Land Rover Discovery Sport Car Insurance Cost 2025
On average, insuring a Land Rover Discovery Sport costs around $1,610 to $2,612 per year. However, the actual cost can vary depending on factors like your age, the car’s model year, and other personal details. Use our quote tables below to get an estimate tailored to your specific situation.
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The Land Rover Discovery Sport, a luxury compact SUV, typically incurs higher insurance premiums due to its upscale features and associated repair costs. On average, annual insurance rates for the Discovery Sport range from $1,610 to $2,612, influenced by factors such as the model year, trim level, driver profile, and location . For instance, a 2023 model may average around $1,981 annually, while a 2024 model could see rates closer to $2,612. These figures are slightly above the national average for similar vehicles, reflecting the Discovery Sport’s premium status. It’s advisable for prospective owners to obtain personalized quotes, as individual circumstances can significantly impact insurance costs.
How Much Does Land Rover Discovery Sport Car Insurance Cost?
On average, Land Rover Discovery Sport drivers can expect to pay around $1,610 to $2,612 per year for car insurance.
While the rate offered by Motorists Mutual serves as a useful reference point, it’s essential to recognize that car insurance costs can vary significantly due to various factors. These factors encompass your location, driving history, the model year of your vehicle, and the specific coverage options you select. Maintaining a clean driving record may result in lower premiums, while past accidents or traffic violations could raise your costs.
Furthermore, residing in urban areas with heavy traffic flow might lead to higher insurance rates compared to rural regions with lighter traffic volumes. Your choice of coverage will also affect your premium; comprehensive insurance, which includes both comprehensive and collision coverage, typically carries a higher cost than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from different insurance providers, ensuring that you secure the most favorable deal possible.
Average Insurance Cost Of Land Rover Discovery Sport By Model Year
| Model Year | Average Premium |
| 2025 Land Rover Discovery Sport | $2,217 |
| 2023 Land Rover Discovery Sport | $1,981 |
| 2022 Land Rover Discovery Sport | $1,953 |
| 2021 Land Rover Discovery Sport | $1,051 |
| 2020 Land Rover Discovery Sport | $1,264 |
| 2019 Land Rover Discovery Sport | $1,026 |
| 2018 Land Rover Discovery Sport | $1,272 |
| 2017 Land Rover Discovery Sport | $1,022 |
| 2016 Land Rover Discovery Sport | $844 |
| 2015 Land Rover Discovery Sport | $862 |
2025 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2023 Land Rover Discovery Sport is $2,217. However, State Farm offers the cheapest rates, averaging $1,478 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,478 |
| Geico | $2,072 |
| Progressive | $2,139 |
| Nationwide | $2,545 |
| Farmers | $3,016 |
| Allstate | $3,608 |
| Motorists Mutual | $1,606 |
| Cincinnati Insurance | $1,701 |
| Kentucky Farm Bureau | $1,945 |
| Westfield | $2,062 |
2023 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2023 Land Rover Discovery Sport is $1,981. However, Motorists Mutual offers the cheapest rates, averaging $1,606 per year.
| Insurance Provider | Average Annual Cost |
| Motorists Mutual | $1,606 |
| Cincinnati Insurance | $1,701 |
| Kentucky Farm Bureau | $1,945 |
| State Farm | $1,976 |
| Country | $1,993 |
| Westfield | $2,062 |
| Grange Mutual | $2,095 |
| Nationwide | $2,092 |
| USAA | $2,153 |
| Shelter | $2,190 |
2022 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2022 Land Rover Discovery Sport is $1,953. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,017 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,017 |
| New Jersey Manufacturers | $1,729 |
| American Family | $1,770 |
| Travelers | $1,951 |
| California Capital | $2,004 |
| USAA | $2,063 |
| 21st Century | $2,116 |
| Erie | $2,208 |
| Auto-Owners Insurance Co | $2,222 |
| Allied | $2,454 |
2021 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2021 Land Rover Discovery Sport is $1,051. However, ALFA offers the cheapest rates, averaging $755 per year.
