Land Rover LR4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 1, 2024

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U.S. average auto insurance rates for a Land Rover LR4 are $1,174 annually for full coverage insurance. Comprehensive insurance costs on average $228, collision insurance costs $314, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,522 or more. Teenage drivers pay the highest rates at up to $4,558 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Comprehensive $228
Collision $314
Liability $474

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all LR4 models.

Price Range from Low to High

For a driver in their 40's, Land Rover LR4 insurance prices range from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,522 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,174
High Risk $2,522

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The example below illustrates how location helps determine car insurance rates.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The ranges above illustrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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.

Additional Rate Analysis

The chart below illustrates average Land Rover LR4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $701
  • Using higher $1,000 deductibles will save around $126 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,174
  • Using pricier low deductibles for physical damage coverage costs an additional $234 every year
  • Drivers who are prone to accidents and violations could pay upwards of $2,522
  • The price with full coverage for a teen driver for full coverage may cost $4,558 or more

View Chart as Image

Land Rover LR4 insurance cost comparison chart
Column chart showing Land Rover LR4 insurance prices range from $701 to $4,558 for full coverage

Insurance prices for a Land Rover LR4 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Land Rover LR4 insurance for high-risk drivers can be as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $360 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Land Rover LR4 insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.

Land Rover LR4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $898 -$276 -23.5%
Arizona $972 -$202 -17.2%
Arkansas $1,174 -$0 0.0%
California $1,338 $164 14.0%
Colorado $1,122 -$52 -4.4%
Connecticut $1,206 $32 2.7%
Delaware $1,330 $156 13.3%
Florida $1,468 $294 25.0%
Georgia $1,082 -$92 -7.8%
Hawaii $844 -$330 -28.1%
Idaho $792 -$382 -32.5%
Illinois $874 -$300 -25.6%
Indiana $882 -$292 -24.9%
Iowa $792 -$382 -32.5%
Kansas $1,116 -$58 -4.9%
Kentucky $1,600 $426 36.3%
Louisiana $1,734 $560 47.7%
Maine $724 -$450 -38.3%
Maryland $966 -$208 -17.7%
Massachusetts $938 -$236 -20.1%
Michigan $2,038 $864 73.6%
Minnesota $980 -$194 -16.5%
Mississippi $1,404 $230 19.6%
Missouri $1,040 -$134 -11.4%
Montana $1,260 $86 7.3%
Nebraska $926 -$248 -21.1%
Nevada $1,406 $232 19.8%
New Hampshire $844 -$330 -28.1%
New Jersey $1,310 $136 11.6%
New Mexico $1,040 -$134 -11.4%
New York $1,236 $62 5.3%
North Carolina $674 -$500 -42.6%
North Dakota $960 -$214 -18.2%
Ohio $808 -$366 -31.2%
Oklahoma $1,206 $32 2.7%
Oregon $1,074 -$100 -8.5%
Pennsylvania $1,120 -$54 -4.6%
Rhode Island $1,564 $390 33.2%
South Carolina $1,062 -$112 -9.5%
South Dakota $990 -$184 -15.7%
Tennessee $1,026 -$148 -12.6%
Texas $1,414 $240 20.4%
Utah $868 -$306 -26.1%
Vermont $804 -$370 -31.5%
Virginia $702 -$472 -40.2%
Washington $908 -$266 -22.7%
West Virginia $1,074 -$100 -8.5%
Wisconsin $814 -$360 -30.7%
Wyoming $1,046 -$128 -10.9%

View Chart as Image

Land Rover LR4 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Land Rover LR4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Land Rover LR4 $1,132 $94
Land Rover LR4 HSE $1,152 $96
Land Rover LR4 HSE Plus $1,174 $98
Land Rover LR4 LUX $1,192 $99

Rates assume 2010 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.

Land Rover LR4 Insurance Rates by Model Year
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 Buy Low Cost Land Rover LR4 Insurance

Getting lower rates on car insurance requires being a good driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a review of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 pay higher prices, as much as $380 a month if they have full coverage
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,350 more each year than a safer driver
  • Increasing physical damage deductibles could save up to $350 each year
  • It is possible to save as much as $130 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Land Rover LR4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,558
20 $2,670
30 $1,206
40 $1,174
50 $1,072
60 $1,050

Full coverage, $500 deductibles

Rates by Deductible

Land Rover LR4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,174
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,287
100/300 $1,405
250/500 $1,713
100 CSL $1,334
300 CSL $1,595
500 CSL $1,785

Full coverage, driver age 40

Rates for High Risk Drivers

Land Rover LR4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,452
20 $4,258
30 $2,554
40 $2,522
50 $2,408
60 $2,382

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.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $76
5-yr Claim Free $74
Paid in Full/EFT $46
Advance Quote $53
Online Quote $81
Total Discounts $473
Rate after discounts $701

Discounts are estimated and may not be available from every company or in every state.

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