Land Rover LR4 Insurance Rates
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UPDATED: Apr 1, 2024
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Average insurance prices for a Land Rover LR4 are $1,222 every 12 months for full coverage. Comprehensive insurance costs approximately $244 a year, collision insurance costs $342, and liability costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs $2,630 or more. Teen drivers receive the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,222
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and LR4 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $526 for your basic liability-only policy to a high of $2,630 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.
These examples show why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on 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.
More Rate Information
The chart below shows average Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $725
- Using higher $1,000 deductibles will save $1,090 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,222
- Choosing low $100 deductibles for physical damage coverage costs an extra $256 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,630
- The cost to insure a 16-year-old driver can cost $4,716 or more
Car insurance rates for a Land Rover LR4 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your LR4.
Choosing high deductibles could cut rates by as much as $390 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 42% to 128% more than average. View High Risk Driver Rates
Where you live has a huge impact on Land Rover LR4 insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,106 | -$116 | -9.5% |
| Alaska | $938 | -$284 | -23.2% |
| Arizona | $1,014 | -$208 | -17.0% |
| Arkansas | $1,222 | -$0 | 0.0% |
| California | $1,392 | $170 | 13.9% |
| Colorado | $1,168 | -$54 | -4.4% |
| Connecticut | $1,256 | $34 | 2.8% |
| Delaware | $1,384 | $162 | 13.3% |
| Florida | $1,528 | $306 | 25.0% |
| Georgia | $1,128 | -$94 | -7.7% |
| Hawaii | $878 | -$344 | -28.2% |
| Idaho | $828 | -$394 | -32.2% |
| Illinois | $912 | -$310 | -25.4% |
| Indiana | $920 | -$302 | -24.7% |
| Iowa | $824 | -$398 | -32.6% |
| Kansas | $1,164 | -$58 | -4.7% |
| Kentucky | $1,668 | $446 | 36.5% |
| Louisiana | $1,810 | $588 | 48.1% |
| Maine | $754 | -$468 | -38.3% |
| Maryland | $1,008 | -$214 | -17.5% |
| Massachusetts | $978 | -$244 | -20.0% |
| Michigan | $2,126 | $904 | 74.0% |
| Minnesota | $1,024 | -$198 | -16.2% |
| Mississippi | $1,464 | $242 | 19.8% |
| Missouri | $1,084 | -$138 | -11.3% |
| Montana | $1,314 | $92 | 7.5% |
| Nebraska | $964 | -$258 | -21.1% |
| Nevada | $1,466 | $244 | 20.0% |
| New Hampshire | $882 | -$340 | -27.8% |
| New Jersey | $1,368 | $146 | 11.9% |
| New Mexico | $1,082 | -$140 | -11.5% |
| New York | $1,288 | $66 | 5.4% |
| North Carolina | $704 | -$518 | -42.4% |
| North Dakota | $1,000 | -$222 | -18.2% |
| Ohio | $844 | -$378 | -30.9% |
| Oklahoma | $1,256 | $34 | 2.8% |
| Oregon | $1,120 | -$102 | -8.3% |
| Pennsylvania | $1,168 | -$54 | -4.4% |
| Rhode Island | $1,632 | $410 | 33.6% |
| South Carolina | $1,106 | -$116 | -9.5% |
| South Dakota | $1,032 | -$190 | -15.5% |
| Tennessee | $1,072 | -$150 | -12.3% |
| Texas | $1,476 | $254 | 20.8% |
| Utah | $906 | -$316 | -25.9% |
| Vermont | $836 | -$386 | -31.6% |
| Virginia | $732 | -$490 | -40.1% |
| Washington | $944 | -$278 | -22.7% |
| West Virginia | $1,120 | -$102 | -8.3% |
| Wisconsin | $846 | -$376 | -30.8% |
| Wyoming | $1,092 | -$130 | -10.6% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Land Rover LR4 | $1,178 | $98 |
| Land Rover LR4 HSE | $1,200 | $100 |
| Land Rover LR4 HSE Plus | $1,222 | $102 |
| Land Rover LR4 LUX | $1,246 | $104 |
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 | $308 | $506 | $460 | $1,432 |
| 2015 Land Rover LR4 | $288 | $466 | $460 | $1,372 |
| 2014 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
| 2013 Land Rover LR4 | $270 | $406 | $474 | $1,308 |
| 2012 Land Rover LR4 | $250 | $378 | $474 | $1,260 |
| 2011 Land Rover LR4 | $244 | $342 | $478 | $1,222 |
| 2010 Land Rover LR4 | $228 | $314 | $474 | $1,174 |
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 Shop for Affordable Land Rover LR4 Insurance
Saving money on insurance for a Land Rover LR4 requires having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,410 more per year to buy Land Rover LR4 insurance
- Drivers age 20 and younger pay the highest auto insurance rates, costing as high as $393 per month if the policy includes full coverage
- Drivers can save around $140 per year just by quoting early and online
- Increasing deductibles could save as much as $400 each year
- Drivers can save around $140 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $2,786 |
| 30 | $1,258 |
| 40 | $1,222 |
| 50 | $1,120 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,478 |
| $250 | $1,362 |
| $500 | $1,222 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,222 |
| 50/100 | $1,342 |
| 100/300 | $1,461 |
| 250/500 | $1,772 |
| 100 CSL | $1,389 |
| 300 CSL | $1,652 |
| 500 CSL | $1,844 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,686 |
| 20 | $4,438 |
| 30 | $2,670 |
| 40 | $2,630 |
| 50 | $2,512 |
| 60 | $2,486 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $497 |
Discounts are estimated and may not be available from every company or in every state.
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