| Insurance Provider | Average Annual Cost |
| ALFA | $755 |
| Pekin Insurance | $805 |
| Penn National | $887 |
| Texas Farm Bureau Group | $964 |
| Virginia Farm Bureau | $1,035 |
| Utica National Ins Group | $1,078 |
| Hastings Mutual Insurance Co | $1,189 |
| Country | $1,195 |
| Grange Mutual | $1,248 |
| Mutual Of Enumclaw | $1,351 |
2020 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2020 Land Rover Discovery Sport is $1,264. However, American National P offers the cheapest rates, averaging $496 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $496 |
| Capital Insurance Group | $953 |
| PEMCO | $1,140 |
| Virginia Farm Bureau | $1,172 |
| Oregon Mutual | $1,250 |
| New Jersey Manufacturers | $1,374 |
| Southern Farm Bureau | $1,434 |
| Mutual Of Enumclaw | $1,501 |
| Unigard | $1,648 |
| Texas Farm Bureau Group | $1,670 |
Find Affordable Land Rover Discovery Sport Insurance Rates
2019 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2019 Land Rover Discovery Sport is $1,264. However, Safeco offers the cheapest rates, averaging $284 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $284 |
| Pekin Insurance | $902 |
| National General Value | $988 |
| Buckeye Insurance Group | $1,109 |
| West Bend Mutual | $1,100 |
| New Jersey Manufacturers | $1,128 |
| SECURA Insurance | $1,181 |
| Titan | $1,172 |
| North Carolina Farm Bureau | $1,195 |
| Farm Bureau Mutual (IA Group) | $1,197 |
2018 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2018 Land Rover Discovery Sport is $1,272. However, American National P offers the cheapest rates, averaging $500 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $500 |
| Pekin Insurance | $1,076 |
| Clearcover | $1,261 |
| SECURA Insurance | $1,285 |
| New Jersey Manufacturers | $1,351 |
| Titan | $1,365 |
| Texas Farm Bureau Group | $1,384 |
| Hastings Mutual Insurance Co | $1,473 |
| Utica National Ins Group | $1,503 |
| Plymouth Rock Assurance | $1,525 |
2017 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2017 Land Rover Discovery Sport is $1,022. However, Safeco offers the cheapest rates, averaging $307 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $307 |
| American National P | $547 |
| PEMCO | $1,011 |
| SECURA Insurance | $1,113 |
| Capital Insurance Group | $1,203 |
| Buckeye Insurance Group | $1,208 |
| Concord Group | $1,211 |
| New Jersey Manufacturers | $1,223 |
| Virginia Farm Bureau | $1,191 |
| Farm Bureau Mutual (IA Group) | $1,209 |
2016 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2016 Land Rover Discovery Sport is $844. However, American National P offers the cheapest rates, averaging $542 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $542 |
| Mercury Insurance | $705 |
| American National P&C | $720 |
| Kemper Auto | Infinity | $760 |
| Buckeye Insurance Group | $843 |
| Clearcover | $918 |
| Indiana Farmers Mutual Ins | $946 |
| Direct Auto | $983 |
| SAFECO | $999 |
| PEMCO | $1,028 |
2015 Land Rover Discovery Sport Insurance Rates
The average annual insurance cost for a 2015 Land Rover Discovery Sport is $862. However, SafeAuto offers the cheapest rates, averaging $267 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $267 |
| American National P | $510 |
| Direct Auto | $509 |
| Country | $834 |
| Oregon Mutual | $941 |
| Mutual Of Enumclaw | $1,064 |
| American Family | $1,056 |
| Utica National Ins Group | $1,066 |
| Texas Farm Bureau Group | $1,115 |
| GMAC Insurance Group | $1,261 |
Find Affordable Land Rover Discovery Sport Insurance Rates
Are Land Rover Discovery Sports Expensive To Insure?
Insuring a Land Rover Discovery Sport tends to be more expensive than average, primarily due to its classification as a luxury SUV and its higher repair costs. On average, owners can expect to pay around $2,612 annually for insurance, which is slightly below the segment average of $2,645. However, rates can vary significantly based on factors such as driving history, location, and credit score. For instance, drivers with a clean record may find premiums as low as $1,300 per year, while those with violations or poor credit could see rates exceeding $5,000 annually. Additionally, the Discovery Sport’s susceptibility to theft in certain areas can further influence insurance costs.
Cost of Land Rover Discovery Sport Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers generally pay the highest premiums since they are more likely to be involved in accidents compared to other age groups. As you get older and gain more driving experience, your premiums typically decrease because you are seen as a lower risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,660 | $9,758 | $11,427 |
| 18 | $6,199 | $9,090 | $10,636 |
| 19 | $5,469 | $8,056 | $9,392 |
| 20 | $4,772 | $7,011 | $8,193 |
| 21 | $4,008 | $5,867 | $6,872 |
| 22 | $3,919 | $5,712 | $6,704 |
| 23 | $3,422 | $5,010 | $5,873 |
| 24 | $3,225 | $4,771 | $5,560 |
| 25 | $2,799 | $4,107 | $4,793 |
| 30 | $2,195 | $3,218 | $3,734 |
| 35 | $2,053 | $2,984 | $3,519 |
| 40 | $1,947 | $2,890 | $3,373 |
| 45 | $1,925 | $2,788 | $3,269 |
