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Jerry Data & Research
Cheapest Land Rover Discovery Car Insurance (Apr 2024)
Cheapest Land Rover Discovery Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Land Rover Discovery
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How much does Land Rover Discovery car insurance cost?
- Compare the cheapest Land Rover Discovery car insurance quotes
- The best car insurance companies for Land Rover Discovery owners
- Land Rover Discovery insurance cost by model year
- Are Land Rover Discoverys expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does Land Rover Discovery car insurance cost?
Land Rover Discovery drivers pay an average of about $98 per month for liability-only
car insurance
coverage and about $196 per month for full coverage policies. It’s about 8% more expensive to insure a Land Rover Discovery than cars of similar make and mode.Remember that these numbers are just average rates—what you’ll pay to insure your Discovery will vary based on your driver profile and specific Discovery model. That’s why we recommend shopping around and
comparing car insurance quotes
before you commit.Compare the cheapest Land Rover Discovery car insurance quotes
Finding an affordable insurance rate, especially for luxury cars like Land Rovers, can be tricky. And with dozens of reputable insurance providers offering different coverages and rates, requesting individual quotes can feel like a full-time job.
With the
Jerry
mobile app, you can find your ideal Discovery insurance company in minutes. Jerry walks you through creating a profile, which is then used to find personalized quotes from our pool of more than 55+ top insurers. The entire process, from shopping to purchase, takes approximately one to two hours.Check out the table below to see real, free quotes Land Rover Discovery drivers found using Jerry.
| Date | Car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
April 13, 2024 | Land Rover Discovery Sport HSE | AAA | $262 | Ernest, 27 Smithfield, PA | • State Minimum Liability • Comp / Collision |
April 11, 2024 | Land Rover Discovery Sport SE | Progressive | $186 | Nicholas, 25 | • 30,000/60,000 Liability |
April 9, 2024 | Land Rover Discovery II SE | Travelers | $110 | Viola, 51 Cooper, ME | • 100,000/300,000 Liability • Comp / Collision |
April 6, 2024 | Land Rover Discovery Sport SE | Allstate | $182 | Pauline, 47 | • 50,000/100,000 Liability • Comp / Collision |
April 1, 2024 | Land Rover Discovery Sport S R-Dynamic | Mercury | $251 | Leona, 50 Tavernier, FL | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Apr 13, 2024The best car insurance companies for Land Rover Discovery owners
Car insurance policies are as unique as every driver. Insurance companies consider various factors when
calculating insurance premiums
, meaning insurance rates vary between providers and Discovery drivers.But when searching for the right provider for your Discovery policy, cost is only one factor—you’ll also want to consider other factors, such as customer service and claims handling.
To help drivers find the top insurers, Jerry surveyed over 18,000 real policyholders, asking them about their experience with their current insurance provider.
Check out the table below to see how Jerry users rated their current provider on price, claims experience, and customer service.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How much car insurance do you need for a Land Rover Discovery?
Car insurance requirements differ based on where you live, but you’ll need to buy car insurance that meets or exceeds your state's
minimum coverage car insurance
requirements regardless of where you live.| Car | Average Full Coverage Insurance Cost | Average State Minimum Insurance Cost |
|---|---|---|
Land Rover Discovery | $196 | $98 |
There are two options for insurance:
- Minimum coverage insuranceis the minimum amount legally required in your state. This type of insurance includesbodily injuryandproperty damage liability, which will cover any injuries or damages you cause to other parties in an accident.
- Full coverage insuranceprovides financial protection for damages after an accident. This generally includes liability insurance, along withcollisionandcomprehensivecoverage for protection in collision and non-collision related events (i.e. theft, severe weather, etc.).
If you loan or lease your vehicle, your lender may require you to purchase collision and comprehensive coverage for the duration of your loan or lease. You’ll also need a full coverage auto insurance policy if you add additional coverages, such as roadside assistance or accident forgiveness.
If you loan or lease your vehicle, your lender may require you to purchase collision and comprehensive coverage for the duration of your loan or lease. You’ll also need a full coverage auto insurance policy if you add additional coverages, such as roadside assistance or accident forgiveness.
Why are some trims more expensive to insure than others?
In most cases, the more expensive your vehicle, the more you’ll pay to insure it. Higher trim levels not only have a higher Manufacturer’s Suggested Retail Price (MSRP) but also additional features and tech that are costly to repair (or replace in the case of theft or vehicle total).
Check out the table below to see the average cost of auto insurance for some popular Land Rover Discovery trims.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Discovery Land Rover II HSE | $67 | $140 |
Discovery Land Rover II SE | $117 | $193 |
Discovery Land Rover Sport HSE | $99 | $163 |
Discovery Land Rover Sport HSE Luxury | $80 | $251 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Land Rover Discovery insurance cost by model year
Insurance rates are generally higher for newer models, meaning the newer your Land Rover Discovery is, the more you’ll pay for insurance. Like trim levels, newer models have better features and tech with a higher price tag to repair or replace.
