Land Rover Discovery Sport Insurance Cost

Full coverage for a Land Rover Discovery Sport costs about $1,635 a year ($136/month) by our estimate — ▲ +3% versus the average vehicle, ranking 159th cheapest of 310 current models.

Land Rover Discovery Sport 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 Sport insurance cost at a glance

Full coverage

$1,635

$136/mo · $1,340–$1,930

Minimum liability

$595

$50/mo

Segment

Luxury SUV

Gasoline, Hybrid

HLDI collision losses

113

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 2015–2026 model years of the Land Rover Discovery Sport.

Estimated Land Rover Discovery Sport 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.	$595	$50	$490–$705
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$865	$72	$710–$1,020
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,635	$136	$1,340–$1,930

What drives the cost of insuring a Land Rover Discovery Sport

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 Sport's results put our vehicle factor at 0.97× for liability, 1.17× for collision and 1.10× for comprehensive.

HLDI relative insurance losses — Land Rover Discovery Sport 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	113	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	107	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	98	Average	Damage this car does to other vehicles and property
Personal injury protection	79	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: 4 NHTSA recall campaigns and 5 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Land Rover Discovery Sport 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 Sport	AWD	2.0L 4-cyl Turbo	20

Land Rover Discovery Sport 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	AWD	20	$1,635
2025	2.0L 4-cyl Turbo	AWD	20	$1,595
2024	2.0L 4-cyl Turbo	AWD	20	$1,560
2023	2.0L 4-cyl Turbo	AWD	20	$1,525
2022	2.0L 4-cyl Turbo	AWD	20	$1,490
2021	2.0L 4-cyl Turbo	AWD	20	$1,450
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid	AWD	21	$1,415
2019	2.0L 4-cyl Turbo	AWD	22	$1,380
2018	2.0L 4-cyl Turbo	AWD	22	$1,345
2017	2.0L 4-cyl Turbo	4WD	22	$1,310
2016	2.0L 4-cyl Turbo	4WD	22	$1,270
2015	2.0L 4-cyl Turbo	4WD	22	$1,265

Land Rover Discovery Sport 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 Sport page for that state.

State	Full coverage	Minimum	vs. national	Discovery Sport page
Alabama	$1,435	$465	−12%	Discovery Sport in AL
Alaska	$1,435	$605	−12%	Discovery Sport in AK
Arizona	$1,710	$640	+5%	Discovery Sport in AZ
Arkansas	$1,460	$435	−11%	Discovery Sport in AR
California	$1,610	$555	−2%	Discovery Sport in CA
Colorado	$1,865	$635	+14%	Discovery Sport in CO
Connecticut	$1,720	$690	+5%	Discovery Sport in CT
Delaware	$1,795	$780	+10%	Discovery Sport in DE
District of Columbia	$2,065	$720	+26%	Discovery Sport in DC
Florida	$2,285	$1,050	+40%	Discovery Sport in FL
Georgia	$1,995	$850	+22%	Discovery Sport in GA
Hawaii	$1,135	$425	−31%	Discovery Sport in HI
Idaho	$1,110	$390	−32%	Discovery Sport in ID
Illinois	$1,425	$485	−13%	Discovery Sport in IL
Indiana	$1,170	$395	−28%	Discovery Sport in IN
Iowa	$1,130	$300	−31%	Discovery Sport in IA
Kansas	$1,325	$390	−19%	Discovery Sport in KS
Kentucky	$1,370	$515	−16%	Discovery Sport in KY
Louisiana	$2,255	$770	+38%	Discovery Sport in LA
Maine	$1,050	$415	−36%	Discovery Sport in ME
Maryland	$1,825	$730	+12%	Discovery Sport in MD
Massachusetts	$1,605	$575	−2%	Discovery Sport in MA
Michigan	$1,785	$745	+9%	Discovery Sport in MI
Minnesota	$1,375	$455	−16%	Discovery Sport in MN
Mississippi	$1,575	$515	−4%	Discovery Sport in MS
Missouri	$1,495	$500	−9%	Discovery Sport in MO
Montana	$1,325	$380	−19%	Discovery Sport in MT
Nebraska	$1,330	$390	−19%	Discovery Sport in NE
Nevada	$1,840	$840	+13%	Discovery Sport in NV
New Hampshire	$1,170	$390	−28%	Discovery Sport in NH
New Jersey	$1,940	$910	+19%	Discovery Sport in NJ
New Mexico	$1,470	$505	−10%	Discovery Sport in NM
New York	$2,165	$905	+32%	Discovery Sport in NY
North Carolina	$1,235	$435	−24%	Discovery Sport in NC
North Dakota	$1,075	$270	−34%	Discovery Sport in ND
Ohio	$1,175	$395	−28%	Discovery Sport in OH
Oklahoma	$1,490	$460	−9%	Discovery Sport in OK
Oregon	$1,450	$610	−11%	Discovery Sport in OR
Pennsylvania	$1,440	$415	−12%	Discovery Sport in PA
Rhode Island	$1,955	$795	+20%	Discovery Sport in RI
South Carolina	$1,730	$710	+6%	Discovery Sport in SC
South Dakota	$1,285	$305	−21%	Discovery Sport in SD
Tennessee	$1,370	$440	−16%	Discovery Sport in TN
Texas	$1,950	$670	+19%	Discovery Sport in TX
Utah	$1,465	$635	−10%	Discovery Sport in UT
Vermont	$1,080	$310	−34%	Discovery Sport in VT
Virginia	$1,405	$610	−14%	Discovery Sport in VA
Washington	$1,410	$575	−14%	Discovery Sport in WA
West Virginia	$1,380	$425	−16%	Discovery Sport in WV
Wisconsin	$1,125	$360	−31%	Discovery Sport in WI
Wyoming	$1,310	$315	−20%	Discovery Sport in WY

Land Rover Discovery Sport insurance by driver profile

Estimated annual Land Rover Discovery Sport premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,640	$2,380	$4,490	$374
Young adult (22)	$955	$1,385	$2,615	$218
Adult in their 30s	$595	$865	$1,635	$136
Adult in their 50s	$550	$795	$1,505	$125
Senior (72)	$670	$970	$1,830	$153
30s, one at-fault accident	$865	$1,255	$2,370	$198
30s, DUI on record	$1,105	$1,600	$3,020	$252

Land Rover Discovery Sport vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Land Rover Discovery Sport	$1,635	113	107	—
BMW X3	$1,565	108	92	Compare
Infiniti QX60	$1,550	105	100	Compare
Infiniti QX50	$1,565	117	104	Compare

Estimate Land Rover Discovery Sport 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 $1,665/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 Sport?

We estimate about $1,635 a year ($136 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% more than the average vehicle.

Is the Land Rover Discovery Sport expensive to insure?

HLDI insurance-loss data rates it at 113 for collision and 107 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 Sport?

Maine has the lowest estimate (about $1,050 a year for full coverage) and Florida the highest (about $2,285).

Is the Land Rover Discovery Sport cheaper to insure than the BMW X3?

By our estimate the Land Rover Discovery Sport costs about $1,635 a year versus $1,600 for the BMW X3, making the BMW X3 cheaper to insure.

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

An 18-year-old on their own full-coverage policy would pay about $4,490 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