Land Rover LR4 Insurance Rates
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UPDATED: Apr 1, 2024
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Average auto insurance rates for a Land Rover LR4 are $1,222 annually with full coverage. Comprehensive insurance costs approximately $244 a year, collision costs $342, and liability insurance costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,630 or more. Teens receive the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,222
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and LR4 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $526 for a discount liability-only rate to a high of $2,630 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below details estimated Land Rover LR4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $725
- Using higher $1,000 deductibles will save $1,090 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,222
- Selecting low $100 deductibles for physical damage coverage costs an additional $256 a year
- Drivers with serious driving violations could pay around $2,630 or more
- The cost with full coverage for a teen driver can cost $4,716 or more
Insurance rates for a Land Rover LR4 can also vary considerably based on the trim level of your LR4, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $390 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Land Rover LR4 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,650 on average in New York, Michigan, 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and rates can be significantly different between companies.
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 Buy Cheap Land Rover LR4 Insurance
Saving money on Land Rover LR4 insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a brief summary of the car insurance concepts raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,410 more per year than a safer driver
- You may be able to save around $140 per year simply by quoting early and online
- Increasing deductibles could save up to $400 each year
- Drivers who purchase an increased level of liability coverage will pay approximately $530 every year to increase from a minimum limit to higher 250/500 limits
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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