The tables below offer a brief look at how much drivers pay to insure their Land Rover Discovery based on model year.
2021 Land Rover Discovery car insurance quotes
Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Land Rover Discovery:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
2021 Land Rover Discovery Sport S | Safeco | $299 | Ethan, 58 | • 100,000/300,000 Liability • Comp / Collision |
2021 Land Rover Discovery Sport S | National General | $206 | Ethel, 35 | • State Minimum Liability |
| Mercury | $251 | Samuel, 50 Tavernier, FL | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Land Rover Discovery with our real quote examples below:
2020 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$117 | Billy, 35 Daphne, AL | • State Minimum Liability
• Comp / Collision | ||
$237 | Daniel, 58 New Haven, CT | • 50,000/100,000 Liability
• Comp / Collision |
2019 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$182 | Lola, 28 Baltimore, MD | • 100,000/300,000 Liability
• Comp / Collision | ||
$144 | Steve, 47 Mount Pleasant, SC | • 100,000/300,000 Liability
• Comp / Collision | ||
$350 | Polly, 35 Kilgore, TX | • State Minimum Liability
• Comp / Collision | ||
$80 | Rosetta, 54 Laguna Beach, CA | • State Minimum Liability |
2018 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$148 | Marion, 37 Miami, FL | • 100,000/300,000 Liability
• Comp / Collision | ||
$153 | Betty, 42 Englewood Cliffs, NJ | • 250,000/500,000 Liability
• Comp / Collision | ||
$185 | Loretta, 47 Houston, TX | • State Minimum Liability
• Comp / Collision | ||
$179 | Ann, 55 Raleigh, NC | • 50,000/100,000 Liability
• Comp / Collision | ||
Electric | $195 | Bess, 29 Chesterton, IN | • State Minimum Liability
• Comp / Collision |
2017 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$91 | Jacob, 30 West Haven, UT | • 50,000/100,000 Liability
• Comp / Collision | ||
$65 | Phoebe, 46 Louisa, VA | • 100,000/300,000 Liability
• Comp / Collision | ||
$262 | Ernest, 27 Smithfield, PA | • State Minimum Liability
• Comp / Collision | ||
$241 | Hunter, 31 Philadelphia, PA | • State Minimum Liability
• Comp / Collision | ||
$155 | Mae, 35 Peachtree Corners, GA | • State Minimum Liability
|
2016 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$322 | Mark, 43 Atlanta, GA | • 50,000/100,000 Liability
• Comp / Collision | ||
$140 | Emilie, 31 Hattiesburg, MS | • State Minimum Liability
• Comp / Collision | ||
Clearcover | $105 | Connor, 29 Washington, UT | • 100,000/300,000 Liability
• Comp / Collision | |
$276 | Barbara, 53 Asheville, NC | • 50,000/100,000 Liability
• Comp / Collision | ||
$204 | Randy, 60 East Orange, NJ | • 25,000/50,000 Liability
|
2015 Land Rover Discovery car insurance quotes
Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
$202 | Daisy, 29 Tampa, FL | • 50,000/100,000 Liability
• Comp / Collision | ||
Clearcover | $62 | Randy, 39 Chicago, IL | • State Minimum Liability
• Comp / Collision | |
$97 | Gavin, 40 Huntington Beach, CA | • State Minimum Liability | ||
Clearcover | $114 | Lillian, 23 Enid, OK | • State Minimum Liability
|
Are Land Rover Discoverys expensive to insure?
The average cost to insure a Land Rover Discovery for minimum coverage insurance is $98 per month. But remember, that cost is just that—an average. The exact amount you’ll pay for Land Rover Discovery auto insurance will depend on your driver profile, your vehicle, and the provider you choose.
| Car | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
Land Rover Discovery | $98 | $196 |
Tesla Model S | $79 | $228 |
Lincoln MKX | $90 | $173 |
Audi A5 | $104 | $214 |
Jaguar F-Type | $125 | $225 |
Why are similar cars more or less expensive to insure? When calculating insurance rates, companies consider several factors, including the vehicle’s MSRP, trim level, model year, and repair costs.
What other factors affect Land Rover Discovery insurance rates?
Safety features, trim level, and model year are just a few factors that influence Land Rover Discovery
car insurance rates
. Other factors include:- The kind of car you have: Luxury, high-performance, and sports cars have higher insurance costs than non-luxury, non-performance vehicles.
- Driver age: Teen drivers 16 to 19 and new drivers pay some of the highest insurance rates of any age group due to a lack of driving experience. After 25, rates usually decline, reaching their lowest point for middle-aged drivers.
- Driving record and claims history: A history of accidents and moving violations on your driving history is a red flag for insurers and leads to higher insurance rates than drivers with a clean driving record.
- ZIP code: Each area within a city is subject to unique factors that influence car insurance rates, such as traffic patterns and crime activity.
- Credit score: Not every insurance provider uses credit-based insurance scores, but those that do typically charge lower rates for drivers with good credit scores.
