Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,130 a year for full coverage insurance. Comprehensive insurance costs an estimated $214, collision costs $284, and liability insurance is $474. Buying just liability costs around $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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

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

The examples above illustrate why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $678
• Raising to $1,000 deductibles will save approximately $114 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,130
• Buying pricier low deductibles will cost an extra $218 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,428 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,424

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

Your home state also has a big influence on Land Rover LR4 insurance rates. A middle-age driver might find rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

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

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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates 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 Land Rover LR4 insurance consists of being safe and accident-free, maintaining good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the material that was illustrated above.

• Drivers who want more liability protection will pay around $520 annually to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, possibly costing $369 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $1,300 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $325 each year