2008 Land Rover Discovery - car insurance quotes

How much does it cost to insure a  Land Rover Discovery 3.9 ES Automatic 3.950 cc in 2023?

---

The average insurance rate is at $2,133 per year for  adults, $3,539 for  teens and $1,770 for  senior drivers.

How much does 2008 Land Rover Discovery car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Land Rover Discovery (3.9 ES Automatic) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Land Rover Discovery is above $148 a month ($1.778 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Land Rover you drive (https://www.landrover.com/market-selector/index.html)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Land Rover model with engine power engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Land Rover Discovery if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2008 Land Rover Discovery is $148 a month, which is around $1.778 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2008 Land Rover Discovery is a 16 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Discovery (2008) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Discovery cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

---

Your vehicle's performance is another important factor that determines your auto insurance rates. Land Rover Discovery, 3.9 ES Automatic has engine power of 3950 cc, which means it's a high performance car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$1,311	$1,264
GEICO	$964	$885
Nationwide	$1,406	$1,106
Progressive	$585	$474
State Farm	$790	$585
Texas Farm Bureau	$1,311	$1,059
USAA	$1,043	$885
* Rough estimate for a new vs 16 years old used Land Rover Discovery, 3.9 ES Automatic. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2008 Land Rover Discovery car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Land-Rover, Discovery is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Land Rover (made in 2008) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Land Rover Discovery auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2008 Land Rover Discovery in 2023? As you can see below, the lowest rates are around $1580, while the highest ones fluctuate around $3318 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$1,683
American Family	$1,643
Erie	$1,642
Progressive	$1,934
State Farm	$2,130
Auto Owners	$1,893
State Auto	$2,244
Nationwide	$2,182
Farmers	$1,904
Allstate	$2,700
Safe Auto	$2,858
MetLife	$3,049
Victoria	$3,236
Allied	$2,283
Liberty Mutual	$2,722
Encompass	$3,389
* Just a rough estimate for 2008 Land Rover Discovery, 3.9 ES Automatic

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Discovery, make Land Rover) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Land-Rover, Discovery will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2008 Discovery car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2008 Land Rover Discovery auto insurance rates by state!

How to calculate premium for Land Rover Discovery (2008) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2008 Discovery (3.9 ES Automatic) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$1,185	$1,659
2	Ohio	$1,201	$1,691
3	Idaho	$1,232	$1,738
4	Virginia	$1,280	$1,817
5	Iowa	$1,327	$1,880
6	New Hampshire	$1,390	$1,912
7	Wisconsin	$1,406	$1,959
8	North Dakota	$1,438	$2,070
9	Indiana	$1,469	$2,180
10	North Carolina	$1,501	$2,259
11	Pennsylvania	$1,517	$2,386
12	Utah	$1,548	$2,417
13	Maine	$1,564	$2,465
14	Massachusetts	$1,596	$2,512
15	Alaska	$1,612	$2,544
16	Tennessee	$1,627	$2,607
17	South Dakota	$1,643	$2,749
18	Nebraska	$1,659	$2,828
19	Minnesota	$1,675	$2,876
20	Illinois	$1,675	$2,923
21	Hawaii	$1,691	$2,986
22	Alabama	$1,706	$3,034
23	Oregon	$1,722	$3,081
24	Missouri	$1,738	$3,192
25	Washington	$1,817	$3,302
26	South Carolina	$1,833	$3,381
27	Kansas	$1,880	$3,444
28	New Mexico	$1,912	$3,523
29	Arizona	$1,959	$3,555
30	New York	$1,991	$3,571
31	National average	$2,054	$3,618
32	New Jersey	$2,086	$3,729
33	West Virginia	$2,149	$3,760
34	Mississippi	$2,196	$3,808
35	Maryland	$2,244	$3,855
36	Montana	$2,307	$3,934
37	Nevada	$2,354	$3,966
38	Arkansas	$2,386	$4,029
39	Kentucky	$2,402	$4,092
40	Oklahoma	$2,481	$4,140
41	Wyoming	$2,528	$4,171
42	Colorado	$2,591	$4,250
43	Texas	$2,639	$4,282
44	Delaware	$2,702	$4,345
45	Georgia	$2,765	$4,361
46	California	$2,828	$4,408
47	DC	$2,876	$4,440
48	Connecticut	$2,939	$4,487
49	Rhode Island	$2,970	$4,503
50	Florida	$3,018	$4,598
51	Louisiana	$3,081	$4,661
52	Michigan	$3,144	$4,740
* Compare 2008 Land Rover Discovery car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2008 Land Rover Discovery (Automatic transmission, 2600 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Land Rover Discovery annual insurance cost for a 16 year old is approximately $3634, while the cost of the same coverage for seniors aged 70 - 74 is $1674.8. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Land-Rover, Discovery have 3950 cc, engine power ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$3,476
20 - 24	$3,381
25 - 29	$2,844
30 - 34	$2,449
35 – 39	$1,975
40 – 44	$2,054
45 – 49	$1,880
50 – 54	$1,643
55 – 59	$2,022
60 – 64	$1,691
65 – 69	$1,770
70 – 74	$1,596
75 and more	$1,643
* Rough estimate for teens, adults and seniors who are driving Land Rover Discovery (2008)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $1,343 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Land-Rover, Discovery good for senior drivers? If you have questions or issues relevant to Land Rover Discovery or another vehicle, please ask in the discussion.

You know you need to insure your 2008 4WD Land-Rover, Discovery, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Land Rover Discovery: Exterior Specs, Features & Options

The engine of Land-Rover, Discovery (8 cyl) is mated to a Automatic transmission, that in this case, sends power to the 4WD. Discovery SUV, 3950 CC (liter), engine power ps (98.6% of a brake horsepower) is matched to an 3.9 ES Automatic for 2008. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Land-Rover, Discovery has horsepower of engine power ps & 3950 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 3.9 ES Automatic has an engine torque of 340 nm & 2600 rpm. The power and maximum speed of the Land Rover Discovery vehicle (12.8/100 Kph & 170 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (2175 kg is the weight of this model), its engine torque and the engine rotation speed.