -10.8% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,094 | $91 |
| Land Rover LR4 HSE | $1,112 | $93 |
| Land Rover LR4 HSE Plus | $1,130 | $94 |
| Land Rover LR4 LUX | $1,148 | $96 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
| 2015 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2014 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2013 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2012 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
| 2011 Land Rover LR4 | $214 | $284 | $474 | $1,130 |
| 2010 Land Rover LR4 | $208 | $256 | $468 | $1,090 |
Rates are averaged for all Land Rover LR4 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 Right Land Rover LR4 Insurance
Getting lower rates on Land Rover LR4 insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a quick rundown of the data that was covered in the charts and tables above.
- It is possible to save as much as $130 per year simply by shopping early and online
- Drivers who require more liability protection will pay around $520 annually to go from a low limit to a 250/500 level
- Youthful drivers pay higher prices, as much as $369 a month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions pay on average $1,300 more each year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,424 |
| 20 | $2,572 |
| 30 | $1,160 |
| 40 | $1,130 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,348 |
| $250 | $1,250 |
| $500 | $1,130 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,130 |
| 50/100 | $1,243 |
| 100/300 | $1,361 |
| 250/500 | $1,669 |
| 100 CSL | $1,290 |
| 300 CSL | $1,551 |
| 500 CSL | $1,741 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,254 |
| 20 | $4,100 |
| 30 | $2,456 |
| 40 | $2,428 |
| 50 | $2,320 |
| 60 | $2,296 |
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 | $58 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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