Land Rover Discovery Insurance Rates
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UPDATED: May 17, 2024
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Estimated insurance rates for a Land Rover Discovery are $1,534 a year for full coverage insurance. Comprehensive costs on average $332, collision costs $588, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $3,320. Teen drivers pay the most at $5,698 a year or more.
Average premium for full coverage: $1,534
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Discovery models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Land Rover Discovery go from the low end price of $508 for just liability coverage to the much higher price of $3,320 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how where you live affects car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, 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.
Detailed Rate Analysis
The chart below illustrates estimated Land Rover Discovery insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $876
- Raising to $1,000 deductibles will save around $210 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,534
- Choosing pricier low deductibles bumps up the cost to $1,938
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,320 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $5,698
Insurance prices for a Land Rover Discovery also have a wide range based on the model of your Discovery, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Land Rover Discovery insurance for high-risk drivers is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,600 a year. View Rates by Age
Where you choose to live also has a big influence on Land Rover Discovery insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,070 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,386 | -$148 | -9.6% |
| Alaska | $1,176 | -$358 | -23.3% |
| Arizona | $1,272 | -$262 | -17.1% |
| Arkansas | $1,534 | -$0 | 0.0% |
| California | $1,748 | $214 | 14.0% |
| Colorado | $1,464 | -$70 | -4.6% |
| Connecticut | $1,576 | $42 | 2.7% |
| Delaware | $1,734 | $200 | 13.0% |
| Florida | $1,918 | $384 | 25.0% |
| Georgia | $1,414 | -$120 | -7.8% |
| Hawaii | $1,102 | -$432 | -28.2% |
| Idaho | $1,036 | -$498 | -32.5% |
| Illinois | $1,142 | -$392 | -25.6% |
| Indiana | $1,154 | -$380 | -24.8% |
| Iowa | $1,034 | -$500 | -32.6% |
| Kansas | $1,456 | -$78 | -5.1% |
| Kentucky | $2,092 | $558 | 36.4% |
| Louisiana | $2,268 | $734 | 47.8% |
| Maine | $946 | -$588 | -38.3% |
| Maryland | $1,264 | -$270 | -17.6% |
| Massachusetts | $1,226 | -$308 | -20.1% |
| Michigan | $2,662 | $1,128 | 73.5% |
| Minnesota | $1,284 | -$250 | -16.3% |
| Mississippi | $1,836 | $302 | 19.7% |
| Missouri | $1,360 | -$174 | -11.3% |
| Montana | $1,648 | $114 | 7.4% |
| Nebraska | $1,206 | -$328 | -21.4% |
| Nevada | $1,836 | $302 | 19.7% |
| New Hampshire | $1,104 | -$430 | -28.0% |
| New Jersey | $1,712 | $178 | 11.6% |
| New Mexico | $1,358 | -$176 | -11.5% |
| New York | $1,614 | $80 | 5.2% |
| North Carolina | $882 | -$652 | -42.5% |
| North Dakota | $1,252 | -$282 | -18.4% |
| Ohio | $1,058 | -$476 | -31.0% |
| Oklahoma | $1,574 | $40 | 2.6% |
| Oregon | $1,404 | -$130 | -8.5% |
| Pennsylvania | $1,462 | -$72 | -4.7% |
| Rhode Island | $2,046 | $512 | 33.4% |
| South Carolina | $1,388 | -$146 | -9.5% |
| South Dakota | $1,294 | -$240 | -15.6% |
| Tennessee | $1,342 | -$192 | -12.5% |
| Texas | $1,846 | $312 | 20.3% |
| Utah | $1,134 | -$400 | -26.1% |
| Vermont | $1,050 | -$484 | -31.6% |
| Virginia | $918 | -$616 | -40.2% |
| Washington | $1,186 | -$348 | -22.7% |
| West Virginia | $1,404 | -$130 | -8.5% |
| Wisconsin | $1,062 | -$472 | -30.8% |
| Wyoming | $1,364 | -$170 | -11.1% |
Choosing high deductibles can reduce prices by up to $620 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery | $424 | $750 | $390 | $1,722 |
| 2023 Land Rover Discovery | $406 | $744 | $398 | $1,706 |
| 2022 Land Rover Discovery | $394 | $726 | $416 | $1,694 |
| 2021 Land Rover Discovery | $380 | $696 | $430 | $1,664 |
| 2020 Land Rover Discovery | $358 | $672 | $442 | $1,630 |
| 2019 Land Rover Discovery | $344 | $624 | $452 | $1,578 |
| 2018 Land Rover Discovery | $332 | $588 | $456 | $1,534 |
| 2017 Land Rover Discovery | $318 | $526 | $460 | $1,462 |
Rates are averaged for all Land Rover Discovery 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 More Affordable Land Rover Discovery Insurance
Finding better rates on insurance for a Land Rover Discovery consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Shop around once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a summary of the data that was touched on in the above illustrations.
- It is possible to save as much as $190 per year simply by quoting online well ahead of the renewal date
- Insureds who require higher liability limits will pay about $500 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teenagers pay the highest prices, with premiums being up to $475 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,790 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,698 |
| 20 | $3,532 |
| 30 | $1,598 |
| 40 | $1,534 |
| 50 | $1,398 |
| 60 | $1,372 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,938 |
| $250 | $1,750 |
| $500 | $1,534 |
| $1,000 | $1,324 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,534 |
| 50/100 | $1,625 |
| 100/300 | $1,739 |
| 250/500 | $2,036 |
| 100 CSL | $1,671 |
| 300 CSL | $1,922 |
| 500 CSL | $2,104 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,142 |
| 20 | $5,628 |
| 30 | $3,392 |
| 40 | $3,320 |
| 50 | $3,170 |
| 60 | $3,142 |
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 | $83 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $71 |
| Advance Quote | $76 |
| Online Quote | $110 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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