How Much Does It Cost to Insure a Land Rover Discovery?

How Much Does It Cost to Insure a Land Rover Discovery?

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The average cost of car insurance for a Land Rover Discovery is $1,751 for a six-month policy. Our review of Land Rover Discovery quotes found that State Farm offers the most affordable car insurance policy for this car, asking 42% less than the average for a six-month policy.

The Land Rover Discovery is an expensive car to insure, as might be expected of a luxury SUV. The average cost of a car insurance policy is $937 for a full year — far less than the average cost of insuring a Land Rover Discovery for six months.

These quotes reflect the expense of the vehicle itself: The manufacturer's suggested retail price (MSRP) for a 2020 Discovery SE is $52,300. Read on for more detail on how much it costs to insure a Land Rover Discovery.

Which insurer has the cheapest auto insurance for a Discovery SE?

After reviewing quotes from four major insurers, we found that State Farm offers the best rate for a Discovery. State Farm charges an average of $1,020 for a six-month auto insurance policy. That's 42% cheaper than the $1,751 average cost of insurance for this Land Rover vehicle.

Cheapest car insurance Discovery SE

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USAA offers the second-most affordable car insurance policy for the Land Rover Discovery. USAA policyholders will pay $1,092 on average to insure their Land Rover Discovery — 38% less than average. USAA only works with military members, veterans and their families, however, which means those who fall outside those parameters will need to look elsewhere.

InsurerAverage cost of six-month policy
State Farm$1,020
All quotes for 2020 Discovery SE.

The most expensive six-month auto insurance policy for a Discovery SE comes from Allstate. Customers will pay $3,179 on average to insure a Land Rover Discovery SE for six months — 82% more than the average cost. This huge range in costs shows why it's important to shop around for an auto insurance policy to get your best rates.

Which Land Rover is most expensive to insure: the Discovery SE vs. the Discovery Sport vs. the Range Rover?

Consumers who want to lower their auto insurance costs on a new Land Rover should consider the 2020 Discovery Sport. A compact SUV, the Discovery Sport has an MSRP of $37,800 and an average insurance cost of $1,346 for a six-month policy. That makes it $14,500 cheaper to buy and $405 cheaper to insure than the 2020 Discovery SE.

ModelAverage cost of six-month policyMSRP
Discovery SE$1,751$52,300
Discovery Sport$1,345$37,800
Range Rover Evoq S$1,663$42,650
Range Rover Velar S$1,828$56,300
Insurance data only available for hybrid version of 2020 Evoq S.

Most Range Rover models have a higher MSRP than the Discovery or the Discovery Sport, which means they are more expensive to insure. Land Rover released four different versions of the Range Rover in 2020, and our research included quotes from the two most affordable base models: the Range Rover Evoq S and the Range Rover Velar S.

On average, it costs $1,663 to insure the Range Rover Evoq S and $1,828 to insure the Range Rover Velar S for six months. If you want to purchase a Range Rover but keep your insurance costs down, we'd recommend these two models.

How does model year impact auto insurance costs for a Land Rover Discovery?

Land Rover Discovery insurance costs decrease depending on how old your model is. It costs an average of $1,139 to insure a 2017 Land Rover Discovery, making this older model just over a third (35%) less expensive to insure than the 2020 Land Rover Discovery SE.

Model yearAverage cost of six-month policy
2017 Land Rover Discovery$1,139
2019 Land Rover Discovery SE$1,665
2020 Land Rover Discovery SE$1,751
All cars are the base model for the year indicated. No insurance data was available for the 2018 Discovery; therefore, it is not included in this table.

The difference between the 2019 and 2020 Discovery models is less significant: It only costs 5% less to insure a 2019 Discovery SE versus a 2020 model.

If you already own an older model of the Discovery, however, and are shopping for cheap insurance, State Farm is still your best bet. The insurer offers the lowest rates of the companies we considered not only for the 2020 Discovery, but for the 2017 and 2019 models as well.

How much is car insurance for a Land Rover Discovery vs. other luxury SUVs?

The Land Rover Discovery is among the more expensive luxury SUVs to insure. Competitors offer more affordable SUVs to drivers looking to reduce their upfront and insurance costs.

ModelAverage cost of six-month policyMSRP
2020 Land Rover Discovery SE$1,751$52,300
2020 Jeep Grand Cherokee Laredo E$1,043$34,000
2020 Ford Explorer$1,280$32,765
2020 Audi Q7 2.0T Quattro Premium$1,954$54,800
All cars except Jeep include turbo engine.

The Land Rover Discovery SE and the Audi Q7 2.0T Quattro Premium are both made overseas — a factor that drives up their MSRP and the cost of insuring them. The Jeep Grand Laredo E and the Ford Explorer, by contrast, are both made in the United States. This makes it easier for insurers to cover the cost of repairs and causes them to lower monthly premiums.

State Farm offers the best deal for all of these cars, offering far lower average rates than the other insurers in our study. It costs 36% less than average to insure a Jeep Grand Cherokee with State Farm and 40% less than average to insure a 2020 Audi Q7 2.0 Quattro Premium. If you're in the market for a luxury SUV, consider insuring your car with State Farm.


We collected quotes from four major national insurers, looking at the average insurance costs for the base model of the 2020 Land Rover Discovery in model years 2017, 2019 and 2020. To compare the Discovery to another popular Land Rover, we looked at 2020 quotes for the Range Rover Evoq S and the Range Rover Velar S, since these were the two most affordable Range Rovers released in 2020.

Additionally, we gathered quotes for the 2020 base model of several competitor cars, including the Audi Q7 2.0T Quattro Premium, the Ford Explorer and the Jeep Grand Cherokee Laredo E.

Our sample driver was a 30-year-old male who started driving at age 16. He has a clean driving record and a fair credit score. Quotes were drawn from all available ZIP codes in Texas.

All car insurance quotes include the following coverages:

Liability, bodily injury$50,000 per person/$100,000 per accident
Liability, property damage$25,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Uninsured/underinsured motorist property damageNot included
Comprehensive$500 deductible
Collision$500 deductible
Personal injury protection (PIP)/medical paymentsNot included
All other coverages (e.g., towing and loss of use)Not included

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Nancy is a Technical Writer at ValuePenguin, focusing primarily on auto insurance. Prior to joining the ValuePenguin team, she worked as a public relations professional, helping clients develop and publish op-eds in outlets such as CNN, U.S. News and USA Today. She holds a master's degree in English from Georgetown University.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.