Best Land Rover LR4 Car Insurance in 2024 (Check Out the Top 10 Companies)
The best Land Rover LR4 car insurance features top providers like Geico, USAA, and State Farm, offering rates as low as $85 per month. These companies stand out for their competitive pricing, strong customer service, and comprehensive coverage options, making them ideal for Land Rover LR4 owners.
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Aug 7, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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For the best Land Rover LR4 car insurance, Geico, USAA, and State Farm lead with rates starting at $85 per month. Geico is the top pick overall for its outstanding value and coverage options. Compare these providers to secure the most affordable and reliable insurance for your Land Rover LR4.
Besides the best Land Rover LR4 car insurance, the article also explores how to find cheap car insurance. It covers tips for comparing quotes, selecting coverage, and leveraging discounts to lower your premiums. Understanding these strategies can help you save significantly on your car insurance expenses.
Our Top 10 Company Picks: Best Land Rover LR4 Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Affordable Rates Geico
#2 10% A++ Military Savings USAA
#3 17% B Customer Service State Farm
#4 10% A+ Customizable Coverage Progressive
#5 20% A+ Strong Service Nationwide
#6 25% A+ Good Discounts Allstate
#7 25% A Extensive Options Liberty Mutual
#8 13% A++ Competitive Pricing Travelers
#9 20% A Personalized Service Farmers
#10 25% A Customer Satisfaction American Family
By entering your ZIP code above, you can get instant car insurance quotes from top providers.
- Best Land Rover LR4 Car Insurance starts at $85 per month
- Geico is the top pick for affordable Land Rover LR4 insurance
- Compare quotes to find the best value for your Land Rover LR4 coverage
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#1 – Geico: Top Pick Overall
Pros
- Affordable Premiums: Geico offers competitive monthly premiums for Land Rover LR4 coverage at $185, which is below the industry average for this vehicle, making it a cost-effective choice for many drivers. Learn more in our Geico car insurance review.
- Comprehensive Coverage Options: Geico provides a range of coverage options including liability, collision, and comprehensive coverage for Land Rover LR4 owners, ensuring extensive protection for various driving scenarios.
- Discount Opportunities: Geico offers multiple discounts such as for safe driving and security features, which can further lower the already affordable insurance rates for your Land Rover LR4.
Cons
- Limited Personalized Service: Geico’s large customer base may result in less personalized service for Land Rover LR4 policyholders compared to smaller insurers, potentially impacting the overall customer experience.
- Coverage Limitations: Some Land Rover LR4 owners might find that Geico’s coverage options are less customizable compared to other insurers, which might limit the ability to tailor a policy specifically to their needs.
Pros
- Competitive Rates: USAA provides a very competitive premium rate of $175 for Land Rover LR4 insurance, making it one of the most affordable options for eligible members.
- Excellent Coverage Options: USAA offers comprehensive coverage that includes liability, collision, and comprehensive protection for the Land Rover LR4, ensuring extensive coverage for various driving scenarios.
- Generous Discounts: USAA provides various discounts for Land Rover LR4 owners, including multi-vehicle and safe driving discounts, which can further reduce the overall insurance costs. Learn more in our USAA car insurance review.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members, veterans, and their families, which may exclude some Land Rover LR4 owners from accessing their competitive rates and comprehensive coverage.
- Limited Availability: USAA’s services might not be accessible in all states, potentially limiting options for Land Rover LR4 owners in certain locations who are looking for their affordable coverage.
#3 – State Farm: Best for Customer Service
Pros
- Wide Coverage Options: State Farm offers extensive coverage options for Land Rover LR4 owners, including liability, collision, and comprehensive coverage, catering to a wide range of insurance needs.
- Discounts for Safety Features: State Farm provides discounts for Land Rover LR4 owners who have advanced safety features in their vehicles, which can help lower insurance costs while maintaining high coverage levels. More information about their rates in our State Farm car insurance review.
