Land Rover Discovery Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Land Rover Discovery costs more than most other SUVs to insure.
• Liability only insurance rates for a Discovery average about $86 monthly, while full coverage normally averages around $180 per month.
• NationalGeneral offers the most affordable average rates for a Discovery with liability only coverage offered for as cheap as $36 a month.

Discovery Overview

The Land Rover Discovery is a great choice for a mid-level SUV, with 2021 models coming in with a base MSRP of $41,900. With five different trim levels currently available, there's an option for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that average Land Rover Discovery insurance prices run about $167 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Land Rover Discovery?

If you look at the table above, you'll find that when you compare the Land Rover Discovery to other vehicles, insurance premiums are right around average. Discovery owners generally pay about $86 monthly for liability insurance, and around $180 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other Land Rover models, the Discovery's insurance premium is in line with the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, car insurance for a Discovery is similarly on the expensive side, with liability only insurance prices coming in about 7% more and 19% more for full coverage.

When compared to all vehicles, regardless of body style, make, or model, insurance rates for both liability only and full coverage policies run higher than average.

Who has the Cheapest Car Insurance for a Land Rover Discovery?

If you're searching for a new auto insurance policy for your Land Rover Discovery, you may be wondering which company offers the cheapest premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $33 per month from Mile Auto. With car insurance as little as just $36 a month, NationalGeneral is the next lowest car insurance carrier.

Gainsco, Clearcover, and MetroMile finish off the rest of the top 5. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, your results might be different, since auto insurance carriers look at a range of variables when calculating rates. By reviewing quotes from a multitude of insurance companies at once, you can be sure you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Land Rover Discovery?

As we mentioned above, there are several things that car insurance carriers look at to decide how much they charge you -- and each company weighs certain factors more than others, so there's not just one carrier that's the lowest for everyone.

Below are just a few of the factors auto insurance companies look at and how each one affects your final rate:

Vehicle Age

Land Rover has been making the Discovery for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Discoverys begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Land Rover Discovery is an outlier, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 4 to 5 years old, on average.

Your Age

Age is another factor that plays a role in how much you pay for insurance. As you can see above, younger drivers pay more compared to drivers with more experience on the road. In this case, drivers aged 18 to 24 pay $75 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Discovery.

Your Gender

You may not know, but men usually pay more for auto insurance than women do. This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim. When it comes to Discovery drivers specifically, women pay around 2% less than men monthly for insurance.

Where You Live

You may already know that things such as what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live is just as important? Since car insurance is regulated on a state-by-state basis, rates can fluctuate quite a bit from state to state.

For example, the average Land Rover Discovery driver in New York pays about $376 per month for liability coverage, while the same owner from California will pay only a fifth of that price, on average. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

Land Rover Discovery Car Insurance Discounts

Whatever what vehicle you drive, how old you are, or where you live, using as many discounts as possible when it comes to your auto insurance policy is always important.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same company
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments
• Multi-vehicle discounts for having more than one car on your auto policy

While these are just a few of the discounts car insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Often, the best way to get great rates is to work on your overall insurance profile.

Even though you can't control every variable auto insurance companies take a look at to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the variables you can use to your favor when it comes to saving money:

Your Driving Record

You've probably heard ads from car insurance carriers offering hefty discounts for safe drivers. It makes sense that if you get into a collision or get a speeding ticket, insurance prices will go higher. But exactly how much is it going to cost you for these infractions?

Based on the table above, accidents will usually cost Discovery drivers less than tickets, but both will result in higher than normal rates. Land Rover Discovery drivers with a single accident on their record pay an average of $112 per month (up $26 from the $86/mo. overall average), while drivers with one ticket will pay about $129 monthly. Those with more than one of either violation will end up paying even more.

How Much You Drive

Another factor that plays a big role in your car insurance rates is how much you drive each year. Those who are on the roads less are less likely to get speeding tickets, so they'll typically get cheaper prices. Based on the table above, you can see that Land Rover Discovery owners who drive 10,000 miles or more pay $99 for auto insurance, while those who drive fewer than 2,500 miles a year pay about $69 a month.

