Estimates, not quotes

Land Rover Discovery Sport Insurance Cost in Minnesota

Insuring a Land Rover Discovery Sport in Minnesota costs about $1,375 a year ($115/month) for full coverage by our estimate — −16% versus the same car nationally — the 19th cheapest of 51 states for this model.

Land Rover Discovery Sport (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 in Minnesota at a glance

Full coverage
$1,375
$1,130–$1,625
30/60/10 minimum
$455
$38/mo
Same car nationally
$1,635
full coverage
Avg. car in MN
$1,335
+3% for the Discovery Sport

The Land Rover Discovery Sport is 3% more expensive than the average vehicle to insure in Minnesota, reflecting HLDI collision losses of 113 and comprehensive losses of 107 (100 = average). Minnesota's own base rates are 14% lower than the national average, which carries through to every model.

Minnesota factors that affect Discovery Sport premiums

  • Uninsured drivers: 11.3% of Minnesota drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Discovery Sport.
  • Theft: 165 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Minnesota's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.81 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in Minnesota →

Land Rover Discovery Sport insurance cost in Minnesota cities

CityFull coverageMinimumvs. state
Minneapolis$1,580$525+15%
St. Paul$1,540$510+12%
Rochester$1,385$465+1%
Bloomington$1,470$485+7%
Duluth$1,340$450−3%
Brooklyn Park$1,495$495+9%
Woodbury$1,495$495+9%
Plymouth$1,475$490+7%

Land Rover Discovery Sport insurance in Minnesota by driver

Estimated annual Land Rover Discovery Sport premium in Minnesota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,255 $1,750 $3,785 $315
Young adult (22) $730 $1,020 $2,205 $184
Adult in their 30s $455 $635 $1,375 $115
Adult in their 50s $420 $585 $1,265 $105
Senior (72) $510 $715 $1,540 $128
30s, one at-fault accident $665 $925 $1,995 $166
30s, DUI on record $845 $1,180 $2,550 $213

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $455 $38 $375–$540
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $635 $53 $520–$750
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,375 $115 $1,130–$1,625

Minnesota minimum: 30/60/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Minnesota

ModelFull coverage in MNvs. Discovery Sport
BMW X3$1,340−3%
Infiniti QX60$1,315−4%
Infiniti QX50$1,385+1%
Infiniti QX80$1,440+5%

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Land Rover Discovery Sport insurance cost in every state · All Land Rover models

Frequently asked questions

How much is Land Rover Discovery Sport insurance in Minnesota?

About $1,375 a year ($115 a month) for full coverage and $455 for Minnesota's minimum liability, for a driver in their 30s with a clean record. That is 16% less than the national estimate for the same car.

Is the Land Rover Discovery Sport cheaper to insure than the average car in Minnesota?

The average vehicle in Minnesota is about $1,335 a year for full coverage in our model, so the Land Rover Discovery Sport is 3% more expensive than average.

Where in Minnesota is Land Rover Discovery Sport insurance cheapest?

Among the largest Minnesota cities, Duluth has the lowest estimate (about $1,340) and Minneapolis the highest (about $1,580).

What insurance do I need for a Land Rover Discovery Sport in Minnesota?

Minnesota requires at least 30/60/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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