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? 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. 

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 insurer costs by state:

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.

2021 Land Rover Discovery

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2740
Acuity$2918
Allied$2326
Allstate$2511
American Family$2319
Country Financial$2648
Erie$1854
GEICO$2288
Kentucky Farm Bureau$2657
Liberty Mutual$2223
Mercury$1935
Nationwide$2129
Progressive$2167
State Farm$2045
Tennessee Farmers$2430
Texas Farm Bureau$2465
The Hanover$2691
Travelers$2564

Compare all 2021 Land Rover Discovery rates

Average Cost to Insure Per Year

$2485

List Price

$53900

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2595
Allied$2263
Allstate$2390
American Family$2294
Country Financial$2465
Erie$1788
GEICO$2189
Kentucky Farm Bureau$2530
Liberty Mutual$2156
Mercury$1835
Nationwide$2041
State Farm$1964
Tennessee Farmers$2345
Texas Farm Bureau$2361
The Hanover$2533
Travelers$2412

Compare all 2020 Land Rover Discovery rates

Average Cost to Insure Per Year

$2365

List Price

$52300

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2528
Allied$2026
Allstate$2257
American Family$2089
Country Financial$2368
Erie$1685
GEICO$1988
Kentucky Farm Bureau$2419
Liberty Mutual$1924
Mercury$1723
Nationwide$1836
State Farm$1797
Tennessee Farmers$2161
Texas Farm Bureau$2213
The Hanover$2420
Travelers$2349

Compare all 2019 Land Rover Discovery rates

Average Cost to Insure Per Year

$2274

List Price

$52950

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2347
Allied$1896
Allstate$2147
American Family$1951
Country Financial$2236
Erie$1632
GEICO$1864
Kentucky Farm Bureau$2247
Liberty Mutual$1813
Mercury$1687
Nationwide$1762
State Farm$1742
Tennessee Farmers$2013
Texas Farm Bureau$2053
The Hanover$2269
Travelers$2184

Compare all 2018 Land Rover Discovery rates

Average Cost to Insure Per Year

$2136

List Price

$52090

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

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 777
Allied$ 777
American Family$ 1014
American Family$ 1014
Erie$ 749
Erie$ 749
Farmers$ 1004
Farmers$ 1004
GEICO$ 708
GEICO$ 708
Nationwide$ 837
Nationwide$ 837
Progressive$ 388
Progressive$ 388
Safeco$ 919
Safeco$ 919
State Farm$ 554
State Farm$ 554
Texas Farm Bureau$ 800
Texas Farm Bureau$ 800
USAA$ 657
USAA$ 657
Vermont Mutual$ 884
Vermont Mutual$ 884

Compare all 2017 Land Rover Discovery rates

Average Cost to Insure Per Year

$ 757

List Price

$ 49990

Trims Available

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