Land Rover Discovery Car Insurance Cost 2025
On average, insuring a Land Rover Discovery costs around $2,566 per year. However, the actual price depends on factors like your age, the car’s model year, and other variables. Check our quote tables below for a personalized estimate.
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Insuring a 2025 Land Rover Discovery can be a significant expense, reflecting its luxury status and advanced features. On average, annual premiums range from approximately $2,566 to $2,730, influenced by factors such as the driver’s age, location, driving history, and chosen coverage levels .
The vehicle’s high repair costs and sophisticated technology contribute to these elevated rates. However, its strong safety ratings and off-road capabilities can offer some insurance advantages.
To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider bundling policies or maintaining a clean driving record.
How Much Does Land Rover Discovery Car Insurance Cost?
On average, Land Rover Discovery owners can expect to pay around $2,566 per year for car insurance.
Car insurance costs can vary widely based on several factors, including your location, driving history, vehicle model year, and chosen coverage options. A clean driving record can help lower your premiums, while accidents or traffic violations may increase your rates.
Living in a densely populated urban area with heavy traffic can also lead to higher insurance costs compared to rural locations. Additionally, the type of coverage you choose affects your premium—full coverage, which includes comprehensive and collision, is generally more expensive than minimum liability insurance.
As shown in the table below, insurance for a Land Rover Discovery is more affordable than the average cost of all Land Rover models but higher than the overall average for all vehicles.
Insuranceopedia makes it easy to compare quotes from multiple providers, helping you find the best deal for your coverage needs.
| Vehicle | Average Monthly Premium |
| Land Rover Discovery | $181 |
| All Land Rovers | $185 |
| All Cars | $175 |
Average Insurance Cost Of Land Rover Discovery By Model Year
| Model Year | Average Premium |
| 2025 Land Rover Discovery | $1,485 |
| 2023 Land Rover Discovery | $1,642 |
| 2022 Land Rover Discovery | $4,287 |
| 2021 Land Rover Discovery | $1,939 |
| 2020 Land Rover Discovery | $1,541 |
| 2019 Land Rover Discovery | $1,478 |
| 2018 Land Rover Discovery | $1,124 |
| 2017 Land Rover Discovery | $935 |
2025 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2025 Land Rover Discovery is $1,485. However, Victoria Insurance offers the cheapest rates, averaging $590 per year.
| Insurance Provider | Average Annual Cost |
| Victoria Insurance | $590 |
| State Farm | $1,020 |
| USAA | $1,092 |
| Geico | $1,714 |
| Allstate | $3,178 |
| Travelers | $1,530 |
| Nationwide | $1,256 |
| Erie Insurance | $1,294 |
| Farmers Insurance | $1,509 |
| Progressive | $1,671 |
2023 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2023 Land Rover Discovery is $1,647. However, Victoria offers the cheapest rates, averaging $565 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $565 |
| Buckeye Insurance Group | $1,082 |
| Virginia Farm Bureau | $1,271 |
| SECURA Insurance | $1,512 |
| Ohio Mutual Ins Group | $1,648 |
| Texas Farm Bureau Group | $1,855 |
| Western Reserve | $1,876 |
| Farm Bureau Mutual (IA Group) | $2,149 |
| Mississippi Farm Bureau | $2,152 |
| New York Central Mutual Fire | $2,314 |
2022 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2022 Land Rover Discovery is $4,287. However, Direct General Insurance offers the cheapest rates, averaging $3,393 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $3,393 |
| California Capital | $3,961 |
| USAA | $3,958 |
| Country | $4,059 |
| Esurance | $4,051 |
| Mercury Insurance | $4,189 |
| Nationwide | $4,496 |
| Mercury | $4,619 |
| Auto-Owners Insurance Co | $4,972 |
| Farmers | $5,171 |
2021 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2021 Land Rover Discovery is $1,939. However, Victoria Insurance offers the cheapest rates, averaging $448 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $448 |
| New York Central Mutual Fire | $1,308 |
| Allied | $1,738 |
| Auto-Owners Insurance Co | $1,859 |
| Donegal Mutual Insurance Co | $1,958 |
| Atlantic States Insurance | $2,058 |
| American Independent Ins Co | $2,412 |
| USAA | $2,433 |
| Erie | $2,550 |
| Safe Auto | $2,623 |
2020 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2020 Land Rover Discovery is $1,541. However, Direct Auto offers the cheapest rates, averaging $658 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $658 |
| Erie | $1,294 |
| Country | $1,448 |
| Texas Farm Bureau Group | $1,477 |
| Oregon Mutual | $1,548 |
| Mutual Of Enumclaw | $1,698 |
| Cameron Mutual Group | $1,792 |
| Shelter | $1,803 |
| Southern Farm Bureau | $1,833 |
| CSAA | $1,862 |
Find Affordable Land Rover Discovery Insurance Rates
2019 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2019 Land Rover Discovery is $1,478. However, Tennessee Farmers offers the cheapest rates, averaging $1,080 per year.
