- Land Rover Discovery insurance costs an average of $3,100 per year, or around $258 per month for full coverage.
- When compared to other midsize luxury SUVs, the Land Rover Discovery is one of the more expensive midsize luxury SUVs to insure, costing $250 more per year on average.
- With the cheapest insurance rates, the Discovery P300 S trim level costs an estimated $2,932 per year to insure.
- At the high end, the Discovery Metropolitan Edition is the most expensive to insure at $3,296 for an annual policy.
How much does Land Rover Discovery car insurance cost?
Discovery car insurance costs an average of $3,100 a year, which is the equivalent of $258 a month. Comprehensive (or other-than-collision) coverage will cost around $756 a year, liability and medical payments insurance is an estimated $636, and the remaining collision insurance will cost approximately $1,708.
The following chart displays average car insurance cost for a 2024 Land Rover Discovery using different risk profiles and driver ages.
How does the Discovery compare to other luxury SUVs?
When rates are compared to the top-selling vehicles in the midsize luxury SUV segment, insurance for a Land Rover Discovery costs $694 more per year than the Lexus RX 350, $188 more than the Audi Q7 $704 more than the Acura MDX, and $836 more than the Cadillac XT5.
The Discovery ranks 32nd out of 41 comparison vehicles in the midsize luxury SUV category. The Discovery costs an average of $3,100 per year to insure and the category average is $2,850 annually, a difference of $250 per year.
The table below compares average Land Rover Discovery insurance cost to the entire midsize luxury SUV market.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$858 |
| 2 | Cadillac XT5 | $2,264 | -$836 |
| 3 | Infiniti QX50 | $2,330 | -$770 |
| 4 | Cadillac XT6 | $2,348 | -$752 |
| 5 | Infiniti QX60 | $2,358 | -$742 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | -$736 |
| 7 | Acura MDX | $2,396 | -$704 |
| 8 | Lexus RX 350 | $2,406 | -$694 |
| 9 | Lexus TX 350 | $2,440 | -$660 |
| 10 | Lexus RX 350h | $2,468 | -$632 |
| 11 | Lexus TX 500h | $2,506 | -$594 |
| 12 | Lexus RX 500h | $2,514 | -$586 |
| 13 | Lincoln Nautilus | $2,534 | -$566 |
| 14 | Lexus RX 450h | $2,538 | -$562 |
| 15 | Volvo V90 | $2,558 | -$542 |
| 16 | Audi SQ5 | $2,646 | -$454 |
| 17 | Mercedes-Benz GLE350 | $2,680 | -$420 |
| 18 | Lincoln Aviator | $2,698 | -$402 |
| 19 | Lexus GX 550 | $2,728 | -$372 |
| 20 | Volvo V60 | $2,808 | -$292 |
| 21 | Land Rover Discovery Sport | $2,814 | -$286 |
| 22 | Mercedes-Benz GLE450 | $2,826 | -$274 |
| 23 | Cadillac Lyriq | $2,852 | -$248 |
| 24 | Volvo EX90 | $2,876 | -$224 |
| 25 | Audi Q7 | $2,912 | -$188 |
| 26 | Genesis GV80 | $2,926 | -$174 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | -$162 |
| 28 | Audi e-tron | $2,994 | -$106 |
| 29 | Tesla Model X | $3,016 | -$84 |
| 30 | BMW X5 | $3,068 | -$32 |
| 31 | Audi Q8 | $3,082 | -$18 |
| 32 | Land Rover Discovery | $3,100 | -- |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $20 |
| 34 | Audi SQ7 | $3,224 | $124 |
| 35 | BMW iX | $3,272 | $172 |
| 36 | BMW X6 | $3,350 | $250 |
| 37 | Land Rover Range Rover Sport | $3,492 | $392 |
| 38 | Audi RS 6 | $3,564 | $464 |
| 39 | Porsche Cayenne | $3,594 | $494 |
| 40 | BMW XM | $3,938 | $838 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $946 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
Which Discovery model is cheapest to insure?
The cheapest model of Land Rover Discovery to insure is the P300 S at around $2,932 per year. The second cheapest model is the P300 Dynamic SE also at $3,030 per year, and the third cheapest model to insure is the P360 Dynamic SE at $3,144 per year.
The two most expensive Land Rover Discovery models to insure are the Discovery P360 Dynamic SE and the Metropolitan Edition trim levels at an estimated $3,144 and $3,296 per year, respectively.
The table below shows average car insurance rates for yearly and semi-annual policy terms, in addition to a monthly budget figure, for each Land Rover Discovery package and trim level.
| 2024 Land Rover Discovery Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| P300 S | $2,932 | $244 |
| P300 Dynamic SE | $3,030 | $253 |
| P360 Dynamic SE | $3,144 | $262 |
| Metropolitan Edition | $3,296 | $275 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Some additional insurance rates and discounts include:
- High-risk drivers pay a lot more for insurance. For a 50-year-old driver, having too many accidents or violations increases the cost by $3,658 or more per year.
- Bring up your credit score to save money. In states that allow credit history to be used as a factor in determining car insurance rates, insureds with excellent credit scores of 800+ could save as much as $487 per year versus a decent credit rating of 670-739. Conversely, a credit score below 579 could cost up to $564 more per year.
- Raising deductibles makes insurance more affordable. Increasing your deductibles from $500 to $1,000 could save around $556 per year for a 40-year-old driver and $1,114 per year for a 20-year-old driver.
- Low deductibles will increase rates. Decreasing your policy deductibles from $500 to $250 could cost an additional $586 per year for a 40-year-old driver and $1,186 per year for a 20-year-old driver.
- Land Rover Discovery insurance rates for teenagers are high. Average rates for full coverage Discovery insurance costs $10,934 per year for a 16-year-old driver, $10,702 per year for a 17-year-old driver, and $9,784 per year for an 18-year-old driver.
- Rates trend downward as age increases. The difference in 2024 Discovery insurance rates between a 60-year-old driver ($2,554 per year) and a 30-year-old driver ($3,324 per year) is $770, or a savings of 26.2%.
- Policy discounts mean cheaper Discovery insurance. Discounts may be available if the insureds are loyal customers, belong to certain professional organizations, insure their home and car with the same company, are homeowners, or many other discounts which could save the average driver as much as $528 per year.
- Obey the law and pay less. If you want the most affordable Discovery insurance rates, it pays to obey traffic laws. In fact, just a few moving violations have the potential to raise policy rates by at least $824 per year.