Land Rover LR4 Insurance Rates

The average insurance rates for a Land Rover LR4 are $1,222 a year including full coverage. Comprehensive costs around $244 each year, collision costs $342, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing around $2,630. Teens cost the most to insure at $4,716 a year or more.

Average premium for full coverage: $1,222

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and LR4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why all drivers should get quotes for a specific zip code, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $725
• Choosing higher $1,000 deductibles can save about $132 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,222
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,478
• Unlucky drivers with serious driving violations could pay at least $2,630 or more
• Policy cost that insures a teen driver can be $4,716 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Land Rover LR4 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, 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 Cheap Land Rover LR4 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a brief summary of the primary concepts that were covered above.

• You may be able to save up to $140 per year simply by quoting online in advance
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,410 more every year to insure their LR4
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teen drivers are charged the highest rates, with premiums being up to $393 each month if comprehensive and collision insurance is included