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Cheapest Land Rover Discovery Car Insurance (May 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
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Andrea Barrett
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

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.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
May 22, 2024
Land Rover Discovery Sport HSEAAA
$262
• State Minimum Liability
• Comp / Collision
May 20, 2024
Land Rover Discovery Sport SEProgressive
$186
• 30,000/60,000 Liability
May 18, 2024
Land Rover Discovery II SETravelers
$110
• 100,000/300,000 Liability
• Comp / Collision
May 15, 2024
Land Rover Discovery Sport SEAllstate
$182
• 50,000/100,000 Liability
• Comp / Collision
May 10, 2024
Land Rover Discovery Sport S R-DynamicMercury
$251
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated May 22, 2024

The 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 CompanyOverall RatingPriceClaims ExperienceCustomer 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
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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.
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Land Rover Discovery
$196
$98
There are two options for insurance:
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.

Learn more about car insurance for other models

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.
CarMonthly minimum coverage costMonthly 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
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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:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2021
Land Rover Discovery Sport S
Safeco
$299
• 100,000/300,000 Liability
• Comp / Collision
2021
Land Rover Discovery Sport S
National General
$206
• State Minimum Liability
Mercury
$251
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024
If 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
2020
Land Rover
Discovery Sport
$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
2019
Land Rover
Discovery Sport SE
$144
• 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
2018
Land Rover
Discovery Sport SE
$148
Marion, 37
Miami, FL
• 100,000/300,000 Liability • Comp / Collision
2018
Land Rover
Discovery Sport SE
$153
Betty, 42 Englewood Cliffs, NJ
• 250,000/500,000 Liability • Comp / Collision
2018
Land Rover
Discovery Sport SE
$185
Loretta, 47
Houston, TX
• State Minimum Liability • Comp / Collision
$179
Ann, 55
Raleigh, NC
• 50,000/100,000 Liability • Comp / Collision
Electric
$195
• State Minimum Liability • Comp / Collision

2017 Land Rover Discovery car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2017
Land Rover
Discovery Sport SE
$91
Jacob, 30
West Haven, UT
• 50,000/100,000 Liability • Comp / Collision
2017
Land Rover
Discovery Sport SE
$65
Phoebe, 46 Louisa, VA
• 100,000/300,000 Liability • Comp / Collision
$262
Ernest, 27 Smithfield, PA
• State Minimum Liability • Comp / Collision
2017
Land Rover
Discovery Sport SE
$241
Hunter, 31
Philadelphia, PA
• State Minimum Liability • Comp / Collision
$155
• 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
2016
Land Rover
Discovery Sport SE
$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
• State Minimum Liability
Clearcover
$114
Lillian, 23
Enid, OK
• State Minimum Liability

See all Land Rover Discovery insurance information by year

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.
CarMonthly minimum coverage costMonthly full coverage cost
Land Rover Discovery
$98
$196
Tesla Model X
$97
$250
Lincoln MKC
$89
$187
Audi A5
$104
$214
Jaguar S-Type
$124
$219
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.
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Elnora (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationCharleston, AR
$268
per month
card cover
Clearcover
Melvin (23 years old)
$114
per month
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Nannie (21 years old)
coverageCoverage
State Minimum
carLand Rover Discovery II SD
$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.
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Jon (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carLand Rover Discovery HSE Luxury
$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:

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 TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 16-20
Land Rover Discovery Sport HSESafeco
$140
• State Minimum Liability
• Comp / Collision
Speeding 21+
Land Rover Discovery Sport SEProgressive
$116
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 24, 2024

Cheapest 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.
card cover
Francis (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$51
per month
card cover
Sara (36 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$60
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 typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Land Rover Discovery II SENationwide
$155
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Land Rover Discovery II SETravelers
$110
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Land Rover Discovery Sport HSE LuxuryNational General
$276
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Land Rover Discovery Sport SE
Gainsco
$210
• State Minimum Liability
• Comp / Collision
Not At Fault
Land Rover Discovery SportState Auto
$237
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 23, 2024

Cheapest 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.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Failure to Stop
Land Rover Discovery Sport SEProgressive
$276
• 15,000/30,000 Liability
• Comp / Collision
Cell Phone
Land Rover Discovery Sport HSEProgressive
$185
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Land Rover Discovery Sport SENational General
$185
• State Minimum Liability
Failure to Stop
Land Rover Discovery Sport SEProgressive
$276
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated May 24, 2024

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: Your
    car insurance deductible
    is 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

avatar
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.
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Kianna Walpole
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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.
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Josh Damico
badge icon
Head Of Insurance Operations
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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.