- Strong Nationwide Presence: With a robust network of agents, State Farm ensures accessible support and local expertise for Land Rover LR4 insurance needs across various locations.
Cons
- Higher Premiums: At $190 per month, State Farm’s premiums for Land Rover LR4 insurance are higher compared to some other insurers, which may be a drawback for budget-conscious policyholders.
- No Pros for Customer Satisfaction: State Farm does not offer specific pros related to Land Rover LR4 customer satisfaction in this context, which might impact those seeking a high level of service in addition to competitive rates.
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#4 – Progressive: Best for Customizable Coverage
Pros
- Flexible Coverage Options: As mentioned in our Progressive car insurance review, Progressive provides a range of flexible coverage options for Land Rover LR4 owners, including customizable policies to fit individual needs and preferences.
- Discounts for Safe Driving: Progressive offers discounts for safe driving and having advanced safety features in your Land Rover LR4, which can significantly reduce the overall insurance costs.
- Snapshot Program: Progressive’s Snapshot program allows Land Rover LR4 owners to earn discounts based on their driving habits, potentially lowering insurance premiums through good driving behavior.
Cons
- Higher Monthly Premiums: Progressive’s monthly premiums for Land Rover LR4 insurance are relatively high at $200, which may be a disadvantage for those seeking more budget-friendly options.
- Complex Policy Options: The range of options and discounts available with Progressive can be overwhelming for some Land Rover LR4 owners, potentially leading to confusion during the policy selection process.
#5 – Nationwide: Best for Strong Service
Pros
- Comprehensive Coverage: Nationwide offers extensive coverage options for Land Rover LR4, including liability, collision, and comprehensive protection, ensuring robust coverage for various driving conditions.
- Multi-Policy Discounts: Nationwide provides discounts for Land Rover LR4 owners who bundle their auto insurance with other policies, such as home or renters insurance, leading to additional savings. Check out their ratings in our complete Nationwide car insurance discount.
- Reliable Customer Support: Nationwide’s customer service is known for being responsive and helpful, which can be beneficial for Land Rover LR4 owners needing assistance with their insurance policy.
Cons
- Higher Premium Rates: Nationwide’s insurance premiums for Land Rover LR4 are on the higher end at $210 per month, which may not be ideal for those looking to minimize their insurance expenses.
- Limited Customization: Some Land Rover LR4 owners may find Nationwide’s policy options less flexible compared to other insurers, potentially limiting their ability to tailor coverage to specific needs.
#6 – Allstate: Best for Good Discounts
Pros
- Extensive Coverage Options: Allstate offers a wide range of coverage options for Land Rover LR4, including liability, collision, and comprehensive coverage, providing comprehensive protection for various driving scenarios.
- Discounts for Vehicle Safety: As mentioned in our Allstate car insurance review, Allstate provides discounts for having safety features on your Land Rover LR4, such as anti-theft systems and advanced safety technologies, which can help reduce insurance costs.
- Local Agent Network: With a large network of local agents, Allstate offers personalized service and support for Land Rover LR4 owners, making it easier to get assistance and advice.
Cons
- Higher Insurance Costs: Allstate’s premiums for Land Rover LR4 insurance are among the highest at $220 per month, which may be a concern for those looking for more affordable insurance options.
- Potentially Higher Rates for Younger Drivers: Allstate may have higher rates for younger drivers or those with less driving experience, impacting the affordability of insurance for younger Land Rover LR4 owners.
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#7 – Liberty Mutual: Best for Extensive Options
Pros
- Comprehensive Coverage: Liberty Mutual provides comprehensive coverage for Land Rover LR4, including liability, collision, and comprehensive options, ensuring broad protection for various driving scenarios.
- Discounts for Bundling: Liberty Mutual offers discounts for bundling multiple policies, such as auto and home insurance, which can lead to significant savings for Land Rover LR4 owners.
- Flexible Payment Options: Liberty Mutual provides flexible payment options, allowing Land Rover LR4 owners to choose payment plans that fit their budget and financial preferences. Learn more in our Liberty Mutual car insurance review.
