Land Rover Discovery Insurance Cost in New York

Insuring a Land Rover Discovery in New York costs about $2,165 a year ($180/month) for full coverage by our estimate — +30% versus the same car nationally — the 3rd 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 New York at a glance

Full coverage

$2,165

$1,775–$2,550

25/50/10 minimum

$825

$69/mo

Same car nationally

$1,665

full coverage

Avg. car in NY

$2,130

+2% for the Discovery

The Land Rover Discovery is 2% more expensive than the average vehicle to insure in New York, reflecting HLDI collision losses of 116 and comprehensive losses of 157 (100 = average). New York's own base rates are 37% higher than the national average, which carries through to every model.

New York factors that affect Discovery premiums

Uninsured drivers: 8.6% of New York drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Discovery.
Theft: 126 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates New York's expected annual losses as relatively low for hail, relatively moderate for tornado, relatively moderate for hurricane, relatively high for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 0.91 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 New York →

Land Rover Discovery insurance cost in New York cities

City	Full coverage	Minimum	vs. state
New York City	$2,630	$1,005	+21%
Buffalo	$1,995	$770	−8%
Yonkers	$2,390	$920	+10%
Rochester	$1,960	$755	−9%
Syracuse	$1,950	$745	−10%
Albany	$1,955	$755	−10%
New Rochelle	$2,280	$875	+5%
Mount Vernon	$2,420	$930	+12%
Plattsburgh	$1,855	$720	−14%

Land Rover Discovery insurance in New York by driver

Estimated annual Land Rover Discovery premium in New York
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,270	$3,295	$5,950	$496
Young adult (22)	$1,320	$1,915	$3,460	$288
Adult in their 30s	$825	$1,195	$2,165	$180
Adult in their 50s	$760	$1,100	$1,990	$166
Senior (72)	$925	$1,340	$2,420	$202
30s, one at-fault accident	$1,195	$1,735	$3,135	$261
30s, DUI on record	$1,530	$2,215	$4,000	$333

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.	$825	$69	$675–$975
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,195	$100	$980–$1,415
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,165	$180	$1,775–$2,550

New York minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in New York

Model	Full coverage in NY	vs. Discovery
BMW X5	$2,190	+1%
Cadillac Escalade	$2,145	−1%
Lincoln Navigator	$2,120	−2%
BMW X6	$2,960	+37%

Estimate your Discovery premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

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

Estimated annual premium

—

Per month

—

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

Frequently asked questions

How much is Land Rover Discovery insurance in New York?

About $2,165 a year ($180 a month) for full coverage and $825 for New York's minimum liability, for a driver in their 30s with a clean record. That is 30% more than the national estimate for the same car.

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

The average vehicle in New York is about $2,130 a year for full coverage in our model, so the Land Rover Discovery is 2% more expensive than average.

Where in New York is Land Rover Discovery insurance cheapest?

Among the largest New York cities, Plattsburgh has the lowest estimate (about $1,855) and New York City the highest (about $2,630).

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

New York requires at least 25/50/10 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