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Land Rover Discovery Car Insurance Cost

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Are you looking for a new or used Land Rover Discovery? 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 car insurance facts

  • Average full coverage auto insurance premium: $208/month

  • Most affordable companies: Erie Insurance ($154/month) & Mercury ($161/month)

  • Discovery car insurance cost vs. average rates: $114 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 by model year and auto insurer.

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

Below average Land Rover Discovery insurer costs by state:

How much does it cost to insure my Land Rover Discovery?

Select the year of your car:

2021 Land Rover Discovery

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Average Cost to Insure Per Year

$2,485

List Price

$53,900

Trims Available

SE - HSE - HSE Td6 - HSE Luxury - HSE Luxury Td6 - First Edition - Base engine: 340-horsepower 3.0-liter V6 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

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Average Cost to Insure Per Year

$2,365

List Price

$52,300

Trims Available

SE - HSE - HSE Td6 - HSE Luxury - HSE Luxury Td6 - First Edition - Base engine: 340-horsepower 3.0-liter V6 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

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Average Cost to Insure Per Year

$2,274

List Price

$52,950

Trims Available

SE - HSE - HSE Td6 - HSE Luxury - HSE Luxury Td6 - First Edition - Base engine: 340-horsepower 3.0-liter V6 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

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Average Cost to Insure Per Year

$2,136

List Price

$52,090

Trims Available

SE - HSE - HSE Td6 - HSE Luxury - HSE Luxury Td6 - First Edition - Base engine: 340-horsepower 3.0-liter V6 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

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Average Cost to Insure Per Year

$757

List Price

$49,990

Trims Available

SE - HSE - HSE Td6 - HSE Luxury - HSE Luxury Td6 - First Edition

Risk factors affecting Land Rover Discovery 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 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 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 Toyota, Honda, 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 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 insurance rates by 15 to 20%. With Land Rover's passive restraints and safety features, you can lower your insurance costs by an additional 10% with driver discounts available with major auto insurance companies.

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

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

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