Land Rover LR4 Insurance Rates

U.S. average auto insurance rates for a Land Rover LR4 are $1,174 annually for full coverage insurance. Comprehensive costs around $228, collision costs $314, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,522. Teenage drivers pay the highest rates at $4,558 a year or more.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all LR4 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates estimated Land Rover LR4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $701
• Drivers who choose higher $1,000 deductibles will pay about $126 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,174
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,408
• High risk drivers who are prone to accidents and violations could pay at least $2,522 or more
• The price with full coverage for a teen driver for full coverage can be $4,558 a year

View Chart as Image

Auto insurance prices for a Land Rover LR4 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $1,900 in extra premium each year, depending on your age. Land Rover LR4 insurance for high-risk drivers can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $360 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Land Rover LR4 insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy More Affordable Land Rover LR4 Insurance

Getting lower rates on Land Rover LR4 insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the car insurance concepts covered above.

• High-risk drivers who have multiple accidents or major violations pay on average $1,350 more every year for car insurance
• It is possible to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $350 each year
• Drivers who may need higher liability limits will pay an extra $520 annually to go from a low limit to higher 250/500 limits