Land Rover Discovery Sport Insurance Rates
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UPDATED: Apr 3, 2024
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Average insurance rates for a Land Rover Discovery Sport are $1,400 a year for full coverage insurance. Comprehensive insurance costs approximately $298, collision costs $484, and liability coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $3,024 or more. Teen drivers receive the highest rates at $5,268 a year or more.
Average premium for full coverage: $1,400
Rate estimates by individual coverage type:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Discovery Sport trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $510 for just liability coverage to a much higher rate of $3,024 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance prices.
These examples illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than using 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 Sport insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $812
- Choosing higher $1,000 deductibles can save $178 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,400
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $344 each year
- Drivers with multiple violations and an at-fault accident could pay around $3,024 or more
- The cost that insures a teenage driver with full coverage can cost $5,268 each year
Auto insurance rates for a Land Rover Discovery Sport can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance ranges around 44% to 136% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are highest for teen drivers, 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 live plays a big part in determining prices for Land Rover Discovery Sport insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,890 on average in Florida, New York, 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% |
Choosing high deductibles can save as much as $530 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates can be significantly 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 the Best Cheap Land Rover Discovery Sport Insurance
Saving money on auto insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a quick review of the car insurance concepts covered in the charts and tables above.
- Drivers with a DUI or reckless driving violation could be charged and average of $1,620 more per year for auto insurance
- It is possible to save around $170 per year simply by shopping early and online
- Increasing deductibles can save approximately $525 each year
- Consumers who purchase higher levels of liability will pay about $510 annually to raise limits from a minimum limit to the 250/500 level
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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