Land Rover LR4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $244
Collision $342
Liability $478

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.

Liability Only $526
Full Coverage $1,222
High Risk $2,630

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.

Rural Areas $917
Small Cities $1,283
Large Cities $1,650

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

View Chart as Image

Land Rover LR4 insurance cost comparison chart
Column chart showing full coverage Land Rover LR4 insurance prices range from $725 to $4,716

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.

Land Rover LR4 Insurance Rates by State
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%

View Chart as Image

Land Rover LR4 insurance rates by U.S. city

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

Land Rover LR4 Insurance Rates by Model and Trim Level
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.

Land Rover LR4 Insurance Rates by Model Year
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

Rates by Driver Age

Land Rover LR4 Insurance 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

Land Rover LR4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,362
$500 $1,222
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Land Rover LR4 Insurance Rates with Different Liability Limits
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

Land Rover LR4 Insurance 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.

SR-22 Surcharge $165

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
Rate after discounts $725

Discounts are estimated and may not be available from every company or in every state.

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