Land Rover LR4 Insurance Rates
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UPDATED: Apr 1, 2024
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U.S. average insurance prices for a Land Rover LR4 are $1,222 every 12 months for full coverage insurance. Comprehensive insurance costs on average $244, collision insurance costs $342, and liability insurance costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage 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 by individual coverage:
These estimates include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all LR4 models.
Price Range from Low to High
For the average 40-year-old driver, Land Rover LR4 insurance prices range from the cheapest price of $526 for just liability insurance to the much higher price of $2,630 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, rather than relying 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 different risk profiles and scenarios.
- The best discount rate is $725
- Using higher $1,000 deductibles will save around $132 each year
- The average price for the average middle-age driver with $500 deductibles is $1,222
- Using pricier low deductibles for physical damage coverage costs an extra $256 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,630
- The price to insure a teen driver for full coverage may cost $4,716 or more
Auto insurance prices for a Land Rover LR4 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your LR4.
Using high physical damage deductibles could cut prices by as much as $390 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Land Rover LR4 insurance for high-risk drivers can be anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see prices 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% |
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 Shop for Cheap Land Rover LR4 Insurance
Getting lower rates on Land Rover LR4 insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief summary of the material that was touched on in this article.
- Drivers who require higher liability limits will pay an extra $530 annually to increase from a low limit to a 250/500 level
- Teens are charged the highest prices, as much as $393 a month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations pay on average $1,410 more each year for LR4 insurance
- Increasing physical damage deductibles could save as much as $400 each year
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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