Land Rover Discovery vs BMW X6 Insurance Cost
The Land Rover Discovery is cheaper to insure by about $640 a year for full coverage by our estimate ($1,665 vs. $2,305), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Land Rover Discovery | BMW X6 | Difference |
|---|---|---|---|
| State minimum | $545 | $680 | −$135 |
| Standard (100/300/100) | $790 | $985 | −$195 |
| Full coverage | $1,665 | $2,305 | −$640 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Discovery minus X6.
Why one costs more to insure
| Factor | Land Rover Discovery | BMW X6 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Diesel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 116 | 198 |
| HLDI comprehensive | 157 | 195 |
| HLDI property damage liability | 84 | 124 |
| HLDI bodily injury liability | — | 117 |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 6 |
Collision losses are the biggest swing factor: the BMW X6 has 82 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Land Rover Discovery.
Discovery vs X6 insurance by state
By driver profile (full coverage)
| Driver | Discovery | X6 |
|---|---|---|
| Teen driver (18, own policy) | $4,585 | $6,335 |
| Young adult (22) | $2,665 | $3,685 |
| Adult in their 30s | $1,665 | $2,305 |
| Adult in their 50s | $1,535 | $2,120 |
| Senior (72) | $1,865 | $2,580 |
| 30s, one at-fault accident | $2,415 | $3,340 |
| 30s, DUI on record | $3,085 | $4,260 |
More comparisons
Frequently asked questions
Is the Land Rover Discovery or the BMW X6 cheaper to insure?
By our estimate the Land Rover Discovery is cheaper, by about $640 a year for full coverage ($1,665 vs. $2,305) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Land Rover Discovery and BMW X6?
Mostly because of insurance-loss history: HLDI collision indices of 116 vs. 198 and comprehensive indices of 157 vs. 195 (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.