| 55 | $1,773 | $2,558 | $3,011 |
| 65 | $1,821 | $2,692 | $3,148 |
| 75 | $2,321 | $3,377 | $3,965 |
Land Rover Discovery Sport Car Insurance Rates By State
Your location plays a major role in how insurance companies determine your rates. Each state has its own auto insurance regulations, which can impact premiums. For example, drivers in Michigan tend to pay higher premiums due to the state’s requirement for higher levels of coverage. Additionally, the climate in your area matters—states prone to extreme weather, like hurricanes, storms, and flooding, may see higher insurance costs. Local crime rates, including car thefts, accidents, and vehicle fatalities, also influence rates. Insurance companies take all these factors into account when calculating your Land Rover Discovery Sport insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,092 | $3,014 | $3,860 |
| Alaska | $1,729 | $2,369 | $2,307 |
| Arizona | $1,931 | $2,824 | $4,125 |
| Arkansas | $2,131 | $3,358 | $3,675 |
| California | $2,375 | $4,196 | $2,381 |
| Colorado | $2,216 | $3,094 | $3,937 |
| Connecticut | $2,812 | $4,400 | $5,579 |
| Delaware | $2,332 | $3,108 | $3,997 |
| Florida | $2,801 | $3,865 | $5,036 |
| Hawaii | $909 | $1,241 | $892 |
| Idaho | $1,574 | $2,111 | $2,543 |
| Illinois | $1,641 | $2,511 | $2,862 |
| Indiana | $1,692 | $2,584 | $2,921 |
| Iowa | $1,340 | $1,842 | $2,166 |
| Kansas | $1,774 | $2,590 | $3,053 |
| Kentucky | $2,576 | $3,792 | $4,504 |
| Louisiana | $3,327 | $5,032 | $5,444 |
| Maine | $1,247 | $1,742 | $2,563 |
| Maryland | $2,025 | $2,964 | $3,287 |
| Massachusetts | $1,637 | $2,849 | $1,651 |
| Michigan | $3,952 | $5,976 | $9,436 |
| Minnesota | $1,631 | $2,150 | $3,029 |
| Mississippi | $1,971 | $2,799 | $2,818 |
| Missouri | $1,847 | $2,615 | $3,461 |
| Montana | $1,854 | $2,605 | $3,044 |
| Nebraska | $1,588 | $2,331 | $2,557 |
| Nevada | $2,626 | $3,857 | $4,097 |
| New Hampshire | $1,799 | $2,854 | $3,646 |
| New Jersey | $2,016 | $3,155 | $4,104 |
| New Mexico | $2,039 | $3,060 | $3,165 |
| New York | $1,913 | $2,401 | $3,980 |
| North Carolina | $1,153 | $2,004 | $1,457 |
| North Dakota | $1,600 | $2,458 | $2,888 |
| Ohio | $1,447 | $2,225 | $2,246 |
| Oklahoma | $2,266 | $3,283 | $3,677 |
| Oregon | $2,070 | $2,804 | $3,339 |
| Pennsylvania | $1,738 | $2,575 | $3,010 |
| Rhode Island | $2,917 | $4,273 | $4,821 |
| South Carolina | $1,982 | $2,757 | $3,813 |
| South Dakota | $1,794 | $2,572 | $2,972 |
| Tennessee | $2,100 | $3,070 | $4,112 |
| Texas | $2,093 | $3,049 | $3,798 |
| Utah | $1,801 | $2,496 | $3,459 |
| Vermont | $1,369 | $2,118 | $2,231 |
| Virginia | $1,319 | $2,000 | $1,943 |
| Washington | $1,707 | $2,352 | $2,813 |
| West Virginia | $1,729 | $2,466 | $3,108 |
| Wisconsin | $1,741 | $2,705 | $3,097 |
| Wyoming | $1,622 | $2,253 | $2,410 |
| Georgia | $2,260 | $3,414 | $3,449 |
Find Affordable Land Rover Discovery Sport Insurance Rates
Cheapest Car Insurance Companies For A Land Rover Discovery Sport
Among these providers, Safeco offers the lowest monthly premium at $33, making it an attractive option for cost-conscious drivers. On the other end, State Farm presents the highest rate in this selection at $44 per month. The other companies—USAA, Auto-Owners, and AAA—offer rates that fall between these two, providing a range of choices depending on individual preferences and eligibility. It’s important to note that actual premiums can vary based on factors such as driving history, location, and coverage options. Therefore, it’s advisable to obtain personalized quotes from these insurers to determine the best fit for your specific needs.
| Insurance Company | Monthly Premium |
|---|---|
| USAA | $36 |
| Auto-Owners | $42 |
| AAA | $38 |
| Safeco | $33 |
| State Farm | $44 |
Common Land Rover Discovery Sport Insurance Discounts
Discounts can help reduce your car insurance costs, and many providers offer different options. Some common discounts you may qualify for include:
- Multi-policy: Bundling your home and auto insurance with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in full rather than monthly can sometimes lower your overall cost.
- Defensive driving: Completing a certified defensive driving course can make you eligible for savings.
There may be other discounts available, so it’s a good idea to speak with your insurance agent to find out which ones you qualify for.
Compare Land Rover Discovery Sport To Other Land Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, the actual rates may vary from your own results based on your personal circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Land Rover Discovery Sport?
Yes, you’ll need to show proof of insurance before driving your Land Rover Discovery Sport off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming purchase, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Land Rover Discovery Sport?
The best way to find the lowest insurance rates for your Land Rover Discovery Sport is by shopping around and comparing quotes from various auto insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website.
