Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,130 a year for full coverage. Comprehensive costs on average $214 a year, collision costs $284, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,428. 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 by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare prices based on a specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Land Rover LR4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $678
• Using higher $1,000 deductibles will save around $1,016 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,130
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,348
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,428 or more
• Policy cost for full coverage for a teenage driver may cost $4,424 or more

View Chart as Image

Car insurance rates for a Land Rover LR4 also range considerably based on your risk profile, the trim level of your LR4, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Your home state has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,610 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $340 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 Affordable Land Rover LR4 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The points below are a brief review of the ideas that were illustrated above.

• Drivers under the age of 20 are expensive to insure, costing up to $369 each month if full coverage is included
• Drivers with DUI or reckless driving convictions will pay on average $1,300 more each year to insure a Land Rover LR4
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers can save as much as $130 per year simply by quoting early and online