Land Rover LR4 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Land Rover LR4 is more expensive to insure compared to the average SUV.
• Full coverage auto insurance for a LR4 comes in at about $163 per month, on average, while liability only insurance usually runs around $79.
• The lowest insurance carrier for a LR4 is NationalGeneral, who offers liability only coverage for as cheap as $41 monthly, on average.

LR4 Overview

The Land Rover LR4 is a high-end SUV on the more expensive end of the spectrum, with 2016 models starting at $50,900. There are three different trim levels currently available, so every driver can find an option to match their style.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Land Rover LR4 auto insurance rates are about $146 a month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Land Rover LR4?

In the table above, you'll see that Land Rover LR4 insurance premiums are right around average compared to other vehicles on the road. On average, LR4 drivers will pay about $163 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the LR4 is more affordable, with prices around 11% lower than Land Rover's other vehicle offerings. But compared to other vehicles of a similar body style, LR4 coverage runs close to average, with full coverage insurance rates coming in at $12 higher than other SUVs and liability insurance prices at $1 cheaper.

Compared to all vehicles, no matter which model, body style, or make they are, the LR4 follows a similar pattern of having average insurance premiums.

Who has the Cheapest Car Insurance for a Land Rover LR4?

Browsing for a car insurance policy for your Land Rover LR4? You probably want to know which company offers the lowest premiums. Although costs will normally be pretty different from person to person, the cheapest average rates for liability only insurance are sometimes as little as $32 a month from Clearcover. With car insurance as low as $38 per month, Safeco is the next most affordable car insurance carrier.

MetroMile, NationalGeneral, and DirectGeneral finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Land Rover LR4.

Auto insurance carriers take a bunch of different things into consideration when calculating monthly rates. There's only one way to make sure you find the lowest possible rates, and that's by reviewing quotes from numerous insurance companies.

What Factors Affect Car Insurance Rates for a Land Rover LR4?

There are a whole bunch of variables that auto insurance carriers take a look at to decide how much to charge you for insurance -- and every company weighs certain variables more than others, so there's not just one carrier that's the most affordable for everyone.

The following sections show a lot of factors car insurance companies use to calculate rates:

Vehicle Age

Land Rover has been making the LR4 for quite some time -- and that means the car's age may play a role in how much you'll pay for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and LR4s continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the LR4. However, as you can see in the table above, the most expensive Land Rover LR4s to insure are those that are 8 to 10 years old, while the cheapest models are LR4s that are 2 to 3 years old, on average.

Your Age

Your age is another variable that makes a significant difference in how much you pay for auto insurance. In the table above, you'll see that drivers with more experience on the road pay less for car insurance compared to younger drivers. Land Rover LR4 drivers under 18 actually pay over three times as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for LR4 drivers being 25-34.

Your Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, women generally pay less for auto insurance than men. When it comes to LR4 drivers specifically, women pay about $3 less than men monthly for insurance.

Where You Live

You may think it's obvious that things like how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can be just as important? Since auto insurance is regulated on the state level and not nationally, premiums can vary quite a bit depending on where you live.

For example, the average Land Rover LR4 owner from New York pays around $165 a month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average.

Land Rover LR4 Car Insurance Discounts

No matter what car you drive, how old you are, or what state you call home, it's always important to take advantage of as many car insurance discounts as possible.

While no two insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-vehicle discounts for having more than one car on your auto policy
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for using the same insurance company for both your home and car insurance

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), you can influence some of it. Below are just a few of the factors you can use to your favor when it comes to saving money:

Your Driving Record

It's no secret that car insurance carriers offer the cheapest prices to drivers with clean records. It follows that if you get into an accident or get a ticket for speeding, auto insurance rates will increase. But exactly how much can these infractions cost you?

As you can see, accidents will usually cost LR4 drivers less than tickets, but both will result in above average rates. Land Rover LR4 drivers with one accident on their record pay about $76 each month, while drivers with a single ticket will pay an average of $78 monthly. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Another factor you have control over is the total distance you drive annually. Those who drive less are less likely to get into accidents, so they'll usually end up paying less for car insurance.

