Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Land Rover Discovery Sport? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Land Rover Discovery Sport car insurance facts

  • Average full coverage auto insurance premium: $160/month

  • Most affordable companies: Erie Insurance ($133/month) & GEICO ($135/month)

  • Discovery Sport car insurance cost vs. average rates: $22 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Land Rover Discovery Sport by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Land Rover Discovery Sport insurer costs by state:

Risk factors affecting Land Rover Discovery Sport insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Land Rover Discovery Sport car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Land Rover models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Land Rover luxury brand

Land Rover is a British multinational luxury automaker specializing in four-wheel drive, off-road vehicles, and luxury sport utility cars (SUVs) for the United States market. The target market of Land Rover is an upper-class social group such as professionals and executives. Land Rover automobiles have 5-star safety ratings from Euro NCAP. Currently, there aren’t “Top Safety Picks” or 5-star safety and crash test ratings for Land Rover cars from the National Highway Traffic Safety Administration (NHTSA) or Insurance Institute for Highway Safety (IIHS) in the United States.

High Land Rover Discovery Sport repair costs equal high coverage rates

Many upper-class consumers are attracted to Land Rover for “out of the box” off-road capability, ease of maintenance, adventure, and driver-assist technologies, like Land Rover’s Drive Pro Pack or Drive Pack. Automotive parts are not common and 223 to 414% more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Land Rover is higher than average since repair parts cost more. For this reason, many Land Rover’s are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Land Rover Discovery Sport affecting auto policies

Another factor to consider for Land Rover is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Land Rover models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

No Land Rover IIHS and NHTSA safety ratings increasing car insurance rates for drivers

Land Rovers are known for their safety ratings and safety features conducted by EURO NCAP and driver-assist technologies such as forward collision warning with active braking technology. Lack of safety ratings and “Top Safety Pick” from the Insurance Institute for Highway Safety (IIHS) and NHTSA leads to higher than average car insurance rates for Land Rover drivers. With a good driving record, you can get lower than average car insurance rates by 15 to 20%. With Land Rover’s passive restraints and safety features, you can lower your car insurance costs by an additional 10% with driver discounts available with major auto insurance companies.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Land Rover automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2458
Acuity$2644
Allied$2052
Allstate$2167
American Family$2076
Country Financial$2249
Erie$1615
GEICO$1739
Kentucky Farm Bureau$2251
Liberty Mutual$1968
Mercury$1994
Nationwide$1864
Progressive$1898
State Farm$1819
Tennessee Farmers$2095
Texas Farm Bureau$2148
The Hanover$2315
Travelers$2194

Compare all 2021 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$1869

List Price

$41900

Trims Available

SE - HSE - HSE Luxury - Base engine: 246-horsepower turbocharged four-cylinder engine with Land Rover Driver Assist Pack (driver assist technologies) - Blind Spot Monitor with Closing Vehicle Sensing, Adaptive Speed Limiter, Driver Condition Monitor, and Traffic Sign Recognition Lane Departure Warning, Front and Rear Parking Aid, Adaptive Cruise Control, and Autonomous and Intelligent Emergency Braking, Voice recognition, Hill descent control, and standard and passive safety features: Anti-lock brakes, Stability control, Airbags, Pretensioners, and Anti-whiplash seats.

2020 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2349
Allied$1833
Allstate$2057
American Family$1926
Country Financial$2132
Erie$1523
GEICO$1648
Kentucky Farm Bureau$2199
Liberty Mutual$1789
Mercury$1790
Nationwide$1778
State Farm$1750
Tennessee Farmers$1949
Texas Farm Bureau$2043
The Hanover$2247
Travelers$2098

Compare all 2020 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$1752

List Price

$37800

Trims Available

SE - HSE - HSE Luxury - Base engine: 246-horsepower turbocharged four-cylinder engine with Land Rover Driver Assist Pack (driver assist technologies) - Blind Spot Monitor with Closing Vehicle Sensing, Adaptive Speed Limiter, Driver Condition Monitor, and Traffic Sign Recognition Lane Departure Warning, Front and Rear Parking Aid, Adaptive Cruise Control, and Autonomous and Intelligent Emergency Braking, Voice recognition, Hill descent control, and standard and passive safety features: Anti-lock brakes, Stability control, Airbags, Pretensioners, and Anti-whiplash seats.