But if you don't drive much because you work from home or have a second vehicle, it may be worth reviewing pay-per-mile or usage-based insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Land Rover Discoverys Compare to Other Vehicles?

If you're thinking about buying a new SUV and a Land Rover Discovery is on your shortlist, you might want to know how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering.

Visit the table below to see how the Land Rover Discovery compares:

Overall, the Land Rover Discovery has an MSRP that's on par with the going rate for a new vehicle. The Discovery's $46,296 base MSRP is right on trend with the national average of $41,900.

But while the purchase price runs about average, car insurance premiums run slightly above average when compared to the rest of the vehicle market. Liability insurance for a Land Rover Discovery is around $9 per month more than average, while full coverage is $1 more monthly.

When it comes to usage, Land Rover Discovery drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the Discovery's 9,715 each year.

Land Rover Discovery Car Insurance Costs by Model Year

You've seen how different factors can affect how much the average driver pays to insure a Land Rover Discovery. But if you're in thinking about buying a new car, truck, or SUV and the Discovery is on your wishlist, knowing how much your vehicle will likely cost can be extremely valuable as you weigh your choices.

2021 Land Rover Discovery Car Insurance

2021 Land Rover Discovery drivers can expect to pay an average of $90 a month for liability or $170 for full coverage.

With premiums as little as $51 per month, Kemper offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2020 Land Rover Discovery Car Insurance

It costs about $67 a month for liability or $188 for a full coverage policy for the 2020 Discovery.

DirectGeneral has rates sometimes as low as $39 per month for the 2020 Land Rover Discovery.

Want something more accurate than national averages? Just enter your ZIP code below to get several free customized quotes.

2019 Land Rover Discovery Car Insurance

You can expect full coverage for a 2019 Land Rover Discovery to run around $183 monthly, while liability only coverage will average about $72 a month.

If you're looking for the most affordable 2019 Land Rover Discovery insurance policy, MetroMile offered the lowest policy we found, with rates as low as $44 monthly.

If you want to find the best prices for auto insurance for a 2019 Land Rover Discovery, enter your ZIP code below and compare quite a few personalized quotes in just a few minutes.

2018 Land Rover Discovery Car Insurance

On average, drivers who own a 2018 Discovery can expect to pay $73 to $184 per month for liability only and full coverage insurance, respectively.

Hugo offered the most affordable policy we found, with rates sometimes as little as $20 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2017 Land Rover Discovery Car Insurance

The average cost to insure a 2017 Land Rover Discovery with liability only coverage is $80 per month, while full coverage runs around $201 a month.

Looking for the cheapest policy? Mile Auto offered liability only coverage for sometimes as cheap as $22 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2016 Land Rover Discovery Car Insurance

2016 Discovery drivers can expect to pay an average of $120 per month for liability or $173 for full coverage.

With premiums as low as just $26 a month, Liberty Mutual offered the most affordable policy we found for the 2016 Land Rover Discovery.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get lots of personalized quotes for free.

2015 Land Rover Discovery Car Insurance

It costs about $103 per month for liability or $174 for a full coverage policy for the 2015 Land Rover Discovery.

We found Shelter Mutual offered the cheapest policy, with rates as cheap as just $40 monthly.

While these are good estimates of what the average driver might pay to insure a 2015 Land Rover Discovery, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

Land Rover Discovery Insurance FAQs

Is a Land Rover Discovery expensive to insure?

Compared to the national average of all SUVs, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $86 a month, while full coverage will cost you around $180.

How can I get the best price on car insurance for my Land Rover Discovery?

There's only one way to be confident you're getting the lowest rates -- checking prices regularly and comparing quotes from multiple companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a wide array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Land Rover Discovery affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. Although there are many things auto insurance companies use when they calculate your prices, the color of your car is not factored into that decision.

Do I need to have insurance before I buy a Land Rover Discovery?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships will offer you a car insurance policy as part of the buying process, but the easiest thing to do is to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Land Rover Discovery?

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the Land Rover Discovery you drive, but if your Discovery has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about which discounts they offer.