Land Rover LR4 Insurance Rates

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Cheaper 2010 Land Rover LR4 Insurance Rates in 2025

Consumers have many options when looking for affordable Land Rover LR4 insurance. They can either waste time driving around trying to get quotes or utilize the internet to compare rates. There is a better way to find insurance online so you're going to learn the absolute fastest way to get price quotes on a Land Rover and obtain the best price possible from local insurance agents and online provid...

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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...

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UPDATED: Apr 1, 2024

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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:

Comprehensive $228
Collision $314
Liability $474

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

For a 40-year-old driver, prices range go from the low end price of $522 for a discount liability-only rate to a high of $2,522 for high-risk insurance.

Liability Only $522
Full Coverage $1,174
High Risk $2,522

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.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

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.

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

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

Land Rover LR4 insurance cost comparison chart
Column chart showing full coverage Land Rover LR4 insurance rates range from $701 to $4,558

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.

Land Rover LR4 Insurance Rates by State
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%

View Chart as Image

Land Rover LR4 insurance rates by U.S. city

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

Land Rover LR4 Insurance Rates by Model and Trim Level
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.

Land Rover LR4 Insurance Rates by Model Year
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 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

Rates by Driver Age

Land Rover LR4 Insurance 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

Land Rover LR4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,174
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR4 Insurance Rates with Different Liability Limits
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

Land Rover LR4 Insurance 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.

SR-22 Surcharge $158

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
Rate after discounts $701

Discounts are estimated and may not be available from every company or in every state.

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