2019 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2215
Allied$1726
Allstate$1997
American Family$1890
Country Financial$2068
Erie$1461
GEICO$1490
Kentucky Farm Bureau$2169
Liberty Mutual$1627
Mercury$1684
Nationwide$1570
State Farm$1542
Tennessee Farmers$1941
Texas Farm Bureau$1964
The Hanover$2170
Travelers$2034

Compare all 2019 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$1687

List Price

$37990

Trims Available

SE - HSE - HSE Luxury - Base engine: 246-horsepower turbocharged four-cylinder engine with Land Rover Driver Assist Pack (driver assist technologies) - Blind Spot Monitor with Closing Vehicle Sensing, Adaptive Speed Limiter, Driver Condition Monitor, and Traffic Sign Recognition Lane Departure Warning, Front and Rear Parking Aid, Adaptive Cruise Control, and Autonomous and Intelligent Emergency Braking, Voice recognition, Hill descent control, and standard and passive safety features: Anti-lock brakes, Stability control, Airbags, Pretensioners, and Anti-whiplash seats.

2018 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2169
Allied$1689
Allstate$1934
American Family$1724
Country Financial$2019
Erie$1432
GEICO$1465
Kentucky Farm Bureau$2035
Liberty Mutual$1597
Mercury$1652
Nationwide$1560
State Farm$1523
Tennessee Farmers$1786
Texas Farm Bureau$1853
The Hanover$2087
Travelers$2016

Compare all 2018 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$1543

List Price

$37795

Trims Available

SE - HSE - HSE Luxury - Base engine: 246-horsepower turbocharged four-cylinder engine with Land Rover Driver Assist Pack (driver assist technologies) - Blind Spot Monitor with Closing Vehicle Sensing, Adaptive Speed Limiter, Driver Condition Monitor, and Traffic Sign Recognition Lane Departure Warning, Front and Rear Parking Aid, Adaptive Cruise Control, and Autonomous and Intelligent Emergency Braking, Voice recognition, Hill descent control, and standard and passive safety features: Anti-lock brakes, Stability control, Airbags, Pretensioners, and Anti-whiplash seats.

2017 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1283
Acuity$ 1283
Allied$ 1188
Allied$ 1188
Arbella$ 1388
Arbella$ 1388
Country$ 1350
Country$ 1350
Erie$ 1257
Erie$ 1257
GEICO$ 1493
GEICO$ 1493
Mercury$ 1373
Mercury$ 1373
Nationwide$ 1346
Nationwide$ 1346
Tennessee Farmers$ 1136
Tennessee Farmers$ 1136
Texas Farm Bureau$ 1007
Texas Farm Bureau$ 1007
USAA$ 1276
USAA$ 1276
Vermont Mutual$ 1201
Vermont Mutual$ 1201

Compare all 2017 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$ 1198

List Price

$ 37695

Trims Available

SE - HSE - HSE Luxury

2016 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1290
Acuity$ 1290
Allied$ 1255
Allied$ 1255
Arbella$ 1394
Arbella$ 1394
Country$ 1362
Country$ 1362
Erie$ 1249
Erie$ 1249
GEICO$ 1438
GEICO$ 1438
Mercury$ 1353
Mercury$ 1353
Nationwide$ 1360
Nationwide$ 1360
Tennessee Farmers$ 1147
Tennessee Farmers$ 1147
Texas Farm Bureau$ 989
Texas Farm Bureau$ 989
USAA$ 1232
USAA$ 1232
Vermont Mutual$ 1220
Vermont Mutual$ 1220

Compare all 2016 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$ 1360

List Price

$ 37455

Trims Available

SE - HSE - HSE LUX

2015 Land Rover Discovery Sport

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1264
Acuity$ 1264
Allied$ 1261
Allied$ 1261
Arbella$ 1422
Arbella$ 1422
Country$ 1354
Country$ 1354
Erie$ 1197
Erie$ 1197
GEICO$ 1395
GEICO$ 1395
Mercury$ 1337
Mercury$ 1337
Nationwide$ 1376
Nationwide$ 1376
Tennessee Farmers$ 1156
Tennessee Farmers$ 1156
Texas Farm Bureau$ 1012
Texas Farm Bureau$ 1012
USAA$ 1113
USAA$ 1113
Vermont Mutual$ 1192
Vermont Mutual$ 1192

Compare all 2015 Land Rover Discovery Sport rates

Average Cost to Insure Per Year

$ 1333

List Price

$ 37070

Trims Available

SE - HSE - HSE LUX