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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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:
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.
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.
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
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.
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% |
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
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 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
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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