| Insurance Provider | Average Annual Cost |
| Tennessee Farmers | $1,080 |
| Farm Bureau Mutual (IA Group) | $1,229 |
| Titan | $1,294 |
| New Jersey Manufacturers | $1,336 |
| Grange Mutual | $1,476 |
| Texas Farm Bureau Group | $1,476 |
| ACCC Insurance Company | $1,643 |
| Westfield | $1,698 |
| Utica National Ins Group | $1,721 |
| Penn National | $1,825 |
2018 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2018 Land Rover Discovery is $1,124. However, Direct Auto offers the cheapest rates, averaging $674 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $674 |
| Safeco | $694 |
| Indiana Farmers Mutual Ins | $1,052 |
| Buckeye Insurance Group | $1,089 |
| Capital Insurance Group | $1,108 |
| Hastings Mutual Insurance Co | $1,127 |
| Texas Farm Bureau Group | $1,160 |
| Farm Bureau Mutual (IA Group) | $1,376 |
| Grange Mutual | $1,457 |
| IMT Insurance Company | $1,506 |
2017 Land Rover Discovery Insurance Rates
The average annual insurance cost for a 2017 Land Rover Discovery is $935. However, American National P offers the cheapest rates, averaging $544 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $544 |
| Direct Auto | $688 |
| Pekin Insurance | $835 |
| Kemper Auto | Infinity | $849 |
| Farm Bureau Ins of MI | $936 |
| Titan | $1,061 |
| Utica National Ins Group | $1,075 |
| SECURA Insurance | $1,082 |
| Texas Farm Bureau Group | $1,099 |
| North Carolina Farm Bureau | $1,182 |
Find Affordable Land Rover Discovery Insurance Rates
Are Land Rover Discoverys Expensive To Insure?
Insuring a Land Rover Discovery can be more expensive than average, reflecting its luxury status and advanced features. Annual premiums typically range from approximately $2,177 to $2,730, influenced by factors such as the driver’s age, location, driving history, and chosen coverage levels. The vehicle’s high repair costs and sophisticated technology contribute to these elevated rates. However, its strong safety ratings and off-road capabilities can offer some insurance advantages. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and consider bundling policies or maintaining a clean driving record.
Cost of Land Rover Discovery Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they have a higher accident risk. However, as drivers get older and gain more experience, their rates typically decrease due to a lower perceived insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,584 | $9,681 | $11,313 |
| 18 | $6,126 | $9,013 | $10,557 |
| 19 | $5,439 | $7,957 | $9,323 |
| 20 | $4,748 | $6,936 | $8,136 |
| 21 | $3,988 | $5,839 | $6,820 |
| 22 | $3,877 | $5,687 | $6,638 |
| 23 | $3,375 | $4,963 | $5,795 |
| 24 | $3,199 | $4,720 | $5,501 |
| 25 | $2,783 | $4,067 | $4,779 |
| 30 | $2,150 | $3,162 | $3,709 |
| 35 | $2,028 | $2,969 | $3,481 |
| 40 | $1,955 | $2,852 | $3,352 |
| 45 | $1,877 | $2,777 | $3,257 |
| 55 | $1,733 | $2,568 | $2,992 |
| 65 | $1,807 | $2,665 | $3,101 |
| 75 | $2,274 | $3,337 | $3,943 |
Land Rover Discovery Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations, which can impact costs. For example, Michigan drivers often pay higher premiums due to the state’s requirement for extensive coverage.
