Infiniti QX80 vs Land Rover Discovery Sport Insurance Cost

The Land Rover Discovery Sport is cheaper to insure by about $55 a year for full coverage by our estimate ($1,690 vs. $1,635), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Infiniti QX80	Land Rover Discovery Sport	Difference
State minimum	$570	$595	−$25
Standard (100/300/100)	$830	$865	−$35
Full coverage	$1,690	$1,635	+$55

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = QX80 minus Discovery Sport.

Why one costs more to insure

Factor	Infiniti QX80	Land Rover Discovery Sport
Segment	Luxury SUV	Luxury SUV
Powertrains	Gasoline	Gasoline, Hybrid
HLDI collision (100 = avg)	123	113
HLDI comprehensive	116	107
HLDI property damage liability	91	98
HLDI bodily injury liability	—	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	4

Collision losses are the biggest swing factor: the Infiniti QX80 has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

QX80 vs Discovery Sport insurance by state

State	QX80	Discovery Sport	Difference
Alabama	$1,500	$1,435	+$65
Alaska	$1,490	$1,435	+$55
Arizona	$1,765	$1,710	+$55
Arkansas	$1,535	$1,460	+$75
California	$1,680	$1,610	+$70
Colorado	$1,940	$1,865	+$75
Connecticut	$1,765	$1,720	+$45
Delaware	$1,830	$1,795	+$35
District of Columbia	$2,145	$2,065	+$80
Florida	$2,315	$2,285	+$30
Georgia	$2,035	$1,995	+$40
Hawaii	$1,180	$1,135	+$45
Idaho	$1,155	$1,110	+$45
Illinois	$1,480	$1,425	+$55
Indiana	$1,215	$1,170	+$45
Iowa	$1,195	$1,130	+$65
Kansas	$1,395	$1,325	+$70
Kentucky	$1,415	$1,370	+$45
Louisiana	$2,325	$2,255	+$70
Maine	$1,095	$1,050	+$45
Maryland	$1,880	$1,825	+$55
Massachusetts	$1,665	$1,605	+$60
Michigan	$1,855	$1,785	+$70
Minnesota	$1,440	$1,375	+$65
Mississippi	$1,640	$1,575	+$65
Missouri	$1,555	$1,495	+$60
Montana	$1,395	$1,325	+$70
Nebraska	$1,395	$1,330	+$65
Nevada	$1,860	$1,840	+$20
New Hampshire	$1,220	$1,170	+$50
New Jersey	$1,975	$1,940	+$35
New Mexico	$1,530	$1,470	+$60
New York	$2,215	$2,165	+$50
North Carolina	$1,300	$1,235	+$65
North Dakota	$1,140	$1,075	+$65
Ohio	$1,225	$1,175	+$50
Oklahoma	$1,560	$1,490	+$70
Oregon	$1,480	$1,450	+$30
Pennsylvania	$1,505	$1,440	+$65
Rhode Island	$2,000	$1,955	+$45
South Carolina	$1,770	$1,730	+$40
South Dakota	$1,370	$1,285	+$85
Tennessee	$1,430	$1,370	+$60
Texas	$2,030	$1,950	+$80
Utah	$1,500	$1,465	+$35
Vermont	$1,135	$1,080	+$55
Virginia	$1,455	$1,405	+$50
Washington	$1,445	$1,410	+$35
West Virginia	$1,450	$1,380	+$70
Wisconsin	$1,180	$1,125	+$55
Wyoming	$1,395	$1,310	+$85

By driver profile (full coverage)

Driver	QX80	Discovery Sport
Teen driver (18, own policy)	$4,645	$4,490
Young adult (22)	$2,705	$2,615
Adult in their 30s	$1,690	$1,635
Adult in their 50s	$1,555	$1,505
Senior (72)	$1,895	$1,830
30s, one at-fault accident	$2,450	$2,370
30s, DUI on record	$3,125	$3,020

More comparisons

Frequently asked questions

Is the Infiniti QX80 or the Land Rover Discovery Sport cheaper to insure?

By our estimate the Land Rover Discovery Sport is cheaper, by about $55 a year for full coverage ($1,690 vs. $1,635) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Infiniti QX80 and Land Rover Discovery Sport?

Mostly because of insurance-loss history: HLDI collision indices of 123 vs. 113 and comprehensive indices of 116 vs. 107 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page