Land Rover Discovery Insurance Cost in Georgia

Insuring a Land Rover Discovery in Georgia costs about $1,995 a year ($166/month) for full coverage by our estimate — +20% versus the same car nationally — the 6th most expensive of 51 states for this model.

Land Rover Discovery (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 in Georgia at a glance

Full coverage

$1,995

$1,635–$2,350

25/50/25 minimum

$775

$65/mo

Same car nationally

$1,665

full coverage

Avg. car in GA

$1,965

+2% for the Discovery

The Land Rover Discovery is 2% more expensive than the average vehicle to insure in Georgia, reflecting HLDI collision losses of 116 and comprehensive losses of 157 (100 = average). Georgia's own base rates are 21% higher than the national average, which carries through to every model.

Georgia factors that affect Discovery premiums

Uninsured drivers: 19.0% of Georgia drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Discovery.
Theft: 163 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Georgia's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.15 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Georgia →

Land Rover Discovery insurance cost in Georgia cities

City	Full coverage	Minimum	vs. state
Atlanta	$2,240	$870	+12%
Columbus	$1,955	$760	−2%
Augusta	$1,935	$750	−3%
Macon	$1,940	$755	−3%
Savannah	$2,000	$775	0%
Athens	$1,965	$765	−2%
South Fulton	$2,220	$860	+11%
Sandy Springs	$2,190	$850	+10%
Roswell	$2,185	$845	+10%
Alpharetta	$2,185	$845	+10%
Albany	$1,960	$765	−2%
Marietta	$2,215	$860	+11%
Valdosta	$1,905	$745	−5%
Gainesville	$2,065	$805	+4%
LaGrange	$1,950	$765	−2%

Land Rover Discovery insurance in Georgia by driver

Estimated annual Land Rover Discovery premium in Georgia
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,130	$3,085	$5,480	$457
Young adult (22)	$1,240	$1,795	$3,190	$266
Adult in their 30s	$775	$1,125	$1,995	$166
Adult in their 50s	$710	$1,035	$1,835	$153
Senior (72)	$865	$1,255	$2,230	$186
30s, one at-fault accident	$1,125	$1,630	$2,890	$241
30s, DUI on record	$1,430	$2,075	$3,685	$307

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$775	$65	$635–$915
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,125	$94	$920–$1,325
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,995	$166	$1,635–$2,350

Georgia minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Georgia

Model	Full coverage in GA	vs. Discovery
BMW X5	$2,020	+1%
Cadillac Escalade	$1,975	−1%
Lincoln Navigator	$1,950	−2%
BMW X6	$2,715	+36%

Estimate your Discovery premium by 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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Land Rover Discovery insurance cost in every state · All Land Rover models

Frequently asked questions

How much is Land Rover Discovery insurance in Georgia?

About $1,995 a year ($166 a month) for full coverage and $775 for Georgia's minimum liability, for a driver in their 30s with a clean record. That is 20% more than the national estimate for the same car.

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

The average vehicle in Georgia is about $1,965 a year for full coverage in our model, so the Land Rover Discovery is 2% more expensive than average.

Where in Georgia is Land Rover Discovery insurance cheapest?

Among the largest Georgia cities, Valdosta has the lowest estimate (about $1,905) and Atlanta the highest (about $2,240).

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

Georgia requires at least 25/50/25 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