Cons
- Higher Premiums: At $230 per month, Liberty Mutual’s premiums for Land Rover LR4 insurance are on the higher end, which may not be ideal for those seeking more budget-friendly insurance solutions.
- Limited Customer Service Reviews: Some Land Rover LR4 owners may find Liberty Mutual’s customer service reviews mixed, which could impact their overall satisfaction with the insurance experience.
#8 – Travelers: Best for Competitive Pricing
Pros
- Wide Coverage Options: Travelers offers a broad range of coverage options for Land Rover LR4, including liability, collision, and comprehensive insurance, catering to various insurance needs. See more details on our Travelers car insurance review.
- Discounts for Safety Features: Travelers provides discounts for having advanced safety features on your Land Rover LR4, such as anti-lock brakes and airbags, which can lower insurance costs.
- Strong Financial Stability: Travelers is known for its strong financial stability, which can provide reassurance to Land Rover LR4 owners regarding the reliability and longevity of their insurance coverage.
Cons
- Higher Monthly Rates: Travelers’ monthly premiums for Land Rover LR4 insurance are relatively high at $240, which may be a drawback for those seeking more affordable insurance options.
- Limited Customization: Some Land Rover LR4 owners might find that Travelers’ policy options are less customizable compared to other insurers, potentially limiting the ability to tailor coverage to their specific needs.
#9 – Farmers: Best for Personalized Service
Pros
- Comprehensive Coverage: Farmers offers extensive coverage options for Land Rover LR4, including liability, collision, and comprehensive coverage, ensuring broad protection for various driving conditions.
- Multi-Policy Discounts: Farmers provides discounts for bundling auto insurance with other policies, such as home or renters insurance, which can result in significant savings for Land Rover LR4 owners. Learn more in our Farmers car insurance review.
- Customized Coverage Options: Farmers allows for a high degree of customization in insurance policies, enabling Land Rover LR4 owners to tailor their coverage to their specific needs and preferences.
Cons
- High Premiums: Farmers’ monthly premiums for Land Rover LR4 insurance are on the higher end at $250, which may be less appealing for those looking for more cost-effective insurance solutions.
- Mixed Customer Service Reviews: Some Land Rover LR4 owners may find that Farmers’ customer service reviews are mixed, which could impact their overall satisfaction with the insurance experience.
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#10 – American Family: Best for Customer Satisfaction
Pros
- Extensive Coverage Options: American Family provides a wide range of coverage options for Land Rover LR4, including liability, collision, and comprehensive coverage, offering robust protection for various driving scenarios. More information in our American Family car insurance review.
- Discounts for Safety Features: American Family offers discounts for having advanced safety features on your Land Rover LR4, such as anti-theft systems and advanced driver assistance technologies, which can reduce insurance costs.
- Flexible Payment Plans: American Family offers flexible payment plans for Land Rover LR4 insurance, allowing policyholders to choose a payment schedule that suits their budget and financial preferences.
Cons
- Higher Insurance Costs: At $260 per month, American Family’s premiums for Land Rover LR4 insurance are among the highest, which may be a concern for those seeking more affordable insurance options.
- Complex Policy Options: Some Land Rover LR4 owners might find American Family’s policy options complex and challenging to navigate, potentially leading to confusion during the insurance selection process.
Land Rover LR4 Insurance Cost
The table below compares monthly rates for minimum and full coverage car insurance for a Land Rover LR4 from various providers.
Land Rover LR4 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $110 $220
American Family $130 $260
Farmers $125 $250
Geico $90 $185
Liberty Mutual $115 $230
Nationwide $105 $210
Progressive $100 $200
State Farm $95 $190
Travelers $120 $240
USAA $85 $175
When choosing insurance for your Land Rover LR4, it’s crucial to compare both minimum and full coverage options from various providers to find the best fit for your needs. Selecting the right insurer can ensure you get comprehensive protection at a rate that suits your budget.
