Land Rover LR4 Insurance Rates
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UPDATED: Apr 1, 2024
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U.S. average insurance rates for a Land Rover LR4 are $1,222 a year for full coverage insurance. Comprehensive insurance costs around $244 each year, collision insurance costs $342, and liability costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs $2,630 or more. Teenage drivers pay the highest rates at up to $4,716 a year.
Average premium for full coverage: $1,222
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and LR4 models.
Price Range from Low to High
For the average driver, Land Rover LR4 insurance prices range from the low end price of $526 for just liability insurance to a high rate of $2,630 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code, instead of making a decision based on 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.
More Rate Details
The chart below illustrates average Land Rover LR4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $725
- Drivers who choose higher $1,000 deductibles will pay about $132 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,222
- Using low deductibles for comprehensive and collision insurance will cost an additional $256 annually
- Drivers who are prone to accidents and violations could pay at least $2,630
- The price that insures a 16-year-old driver can be $4,716 a year
Insurance prices for a Land Rover LR4 are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost from 42% to 128% more than a normal policy. 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 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age
The state you live in makes a big difference in Land Rover LR4 insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $390 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
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 Find Cheap Land Rover LR4 Insurance
Getting lower rates on insurance for a Land Rover LR4 not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The list below is a brief summary of the primary concepts that were touched on above.
- It is possible to save up to $140 per year just by quoting online in advance
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,410 more every year for car insurance
- Increasing physical damage deductibles can save approximately $400 each year
- Teenagers are charged the highest prices, as much as $393 a month if comprehensive and collision insurance is included
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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