Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,130 a year with full coverage. Comprehensive costs an estimated $214 each year, collision costs $284, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,428. 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:

Includes $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details 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 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,130
• Buying low deductibles bumps up the cost to $1,348
• Drivers with multiple tickets or accidents could pay up to $2,428 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,424

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 prices. A middle-age driver might find rates as low as $810 a year in states like Utah, Ohio, and New Hampshire, or at least $1,530 on average in New York, Michigan, and Florida.

View Chart as Image

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

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 the Cheapest Land Rover LR4 Insurance

Finding cheaper rates on insurance for a Land Rover LR4 consists of having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.

The next list is a recap of the material that was raised in the charts and tables above.

• Insureds who want increased levels of liability coverage will pay around $520 every year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $369 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,300 more annually to buy Land Rover LR4 insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year