Land Rover Discovery insurance cost for young drivers
Teen drivers
aged 16 to 19 face the highest insurance rates due to limited driving experience. While minimum coverage is the best option to keep rates low, a full coverage auto insurance policy offers better financial protection, especially for young drivers with new vehicles. 
Elnora (24 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Charleston, AR
$268
per month
Clearcover
Melvin (23 years old)
$114
per month
Nannie (21 years old)
$192
per month
Land Rover Discovery insurance cost for senior drivers
Middle-aged drivers enjoy some of the lowest car insurance premiums, but rates increase again as they get into their 70s.
Car insurance rates for seniors
are higher than average, thanks to slower reflexes that increase the risk of collisions and higher vulnerability to injury following a crash. As seniors are higher-risk policyholders, they’ll pay more to insure their cars.Luckily, Jerry can help seniors compare quotes and find the cheapest auto insurance rates.
Jon (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$150
per month
Land Rover Discovery insurance cost for drivers with driving violations
Your driving record has one of the biggest impacts on how much you’ll pay to insure your car. Drivers with a history of accidents and driving violations are subject to higher premiums than those with a clean driving record.
Some common violations that can lead to high insurance rates include:
- Speeding
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Land Rover Discovery drivers with speeding ticket
While a speeding ticket will increase your car insurance rates, the degree to which your rates increase will vary based on how much you exceeded the posted limit. For example, a ticket for going 5 mph over the limit won’t have as severe repercussions on your car insurance rates as one for going 15 or 20 mph over the limit.
If you’ve recently added a speeding ticket to your driving record, use Jerry to help you find the cheapest car insurance policy for your Discovery.
| Speeding Type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
Speeding 16-20 | Land Rover Discovery Sport HSE | Safeco | $140 | Louisa, 31 | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Land Rover Discovery Sport SE | Progressive | $116 | Jack, 30 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 15, 2024Cheapest car insurance for Land Rover Discovery drivers with a DUI record
A DUI conviction is a serious offense on a driving record that can send car insurance rates through the roof. Driving under the influence or while intoxicated classifies you as a high-risk driver. As a result, you’ll usually see higher than average rates compared to drivers without a DUI conviction.
If you’ve been cited for a DUI and need cheap car insurance, Jerry can help you compare quotes and find the best rate for the coverage you need.
Margaret (45 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$65
per month
Loretta (34 years old)
$64
per month
Cheapest car insurance for Land Rover Discovery drivers after an accident
At-fault accidents are another red flag for insurers that tell them you’re a high-risk policyholder with a higher chance of filing a claim. If you have a history of accidents, you’ll see increased auto insurance rates.
If you were recently involved in an at-fault accident and are looking for a cheaper car insurance rate, Jerry can help. See how many Land Rover Discovery drivers found cheap car insurance with Jerry.
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Land Rover Discovery II SE | Nationwide | $155 | Katharine, 44 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Land Rover Discovery II SE | Travelers | $110 | Blake, 51 Cooper, ME | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | Land Rover Discovery Sport HSE Luxury | National General | $276 | Clifford, 53 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Land Rover Discovery Sport SE | Gainsco | $210 | Elizabeth, 51 | • State Minimum Liability • Comp / Collision |
Not At Fault | Land Rover Discovery Sport | State Auto | $237 | Erik, 58 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 14, 2024Cheapest car insurance for Land Rover Discovery drivers with other driving violations on their record
DUIs, accidents, and speeding tickets aren’t the only violations that can cause your car insurance rates to climb. Driving without insurance, reckless driving, running a red light, and others can too.
Check out the table below for a list of other driving violations that can increase car insurance rates and how we helped Land Rover Discovery drivers with these violations save on their auto insurance.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Stop | Land Rover Discovery Sport SE | Progressive | $276 | Nelle, 29 | • 15,000/30,000 Liability • Comp / Collision |
Cell Phone | Land Rover Discovery Sport HSE | Progressive | $185 | Matthew, 59 | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Land Rover Discovery Sport SE | National General | $185 | Minnie, 40 | • State Minimum Liability |
Failure to Stop | Land Rover Discovery Sport SE | Progressive | $276 | Ian, 29 | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Apr 16, 2024Compare insurance costs for other cars
How can I lower the cost of insurance for my car?
If you’re looking to save on your auto insurance premium, here are some of our best tips to help reduce your monthly payments:
- Shop around: Insurers use different algorithms to calculate premiums, so if you want to find the best savings, shop around and compare quotes before you commit. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes to help you find the best deal.
- Increase your deductible: Yourcar insurance deductibleis the amount you must pay out of pocket before your collision or comprehensive coverage kicks in. To keep your monthly payments as low as possible, increase your deductible to the highest amount you can afford to pay upfront in the event of a collision.
- Ask about discounts: All insurance companies offer car insurance discounts and insurance products to help customers save money, but what’s available will vary based on your location, the provider, and eligibility.
- Bundle your insurance policies:Bundling your auto and home insurance(or auto and renters) with the same insurance company can reduce your premiums.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