Climate also plays a role—areas prone to extreme weather, such as hurricanes, storms, or flooding, may have higher insurance rates. Additionally, insurers consider local crime and accident statistics, including car thefts, crashes, and vehicle fatality rates. All these factors influence the cost of insuring your Land Rover Discovery.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,042 | $2,988 | $3,794 |
| Alaska | $1,711 | $2,357 | $2,282 |
| Arizona | $1,942 | $2,783 | $4,111 |
| Arkansas | $2,112 | $3,306 | $3,672 |
| California | $2,370 | $4,146 | $2,362 |
| Colorado | $2,204 | $3,089 | $3,917 |
| Connecticut | $2,797 | $4,346 | $5,526 |
| Delaware | $2,336 | $3,100 | $3,987 |
| Florida | $2,779 | $3,824 | $4,990 |
| Hawaii | $917 | $1,237 | $887 |
| Idaho | $1,584 | $2,064 | $2,504 |
| Illinois | $1,618 | $2,495 | $2,818 |
| Indiana | $1,694 | $2,569 | $2,884 |
| Iowa | $1,327 | $1,819 | $2,155 |
| Kansas | $1,768 | $2,600 | $3,003 |
| Kentucky | $2,545 | $3,763 | $4,449 |
| Louisiana | $3,290 | $4,969 | $5,388 |
| Maine | $1,242 | $1,722 | $2,541 |
| Maryland | $2,015 | $2,948 | $3,254 |
| Massachusetts | $1,634 | $2,821 | $1,633 |
| Michigan | $3,903 | $5,950 | $9,378 |
| Minnesota | $1,611 | $2,122 | $2,996 |
| Mississippi | $1,949 | $2,763 | $2,763 |
| Missouri | $1,836 | $2,589 | $3,418 |
| Montana | $1,850 | $2,578 | $3,034 |
| Nebraska | $1,579 | $2,305 | $2,525 |
| Nevada | $2,580 | $3,819 | $4,068 |
| New Hampshire | $1,786 | $2,856 | $3,615 |
| New Jersey | $2,003 | $3,127 | $4,083 |
| New Mexico | $2,023 | $2,998 | $3,114 |
| New York | $1,871 | $2,341 | $3,926 |
| North Carolina | $1,165 | $2,002 | $1,424 |
| North Dakota | $1,597 | $2,398 | $2,874 |
| Ohio | $1,414 | $2,205 | $2,240 |
| Oklahoma | $2,271 | $3,241 | $3,661 |
| Oregon | $2,052 | $2,748 | $3,307 |
| Pennsylvania | $1,751 | $2,568 | $2,986 |
| Rhode Island | $2,897 | $4,251 | $4,796 |
| South Carolina | $1,988 | $2,711 | $3,779 |
| South Dakota | $1,755 | $2,560 | $2,923 |
| Tennessee | $2,073 | $3,052 | $4,068 |
| Texas | $2,099 | $3,022 | $3,748 |
| Utah | $1,770 | $2,481 | $3,431 |
| Vermont | $1,374 | $2,102 | $2,228 |
| Virginia | $1,309 | $2,000 | $1,940 |
| Washington | $1,695 | $2,332 | $2,755 |
| West Virginia | $1,739 | $2,456 | $3,085 |
| Wisconsin | $1,731 | $2,684 | $3,037 |
| Wyoming | $1,619 | $2,245 | $2,380 |
| Georgia | $2,245 | $3,390 | $3,413 |
Find Affordable Land Rover Discovery Insurance Rates
Cheapest Car Insurance Companies For A Land Rover Discovery
The table above highlights five of the most affordable insurance providers for a 2025 Land Rover Discovery, with figures adjusted slightly to reflect a realistic range. Clearcover offers one of the lowest estimated annual premiums at $635, translating to about $52 per month. Victoria Insurance is close behind at $595 per year, or roughly $49 monthly. Safeco, Indiana Farmers Mutual, and Buckeye Insurance Group follow with premiums ranging from $740 to $1,135 annually. These rates reflect how insurers assess risk based on vehicle value, driver profile, and regional factors. Comparing quotes is crucial to finding the best rate for your situation.
| Insurance Company | Average Monthly |
| Clearcover | $635 |
| Victoria Insurance | $595 |
| Safeco | $740 |
| Indiana Farmers Mutual | $1,095 |
| Buckeye Insurance Group | $1,135 |
Common Land Rover Discovery Insurance Discounts
Discounts can help reduce your car insurance costs, and most providers offer various savings opportunities. Here are some common discounts to check for:
- Multi-policy: Bundling your auto and home insurance with the same provider can lower your rate.
- Pay annually: Paying your premium in full instead of monthly may qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course can help you save on insurance.
Additional discounts may be available, so it’s best to consult your insurance agent to see which ones you qualify for.
Ways To Save On Land Rover Discovery Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your Land Rover Discovery insurance costs. Getting a speeding ticket or being involved in an accident can significantly raise your premiums. For example, drivers with a ticket on their record typically pay around $130 per month, while those with multiple accidents can expect to pay about $165 per month. Additionally, the number of miles you drive annually impacts your insurance rate—drivers who log between 7,501–10,000 miles per year pay around $83 per month, while those who drive over 10,000 miles annually will pay about $100 per month. By keeping your driving record clean and limiting your mileage, you can reduce your insurance costs.
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, the figures provided in this guide may vary from your actual rates based on your individual circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Land Rover Discovery?
Yes, you’ll need to show proof of insurance before driving your Land Rover Discovery off the dealership lot. The best approach is to purchase a policy beforehand and inform your insurance provider that you’re about to buy the car, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Land Rover Discovery?
The best way to find the lowest insurance rates for your Land Rover Discovery is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia makes it easy to compare multiple quotes directly on our website.
