Land Rover Discovery Insurance Cost

Full coverage for a Land Rover Discovery costs about $1,665 a year ($139/month) by our estimate — ▲ +5% versus the average vehicle, ranking 168th cheapest of 310 current models.

Land Rover Discovery exterior (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

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

Land Rover Discovery insurance cost at a glance

Full coverage

$1,665

$139/mo · $1,365–$1,965

Minimum liability

$545

$45/mo

Segment

Luxury SUV

Gasoline, Hybrid, Diesel

HLDI collision losses

116

Worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2017–2026 model years of the Land Rover Discovery.

Estimated Land Rover Discovery premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$545	$45	$445–$645
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$790	$66	$650–$935
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,665	$139	$1,365–$1,965

What drives the cost of insuring a Land Rover Discovery

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Land Rover Discovery's results put our vehicle factor at 0.89× for liability, 1.19× for collision and 1.53× for comprehensive.

HLDI relative insurance losses — Land Rover Discovery 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	116	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	157	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	84	Better than average	Damage this car does to other vehicles and property
Personal injury protection	47	Much better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 5 NHTSA recall campaigns and 8 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Land Rover Discovery trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Discovery	4WD	2.0L 4-cyl Turbo	21
Discovery MHEV	4WD	3.0L 6-cyl Turbo Supercharged Hybrid	19

Land Rover Discovery insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Supercharged Hybrid	4WD	19–21	$1,665
2025	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Supercharged Hybrid	4WD	19–21	$1,625
2024	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Supercharged Hybrid	4WD	19–21	$1,585
2023	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Supercharged Hybrid	4WD	21–22	$1,545
2022	2.0L 4-cyl Turbo, 3.0L 6-cyl Hybrid	4WD	21	$1,500
2021	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	4WD	21	$1,460
2020	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	4WD	18–23	$1,420
2019	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	4WD	18–23	$1,380
2018	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	4WD	18–23	$1,335
2017	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	4WD	18–23	$1,295

Land Rover Discovery insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Discovery page for that state.

State	Full coverage	Minimum	vs. national	Discovery page
Alabama	$1,485	$425	−11%	Discovery in AL
Alaska	$1,455	$555	−13%	Discovery in AK
Arizona	$1,750	$585	+5%	Discovery in AZ
Arkansas	$1,535	$400	−8%	Discovery in AR
California	$1,620	$510	−3%	Discovery in CA
Colorado	$1,980	$580	+19%	Discovery in CO
Connecticut	$1,720	$630	+3%	Discovery in CT
Delaware	$1,785	$710	+7%	Discovery in DE
District of Columbia	$2,095	$660	+26%	Discovery in DC
Florida	$2,260	$960	+36%	Discovery in FL
Georgia	$1,995	$775	+20%	Discovery in GA
Hawaii	$1,145	$385	−31%	Discovery in HI
Idaho	$1,140	$355	−32%	Discovery in ID
Illinois	$1,460	$440	−12%	Discovery in IL
Indiana	$1,205	$360	−28%	Discovery in IN
Iowa	$1,225	$275	−26%	Discovery in IA
Kansas	$1,425	$360	−14%	Discovery in KS
Kentucky	$1,405	$470	−16%	Discovery in KY
Louisiana	$2,300	$705	+38%	Discovery in LA
Maine	$1,080	$375	−35%	Discovery in ME
Maryland	$1,840	$670	+11%	Discovery in MD
Massachusetts	$1,620	$525	−3%	Discovery in MA
Michigan	$1,815	$680	+9%	Discovery in MI
Minnesota	$1,460	$415	−12%	Discovery in MN
Mississippi	$1,650	$470	−1%	Discovery in MS
Missouri	$1,565	$455	−6%	Discovery in MO
Montana	$1,435	$350	−14%	Discovery in MT
Nebraska	$1,425	$360	−14%	Discovery in NE
Nevada	$1,800	$770	+8%	Discovery in NV
New Hampshire	$1,195	$355	−28%	Discovery in NH
New Jersey	$1,915	$830	+15%	Discovery in NJ
New Mexico	$1,525	$460	−8%	Discovery in NM
New York	$2,165	$825	+30%	Discovery in NY
North Carolina	$1,285	$400	−23%	Discovery in NC
North Dakota	$1,175	$245	−29%	Discovery in ND
Ohio	$1,210	$360	−27%	Discovery in OH
Oklahoma	$1,580	$420	−5%	Discovery in OK
Oregon	$1,450	$555	−13%	Discovery in OR
Pennsylvania	$1,490	$380	−11%	Discovery in PA
Rhode Island	$1,940	$730	+17%	Discovery in RI
South Carolina	$1,750	$650	+5%	Discovery in SC
South Dakota	$1,445	$280	−13%	Discovery in SD
Tennessee	$1,420	$400	−15%	Discovery in TN
Texas	$2,045	$615	+23%	Discovery in TX
Utah	$1,465	$580	−12%	Discovery in UT
Vermont	$1,125	$280	−32%	Discovery in VT
Virginia	$1,435	$555	−14%	Discovery in VA
Washington	$1,410	$525	−15%	Discovery in WA
West Virginia	$1,460	$385	−12%	Discovery in WV
Wisconsin	$1,185	$330	−29%	Discovery in WI
Wyoming	$1,465	$290	−12%	Discovery in WY

Land Rover Discovery insurance by driver profile

Estimated annual Land Rover Discovery premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,500	$2,175	$4,585	$382
Young adult (22)	$870	$1,265	$2,665	$222
Adult in their 30s	$545	$790	$1,665	$139
Adult in their 50s	$500	$725	$1,535	$128
Senior (72)	$610	$885	$1,865	$155
30s, one at-fault accident	$790	$1,145	$2,415	$201
30s, DUI on record	$1,010	$1,460	$3,085	$257

Land Rover Discovery vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Land Rover Discovery	$1,665	116	157	—
BMW X5	$1,690	120	142	Compare
Cadillac Escalade	$1,655	110	152	Compare
Lincoln Navigator	$1,640	119	135	Compare

Estimate Land Rover Discovery insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Land Rover models

Defender $1,815/yr
Range Rover $2,210/yr
Range Rover Sport $1,885/yr
Discovery Sport $1,635/yr
Range Rover Evoque $1,635/yr
Range Rover Velar $2,050/yr
LR4 $1,335/yr
LR2 $1,330/yr
LR3 $1,330/yr
Freelander $1,330/yr

All Land Rover insurance costs →

Frequently asked questions

How much is insurance for a Land Rover Discovery?

We estimate about $1,665 a year ($139 a month) for full coverage and $545 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% more than the average vehicle.

Is the Land Rover Discovery expensive to insure?

HLDI insurance-loss data rates it at 116 for collision and 157 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Land Rover Discovery?

Maine has the lowest estimate (about $1,080 a year for full coverage) and Louisiana the highest (about $2,300).

Is the Land Rover Discovery cheaper to insure than the BMW X5?

By our estimate the Land Rover Discovery costs about $1,665 a year versus $1,690 for the BMW X5, making it the cheaper of the two to insure.

How much is Land Rover Discovery insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,585 a year at national-average rates by our estimate.

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