Land Rover LR4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 1, 2024
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U.S. average insurance rates for a Land Rover LR4 are $1,174 a year for full coverage. Comprehensive insurance costs on average $228 a year, collision costs $314, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,522 or more. 16-year-old drivers pay the highest rates at $4,558 a year or more.
Average premium for full coverage: $1,174
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and LR4 trim levels.
Price Range from Low to High
For a 40-year-old driver, Land Rover LR4 insurance prices go from as low as $522 for your basic liability-only policy to a high of $2,522 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.
The diagram below illustrates how your location can change car insurance rates.
The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.
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.
More Rate Information
The chart below shows estimated Land Rover LR4 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $701
- Raising to $1,000 deductibles will save around $1,048 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,174
- Buying low $100 deductibles will cost an extra $234 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,522 or more
- The price for full coverage for a teen driver may cost $4,558
Insurance prices for a Land Rover LR4 are also quite variable based on your driving record, the trim level of your LR4, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age
The state you live in also has a big influence on Land Rover LR4 insurance rates. A middle-age driver might find prices as low as $770 a year in states like Idaho, Maine, and Iowa, or at least $1,670 on average in Michigan, Louisiana, 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% |
Opting for high physical damage deductibles can reduce prices by up to $360 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
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 Affordable Land Rover LR4 Insurance
Getting lower rates on Land Rover LR4 insurance consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to shop around every couple of years by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The list below is a brief review of the material that was illustrated above.
- Drivers who require higher liability limits will pay around $520 each year to raise from a low limit to 250/500 limits
- Teenagers pay the highest prices, with premiums as much as $380 a month for full coverage
- High-risk drivers with DUI or reckless driving convictions will pay on average $1,350 more each year for car insurance
- Increasing physical damage deductibles can save around $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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