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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Estimated insurance rates for a Land Rover LR4 are $1,130 a year with full coverage. Comprehensive insurance costs approximately $214, collision insurance costs $284, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,428 or more. Teen drivers pay the most at up to $4,424 a year.
Average premium for full coverage: $1,130
Premium estimates by type of coverage:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for all LR4 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Land Rover LR4 range from as low as $522 for a discount liability-only rate to the much higher price of $2,428 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price 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.
Rates by State, City, and Model
The chart below details average Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $678
- Raising to $1,000 deductibles will save $114 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,130
- Choosing pricier low deductibles will cost an extra $218 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,428
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,424
Insurance prices for a Land Rover LR4 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Land Rover LR4 insurance prices. A middle-age driver might find prices as low as $810 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,530 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$106 | -9.4% |
| Alaska | $866 | -$264 | -23.4% |
| Arizona | $938 | -$192 | -17.0% |
| Arkansas | $1,130 | -$0 | 0.0% |
| California | $1,288 | $158 | 14.0% |
| Colorado | $1,080 | -$50 | -4.4% |
| Connecticut | $1,162 | $32 | 2.8% |
| Delaware | $1,280 | $150 | 13.3% |
| Florida | $1,416 | $286 | 25.3% |
| Georgia | $1,044 | -$86 | -7.6% |
| Hawaii | $812 | -$318 | -28.1% |
| Idaho | $762 | -$368 | -32.6% |
| Illinois | $842 | -$288 | -25.5% |
| Indiana | $850 | -$280 | -24.8% |
| Iowa | $762 | -$368 | -32.6% |
| Kansas | $1,076 | -$54 | -4.8% |
| Kentucky | $1,542 | $412 | 36.5% |
| Louisiana | $1,672 | $542 | 48.0% |
| Maine | $698 | -$432 | -38.2% |
| Maryland | $932 | -$198 | -17.5% |
| Massachusetts | $904 | -$226 | -20.0% |
| Michigan | $1,964 | $834 | 73.8% |
| Minnesota | $946 | -$184 | -16.3% |
| Mississippi | $1,354 | $224 | 19.8% |
| Missouri | $1,002 | -$128 | -11.3% |
| Montana | $1,214 | $84 | 7.4% |
| Nebraska | $890 | -$240 | -21.2% |
| Nevada | $1,356 | $226 | 20.0% |
| New Hampshire | $814 | -$316 | -28.0% |
| New Jersey | $1,262 | $132 | 11.7% |
| New Mexico | $1,002 | -$128 | -11.3% |
| New York | $1,192 | $62 | 5.5% |
| North Carolina | $652 | -$478 | -42.3% |
| North Dakota | $928 | -$202 | -17.9% |
| Ohio | $780 | -$350 | -31.0% |
| Oklahoma | $1,162 | $32 | 2.8% |
| Oregon | $1,034 | -$96 | -8.5% |
| Pennsylvania | $1,080 | -$50 | -4.4% |
| Rhode Island | $1,508 | $378 | 33.5% |
| South Carolina | $1,024 | -$106 | -9.4% |
| South Dakota | $954 | -$176 | -15.6% |
| Tennessee | $992 | -$138 | -12.2% |
| Texas | $1,364 | $234 | 20.7% |
| Utah | $836 | -$294 | -26.0% |
| Vermont | $774 | -$356 | -31.5% |
| Virginia | $676 | -$454 | -40.2% |
| Washington | $876 | -$254 | -22.5% |
| West Virginia | $1,036 | -$94 | -8.3% |
| Wisconsin | $784 | -$346 | -30.6% |
| Wyoming | $1,008 | -$122 | -10.8% |
Choosing high deductibles can reduce prices by up to $340 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 extra annually, depending on your age. Land Rover LR4 insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,094 | $91 |
| Land Rover LR4 HSE | $1,112 | $93 |
| Land Rover LR4 HSE Plus | $1,130 | $94 |
| Land Rover LR4 LUX | $1,148 | $96 |
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 | $278 | $436 | $464 | $1,336 |
| 2015 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2014 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2013 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2012 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
| 2011 Land Rover LR4 | $214 | $284 | $474 | $1,130 |
| 2010 Land Rover LR4 | $208 | $256 | $468 | $1,090 |
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 the Cheapest Land Rover LR4 Insurance
Finding better rates on car insurance consists of being a low-risk driver, maintaining good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a recap of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, possibly costing $369 per month for full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,300 more per year to insure their LR4
- Increasing policy deductibles can save around $325 each year
- You may be able to save around $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,424 |
| 20 | $2,572 |
| 30 | $1,160 |
| 40 | $1,130 |
| 50 | $1,036 |
| 60 | $1,014 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,348 |
| $250 | $1,250 |
| $500 | $1,130 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,130 |
| 50/100 | $1,243 |
| 100/300 | $1,361 |
| 250/500 | $1,669 |
| 100 CSL | $1,290 |
| 300 CSL | $1,551 |
| 500 CSL | $1,741 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,254 |
| 20 | $4,100 |
| 30 | $2,456 |
| 40 | $2,428 |
| 50 | $2,320 |
| 60 | $2,296 |
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 | $58 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $78 |
| Total Discounts | $452 |
Discounts are estimated and may not be available from every company or in every state.
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