Understanding the impact of different deductible levels and risk factors can help you find the most cost-effective insurance for your Land Rover LR4. To manage your expenses better, consider exploring ways to lower your car insurance deductible.
Why Land Rover LR4s Expensive to Insure
The chart below details how Land Rover LR4 insurance rates compare to other SUVs like the Audi Q7, Nissan Armada, and Mercedes-Benz GLC 300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| Mercedes-Benz GLC 300 | $412 | $810 | $390 | $1,770 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| GMC Acadia | $294 | $470 | $372 | $1,294 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
The Land Rover LR4 tends to be more expensive to insure compared to other SUVs due to its higher comprehensive and collision coverage costs. Factors such as vehicle value, repair costs, and safety features play significant roles in these higher rates.
When evaluating your insurance options, consider how liability coverage impacts your overall expense. Choosing the right provider and coverage level can help manage these costs effectively.
Read More: Best Mercedes Car Insurance Rates
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Land Rover LR4 Insurance Cost Factors
The cost of insuring a Land Rover LR4 can be significantly influenced by the specific trim and model you select. For example, higher trim levels often come with advanced features and greater repair costs, which can increase insurance premiums.
Newer models may be more expensive to insure due to their higher value and advanced technology that might be costly to repair or replace.
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Choosing a trim with enhanced safety features could potentially reduce insurance costs, as some insurers offer discounts for vehicles equipped with advanced safety technologies.
Overall, understanding how different trims and models affect insurance rates can help you make a more informed decision and potentially lower your insurance expenses.
Age of the Vehicle
Older Land Rover LR4 models generally cost less to insure. For instance, insurance rates for more recent Land Rover LR4 models tend to be higher compared to earlier years.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2016 Land Rover LR4 | $368 | $668 | $430 | $1,624 |
| 2015 Land Rover LR4 | $348 | $646 | $442 | $1,594 |
| 2014 Land Rover LR4 | $334 | $598 | $452 | $1,542 |
| 2013 Land Rover LR4 | $320 | $564 | $456 | $1,498 |
| 2012 Land Rover LR4 | $308 | $506 | $460 | $1,432 |
| 2011 Land Rover LR4 | $288 | $466 | $460 | $1,372 |
| 2010 Land Rover LR4 | $278 | $436 | $464 | $1,336 |
This difference is often attributed to the higher value and advanced technology of newer models, which can increase repair and replacement costs. As a result, selecting an older model can lead to more affordable insurance premiums.
Driver Age
Driver age can have a significant impact on Land Rover LR4 auto insurance rates. Younger drivers, particularly those in their early twenties, often face much higher premiums compared to more experienced drivers in their thirties.
This increase is due to the higher risk associated with younger drivers, which insurers factor into their rate calculations. Consequently, insurance costs can vary significantly based on the driver’s age and driving experience.
Driver Location
Where you live can have a large impact on Land Rover LR4 insurance rates. For example, drivers in Los Angeles may pay $74 a month more than drivers in Phoenix.
Where you live can greatly affect your Land Rover LR4 insurance rates, with urban areas often leading to higher premiums compared to smaller cities. To manage your costs effectively, it’s important to consider how your location influences your insurance expenses.
Your Driving Record
Your driving record can have an impact on the cost of Land Rover LR4 car insurance. Teens and drivers in their 20’s see the highest jump in their Land Rover LR4 car insurance with violations on their driving record.
Your driving record significantly impacts the cost of insuring a Land Rover LR4, with violations and accidents leading to higher premiums. Maintaining a clean driving record is crucial for keeping your insurance costs manageable.
Land Rover LR4 Safety Features
Land Rover LR4 safety features can lower the cost of your insurance. The safety features for the 2016 Land Rover LR4 include:
- Terrain response, ESC, and RSC
- ABS, traction control, and low tire pressure warning
- Dual-stage front and side air bags, curtain air bags
- Rear parking sensors and back-up camera
- Front safety belts with adjusters and child safety locks
The Land Rover LR4’s advanced safety features contribute to both enhanced protection and potentially lower insurance premiums. Investing in these features can lead to significant savings on your insurance costs.
Land Rover LR4 Insurance Loss Probability
Another contributing factor that affects Land Rover LR4 car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -13% |
|---|---|
| Property Damage | 5% |
| Comprehensive | 34% |
| Personal Injury | -53% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Understanding the loss probability for different types of coverage can help you better anticipate your Land Rover LR4 insurance costs. These factors play a crucial role in determining your overall insurance rate.
Read More: What are the pros and cons of PIP insurance?
Land Rover LR4 Finance and Insurance Cost
If you are financing a Land Rover LR4, most lenders will require your carry higher Land Rover LR4 coverages including comprehensive coverage, so be sure to compare Land Rover LR4 car insurance rates from the best companies using our free tool below.
Read More: Where can I easily finding quick car insurance quotes?
Ways to Save on Land Rover LR4 Insurance
If you want to reduce the cost of your Land Rover LR4 insurance rates, follow these tips below:
- Buy your Land Rover LR4 with cash, or get a shorter-term loan.
- Ask about Land Rover LR4 safety discounts.
- Apply for your full, unrestricted license as soon as you’re eligible.
- Renew your Land Rover LR4 insurance coverage to avoid lapses.
- Reduce modifications on your Land Rover LR4.
By following these tips, you can effectively lower your Land Rover LR4 insurance costs. Implementing these strategies will help you secure better rates while ensuring comprehensive coverage for your vehicle.
These discounts from top insurance providers for Land Rover LR4 help car owners save money while ensuring comprehensive coverage and road safety.
Safe driver car insurance discounts can further reduce premiums for clean driving records and advanced safety features. Taking advantage of these offers maximizes savings while protecting your Land Rover LR4.
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Top Land Rover LR4 Insurance Companies
Who is the top auto insurance company for Land Rover LR4 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Land Rover LR4 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Land Rover LR4 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
How much does car insurance for a Land Rover LR4 cost?
The cost of car insurance for a Land Rover LR4 can vary depending on various factors such as your location, driving history, coverage options, and the insurance provider you choose. To get an accurate estimate, it’s best to request quotes from different insurance companies and compare their rates.
What are the common coverage options for Land Rover LR4 Car Insurance?
Typical coverage options include liability, collision, comprehensive, and uninsured motorist coverage. Each provides different levels of protection.
How does the age of my Land Rover LR4 influence insurance premiums?
Newer models usually cost more to insure due to their higher value and repair costs. Older models may have lower premiums.
What are the top features to look for in the best Land Rover LR4 car insurance?
Look for comprehensive and collision coverage, high claim satisfaction, and discounts for safety features. Customizable coverage options and strong customer service are also key.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
What factors can affect the cost of Land Rover LR4 Car Insurance?
Factors include vehicle age, driver age, location, driving record, and the specific trim and features of the LR4.
Read More: What is the difference between car make vs. model?
Does the Land Rover LR4’s trim level affect insurance rates?
Yes, higher trim levels often mean higher premiums due to increased repair costs and vehicle value. Lower trims may offer lower insurance rates.
Are there any discounts available for Land Rover LR4 Car Insurance?
Yes, discounts may include safe driver discounts, multi-policy discounts, and those for advanced safety features. Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
How does financing a Land Rover LR4 affect my car insurance requirements?
Financing a Land Rover LR4 usually requires full coverage insurance, including comprehensive and collision, to protect the lender’s investment.
How can I find affordable Land Rover LR4 Car Insurance?
Compare quotes from different providers, look for discounts, and consider increasing your deductible to find more affordable options.
What role does my driving history play in determining Land Rover LR4 insurance rates?
Your driving history affects rates significantly. A clean record can lower premiums, while violations or accidents can increase them.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
