
Land Rover Discovery Sport insurance typically costs about $1,610 annually on average; you may be able to reduce this cost by finding discounts, lowering coverage limits and maintaining a clean driving history.
Other variables affecting your insurance costs include age and location. Your choice between state minimum coverage or full coverage could also have an effect.
Insurance Costs by Model
Land Rover SUVs are known for their off-road capabilities and luxurious interiors, but can also be among the more expensive vehicles to insure. Audi Q7 2.0T Quattro Premium and Jeep Grand Laredo E are two more cost-effective SUV options when purchasing insurance policy coverage; Land Rover Discovery cars typically incur higher premiums due to their high MSRP or luxurious features compared to competing automakers' comparable vehicles.
Insurance costs depend on factors like vehicle, state, age and driver age as well as mileage driven. On average, Land Rover Discovery Sport car insurance rates fall below industry average with an estimate of an annual premium costing $1,694. This estimate assumes full coverage, good credit score and 13,000 annual miles driven per year with full coverage but doesn't take into account multi-car or safe driver discounts that may apply.
Your choice of coverage will also have an effect on your car insurance rates. Liability only coverage could be less expensive than full coverage as it doesn't protect against accidents that you cause yourself, though if your driving record contains many violations then its cost could increase substantially; you could lower these by improving it or taking defensive driving classes.
If you want the lowest car insurance rates for your Land Rover Discovery Sport, make sure you compare quotes from multiple companies. Enter your zip code into The Zebra's car insurance calculator to compare quotes from top national carriers and find out exactly how much it will cost with various coverage types and deductibles.
Some of the more cost-effective insurers for Land Rover Discovery Sport vehicles include Mile Auto, NationalGeneral, Gainsco, Clearcover and MetroMile. You can use The Zebra's car insurance comparison tool to access quotes from these and other insurance providers to find your ideal rate.
Insurance Costs by Trim
Land Rover Discovery Sport SUVs are highly customizable luxury cars, providing buyers with many ways to personalize them to suit their preferences and budget. Options like adding additional safety features or upgrading the interior make this car suitable for every need and taste; however, extra upgrades may increase insurance rates as insurers assess factors like repair costs and risk of theft/damage when setting their rates.
As such, the cost to insure a Land Rover Discovery Sport can differ widely depending on its trim level and options chosen. On average, drivers can anticipate spending approximately $1,694 annually for an annual policy with this midsize luxury SUV; however there are ways of lowering this figure such as taking advantage of discounts, trying out telematics systems or keeping a clean driving record.
Insurers may alter your rate depending on both its value and age of model. Older vehicles typically cost less to insure because their value has depreciated with time; newer cars tend to cost more due to higher values being stolen more frequently.
Your driving history plays a part in determining the price of Land Rover Discovery Sport car insurance, too. Drivers involved in accidents or tickets typically see their premiums increase while those without any driving issues typically see lower premiums - however, each carrier weighs these factors differently so it's wise to shop around and compare quotes from multiple insurers in order to find the most competitive deals.
Costing of insuring a Land Rover Discovery Sports depends on its coverage and driver age, with liability only insurance costs typically falling around $73 monthly, while full coverage policies cost up to $183 monthly on average. Hugo offered liability only insurance at prices as low as $20 monthly! For personalized quotes enter your ZIP code below and we will deliver multiple offers within minutes!
Insurance Costs by State
Land Rover Discovery Sport car insurance rates can differ considerably by state. This is because vehicle location plays a large part in how insurers calculate risk. Drivers living in busy cities have higher risks of an accident, thus they must pay more. Furthermore, insurers take weather patterns into consideration when setting rates as severe storms can damage both property and vehicles severely.
Land Rover Discovery car insurance policies depend heavily on a driver's driving record, which insurers view as an indicator of risk. They offer low rates to drivers with spotless records while those who commit traffic offenses such as DUI are required to pay higher premiums; taking defensive driving courses or improving their skills may help limit these effects of poor driving.
Age also plays a key role in determining auto insurance costs. Younger drivers tend to pay more due to less experience on the road and increased chances of an accident; as drivers age their rates decrease.
Not only can drivers obtain standard liability coverage, they may also consider purchasing comprehensive and collision coverage as extra layers of protection for their vehicle. Although not required by all states, comprehensive and collision policies provide financial coverage if your car is damaged by uninsured or underinsured drivers - plus these coverage types may even be necessary if leasing or financing it with lenders - so it is wise to weigh the benefits carefully when deciding upon car insurance policy options.
Insurance Costs by Carrier
Land Rover Discovery Sport car insurance can be expensive, but there are ways to find affordable rates. Compare quotes from different carriers and select the best deal, keep your driving record clear by avoiding tickets or accidents and use telematics tracking your driving habits to earn rewards - or try to achieve a good credit score to help reduce insurance costs further.
Age can have a direct impact on how much car insurance costs. Newer vehicles tend to cost more due to their increased value versus older models. Older models will become cheaper to insure over time as they depreciate; for instance, an average Land Rover Discovery's insurance cost per year averages at approximately $1,694, though this may differ depending on factors like location and driving record.
California drivers tend to insure for higher values than New York drivers, leading them to pay less overall on average for car insurance. Model year of your vehicle also plays a factor; insuring a 2020 Discovery Sport may cost more than insuring a 2017 Discovery Sport model, for example. When making this decision, consider whether just liability coverage or full coverage suits your needs best; state minimum policies tend to be cheaper but won't protect your car as effectively against comprehensive and collision claims.
Men typically pay more for car insurance than women, which holds true with the Discovery Sport. However, this difference tends to be smaller than overall costs due to women being safer drivers overall and thus incurring lower claims costs on average.
Your Land Rover Discovery Sport's safety features also have a bearing on its insurance premium. A vehicle equipped with a rearview camera should cost less to insure than one without this feature, and other factors may influence your rates such as passive restraint systems, anti-lock brakes and airbags. Furthermore, equipping it with GPS tracking devices could potentially lower its premium further still.