Land Rover LR4 Insurance Rates

The average insurance prices for a Land Rover LR4 are $1,130 every 12 months with full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $284, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,428 or more. Teenage drivers cost the most to insure at up to $4,424 a year.

Average premium for full coverage: $1,130

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different LR4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

The chart below details average Land Rover LR4 insurance rates for other coverage scenarios.

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save approximately $114 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,130
• Using more expensive low deductibles for comp and collision coverage costs an extra $218 each year
• Drivers who are prone to accidents and violations could pay up to $2,428
• Policy cost to insure a teenage driver with full coverage can cost as much as $4,424 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $340 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,300 to $1,900 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Land Rover LR4 insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.

View Chart as Image

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 Shop for Low Cost Land Rover LR4 Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below is a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $130 per year just by shopping early and online
• Drivers who have several accidents or serious violations may pay on average $1,300 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teenage drivers are expensive to insure, as much as $369 each month if full coverage is included