But if you're one of those drivers who don't put very many miles on your Land Rover LR4 each year, you might consider learning about usage-based or pay-per-mile insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Land Rover LR4s Compare to Other Vehicles?

If you're considering making a Land Rover LR4 your next SUV, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Land Rover LR4 compares:

Overall, the Land Rover LR4 has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle price is $41,071, and the LR4 comes in close to that at $50,900. And since it's been awhile since a new LR4 model has been on the market, used prices will be even lower.

Although the purchase price is right in the middle of the spectrum, car insurance prices run below average when compared to other vehicles on the market. Full coverage insurance for a Land Rover LR4 is about $22 a month cheaper than average, while liability only coverage is $16 cheaper per month.

When it comes to usage, Land Rover LR4 drivers are near the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the LR4's 11,928 every year.

Land Rover LR4 Car Insurance Costs by Model Year

You've seen how different variables can have an impact on what you'll pay for auto insurance. But if you're considering buying a new LR4, knowing what you'll likely pay can be extremely helpful as you weigh your options.

2016 Land Rover LR4 Car Insurance

You can expect full coverage for a 2016 LR4 to run around $147 monthly, while liability only coverage will average about $65 a month.

With prices sometimes as cheap as $65 per month, Liberty Mutual offered the lowest policy we found for the 2016 Land Rover LR4.

If you want to find the best rates for auto insurance for a 2016 Land Rover LR4, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

2015 Land Rover LR4 Car Insurance

The average cost to insure a 2015 Land Rover LR4 with liability only coverage is $39 a month, while full coverage runs around $163 monthly.

If you're looking for the cheapest possible 2015 Land Rover LR4 insurance policy, Clearcover offered the cheapest policy we found, with rates as little as $23 per month.

If you want to know exactly how much you can expect to pay for your LR4, just enter your ZIP code below and get free quotes in minutes.

2014 Land Rover LR4 Car Insurance

2014 LR4 drivers can expect to pay an average of $55 a month for liability or $191 for full coverage.

Looking for the most affordable policy? MetroMile offered liability only coverage for sometimes as low as $33 per month.

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

2013 Land Rover LR4 Car Insurance

On average, drivers who own a 2013 Land Rover LR4 can expect to pay $67 to $161 monthly for liability only and full coverage car insurance, respectively.

We found Infinity offered the cheapest policy, with rates as cheap as just $38 a month.

These average premiums are a great starting point if you're in the market for a 2013 Land Rover LR4, but there are a wide array of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2012 Land Rover LR4 Car Insurance

It costs about $85 monthly for liability or $187 for a full coverage policy for the 2012 LR4.

Elephant offered the lowest policy we found, with rates as low as just $32 per month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free customized quotes.

2011 Land Rover LR4 Car Insurance

The average cost to insure a 2011 Land Rover LR4 with liability only coverage is $76 a month, while full coverage runs around $153 per month.

Mercury has rates as little as just $37 monthly for the 2011 Land Rover LR4.

While these are good estimates of what the average driver might pay to insure a 2011 Land Rover LR4, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2010 Land Rover LR4 Car Insurance

You can expect full coverage for a 2010 LR4 to run about $128 per month, while liability only coverage will average around $109 a month.

With premiums as little as $27 monthly, Liberty Mutual offered the most affordable policy we found.

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.

Land Rover LR4 Insurance FAQs

Is a Land Rover LR4 expensive to insure?

Liability insurance runs an average of $79 a month, while full coverage will cost you around $163. The Land Rover LR4 is relatively expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Land Rover LR4?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and comparing quotes from a bunch of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Land Rover LR4 affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually a myth. Even though there are a variety of variables insurance companies examine when they decide how much to charge you for a policy, your vehicle's color is not used to make that determination.

Do I need to have insurance before I buy a Land Rover LR4?

Before you can legally drive your new (or new to you) LR4 off the dealership lot, you'll need to have valid auto insurance for it. As part of the buying process, some dealerships might offer you an auto insurance policy, but the best thing to do when buying a an SUV is to talk with your insurance company ahead of time.

What car insurance discounts can I get for my Land Rover LR4?

You will find a variety of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Land Rover LR4 and more on you, but if your LR4 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts.