Land Rover Discovery Sport Insurance Rates
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UPDATED: Apr 3, 2024
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Estimated insurance rates for a Land Rover Discovery Sport are $1,400 a year for full coverage. Comprehensive insurance costs approximately $298 each year, collision costs $484, and liability insurance is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $3,024 or more. 16-year-old drivers pay the most at $5,268 a year or more.
Average premium for full coverage: $1,400
Premium estimates by type of coverage:
Estimates include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Discovery Sport models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Land Rover Discovery Sport go from the low end price of $510 for minimum levels of liability insurance to a high rate of $3,024 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences show why all drivers should compare rates quotes using their specific location, rather than relying on rate 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.
Additional Rate Details
The chart below shows estimated Land Rover Discovery Sport insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $812
- Raising to $1,000 deductibles will save $178 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,400
- Buying low deductibles will cost an additional $344 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,024 or more
- An auto insurance policy that insures a teen driver can cost $5,268
Auto insurance prices for a Land Rover Discovery Sport also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live also has a big influence on Land Rover Discovery Sport insurance rates. A middle-age driver might find prices as low as $920 a year in states like Iowa, Maine, and Idaho, or at least $2,000 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,338 | -$62 | -4.4% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,584 | $184 | 13.1% |
| Florida | $1,752 | $352 | 25.1% |
| Georgia | $1,292 | -$108 | -7.7% |
| Hawaii | $1,006 | -$394 | -28.1% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,044 | -$356 | -25.4% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,072 | $672 | 48.0% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,676 | $276 | 19.7% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $806 | -$594 | -42.4% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $968 | -$432 | -30.9% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,282 | -$118 | -8.4% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,036 | -$364 | -26.0% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $838 | -$562 | -40.1% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,282 | -$118 | -8.4% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,250 | -$150 | -10.7% |
Opting for high physical damage deductibles can reduce prices by up to $530 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Land Rover Discovery Sport | $418 | $718 | $372 | $1,666 |
| 2023 Land Rover Discovery Sport | $398 | $690 | $390 | $1,636 |
| 2022 Land Rover Discovery Sport | $382 | $686 | $398 | $1,624 |
| 2021 Land Rover Discovery Sport | $368 | $668 | $416 | $1,610 |
| 2020 Land Rover Discovery Sport | $356 | $640 | $430 | $1,584 |
| 2019 Land Rover Discovery Sport | $336 | $618 | $442 | $1,554 |
| 2018 Land Rover Discovery Sport | $324 | $574 | $452 | $1,508 |
| 2017 Land Rover Discovery Sport | $310 | $540 | $456 | $1,464 |
| 2016 Land Rover Discovery Sport | $298 | $484 | $460 | $1,400 |
| 2015 Land Rover Discovery Sport | $278 | $446 | $460 | $1,342 |
Rates are averaged for all Land Rover Discovery Sport 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 Low Cost Land Rover Discovery Sport Insurance
Finding better rates on Land Rover Discovery Sport insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.
The following is a review of the data that was touched on in this article.
- Drivers can save around $170 per year simply by quoting online in advance
- Drivers who purchase higher liability limits will pay around $510 each year to raise from 30/60 bodily injury limits to the 250/500 level
- Teens have the highest car insurance prices, as much as $439 per month if the policy includes full coverage
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,620 more per year for Discovery Sport insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,268 |
| 20 | $3,212 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,744 |
| $250 | $1,584 |
| $500 | $1,400 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,492 |
| 100/300 | $1,607 |
| 250/500 | $1,906 |
| 100 CSL | $1,538 |
| 300 CSL | $1,791 |
| 500 CSL | $1,975 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,504 |
| 20 | $5,114 |
| 30 | $3,084 |
| 40 | $3,024 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $74 |
| Homeowner | $22 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
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