Land Rover LR4 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 1, 2024
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The average auto insurance rates for a Land Rover LR4 are $1,174 annually with full coverage. Comprehensive insurance costs on average $228, collision insurance costs $314, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,522 or more. Teenage drivers cost the most to insure at up to $4,558 a year.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different LR4 trim levels.
Price Range Variability
For the average driver, Land Rover LR4 insurance rates range from as cheap as $522 for minimum levels of liability insurance to a much higher rate of $2,522 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
Additional Rate Details
The chart below details average Land Rover LR4 insurance rates for different risk profiles and scenarios.
- The best discount rate is $701
- Raising to $1,000 deductibles will save around $126 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,174
- Using more expensive low deductibles costs an additional $234 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,522
- Policy cost with full coverage for a teen driver with full coverage may cost $4,558
Car insurance rates for a Land Rover LR4 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $360 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Land Rover LR4 insurance rates. A middle-age driver might find rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,590 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $898 | -$276 | -23.5% |
| Arizona | $972 | -$202 | -17.2% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,338 | $164 | 14.0% |
| Colorado | $1,122 | -$52 | -4.4% |
| Connecticut | $1,206 | $32 | 2.7% |
| Delaware | $1,330 | $156 | 13.3% |
| Florida | $1,468 | $294 | 25.0% |
| Georgia | $1,082 | -$92 | -7.8% |
| Hawaii | $844 | -$330 | -28.1% |
| Idaho | $792 | -$382 | -32.5% |
| Illinois | $874 | -$300 | -25.6% |
| Indiana | $882 | -$292 | -24.9% |
| Iowa | $792 | -$382 | -32.5% |
| Kansas | $1,116 | -$58 | -4.9% |
| Kentucky | $1,600 | $426 | 36.3% |
| Louisiana | $1,734 | $560 | 47.7% |
| Maine | $724 | -$450 | -38.3% |
| Maryland | $966 | -$208 | -17.7% |
| Massachusetts | $938 | -$236 | -20.1% |
| Michigan | $2,038 | $864 | 73.6% |
| Minnesota | $980 | -$194 | -16.5% |
| Mississippi | $1,404 | $230 | 19.6% |
| Missouri | $1,040 | -$134 | -11.4% |
| Montana | $1,260 | $86 | 7.3% |
| Nebraska | $926 | -$248 | -21.1% |
| Nevada | $1,406 | $232 | 19.8% |
| New Hampshire | $844 | -$330 | -28.1% |
| New Jersey | $1,310 | $136 | 11.6% |
| New Mexico | $1,040 | -$134 | -11.4% |
| New York | $1,236 | $62 | 5.3% |
| North Carolina | $674 | -$500 | -42.6% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $808 | -$366 | -31.2% |
| Oklahoma | $1,206 | $32 | 2.7% |
| Oregon | $1,074 | -$100 | -8.5% |
| Pennsylvania | $1,120 | -$54 | -4.6% |
| Rhode Island | $1,564 | $390 | 33.2% |
| South Carolina | $1,062 | -$112 | -9.5% |
| South Dakota | $990 | -$184 | -15.7% |
| Tennessee | $1,026 | -$148 | -12.6% |
| Texas | $1,414 | $240 | 20.4% |
| Utah | $868 | -$306 | -26.1% |
| Vermont | $804 | -$370 | -31.5% |
| Virginia | $702 | -$472 | -40.2% |
| Washington | $908 | -$266 | -22.7% |
| West Virginia | $1,074 | -$100 | -8.5% |
| Wisconsin | $814 | -$360 | -30.7% |
| Wyoming | $1,046 | -$128 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,132 | $94 |
| Land Rover LR4 HSE | $1,152 | $96 |
| Land Rover LR4 HSE Plus | $1,174 | $98 |
| Land Rover LR4 LUX | $1,192 | $99 |
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 | $288 | $466 | $460 | $1,372 |
| 2015 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
| 2014 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2013 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2012 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2011 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
| 2010 Land Rover LR4 | $214 | $284 | $474 | $1,130 |
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 Buy Low Cost Land Rover LR4 Insurance
Finding cheaper rates on Land Rover LR4 insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the primary concepts that were touched on above.
- You may be able to save as much as $130 per year just by shopping early and online
- High-risk drivers who have several accidents or serious violations pay an average of $1,350 more each year to insure a Land Rover LR4
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Drivers under the age of 20 are expensive to insure, as much as $380 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,558 |
| 20 | $2,670 |
| 30 | $1,206 |
| 40 | $1,174 |
| 50 | $1,072 |
| 60 | $1,050 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,287 |
| 100/300 | $1,405 |
| 250/500 | $1,713 |
| 100 CSL | $1,334 |
| 300 CSL | $1,595 |
| 500 CSL | $1,785 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,452 |
| 20 | $4,258 |
| 30 | $2,554 |
| 40 | $2,522 |
| 50 | $2,408 |
| 60 | $2,382 |
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 | $61 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $81 |
| Total Discounts | $473 |
Discounts are estimated and may not be available from every company or in every state.
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