Cheap Land Rover LR4 Car Insurance in 2024 (Big Savings With These 10 Companies!)
Auto-Owners, Mercury, and Safeco top the list for cheap Land Rover LR4 car insurance, offering the best overall and the most affordable rates. With rates starting at just $62 per month, these companies provide competitive options. They offer low rates and comprehensive coverage makes them standout choices.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Jul 3, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 3, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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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563 reviewsCompany Facts
Min. Coverage for Land Rover LR4
A.M. Best Rating
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Pros & Cons
563 reviews
667 reviewsCompany Facts
Min. Coverage for Land Rover LR4
A.M. Best Rating
Complaint Level
Pros & Cons
667 reviews
1,171 reviewsCompany Facts
Min. Coverage for Land Rover LR4
A.M. Best Rating
Complaint Level
Pros & Cons
1,171 reviews
For cheap Land Rover LR4 car insurance, Auto-Owners, Mercury, and Safeco are the top three providers offering the most competitive rates.
With Auto-Owners providing the cheapest rates starting at $62 per month, they are the best overall pick for value. This article explores these options and factors in coverage, discounts, and customer satisfaction to help you find the best insurance for your Land Rover LR4.
Our Top 10 Company Picks: Cheap Land Rover LR4 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $62 A++ Personalized Service Auto-Owners
#2 $63 A Affordable Rates Mercury
#3 $65 A Many Discounts Safeco
#4 $67 A++ Financial Stability Travelers
#5 $70 B High-Value Vehicles State Farm
#6 $73 A Local Agents Farmers
#7 $75 A+ Snapshot Program Progressive
#8 $76 A+ Customer Service Nationwide
#9 $78 A+ Comprehensive Coverage Allstate
#10 $81 A Safe-Driving Discounts Liberty Mutual
Discover how you can secure affordable and comprehensive coverage today. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
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#1 – Auto-Owners: Top Overall Pick
Pros
#2 – Mercury: Best for Affordable Rates
Pros
- Affordable Rates: Mercury is known for offering competitive pricing on car insurance, making it an attractive option for Land Rover LR4 owners seeking budget-friendly coverage.
- Coverage Options: Mercury provides a good range of coverage options, including comprehensive and collision coverage, tailored to meet the specific needs of LR4 owners.
- Discounts: Mercury offers various discounts such as good driver, multi-car, and multi-policy discounts, which can help reduce the overall cost of insuring an LR4, as highlighted in the Mercury insurance review & ratings.
Cons
- Claims Process: Some customers have reported delays and complications in the claims process, which can be frustrating for LR4 owners needing quick repairs.
- Coverage Limits: Mercury’s policies may have lower coverage limits compared to other insurers, which might not be sufficient for all LR4 owners.
#3 – Safeco: Best for Customizable Policies
Pros
- Customizable Policies: Safeco offers flexible coverage options that allow Land Rover LR4 owners to customize their policies to meet their specific needs, including comprehensive, collision, and liability coverage.
- Multiple Discounts: Safeco provides a variety of discounts, including bundling discounts, safe driver discounts, and discounts for having safety features on the LR4.
- Roadside Assistance: Comprehensive roadside assistance is included, offering peace of mind for LR4 owners in case of breakdowns or emergencies.
Cons
- Higher Premiums: Safeco’s rates can be higher compared to some competitors, especially for younger or higher-risk drivers, as noted in the Safeco insurance review & ratings.
- Customer Service: Some customers have reported mixed experiences with Safeco’s customer service, particularly regarding responsiveness and support.
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#4 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers offers extensive protection options for your Land Rover LR4, including comprehensive, collision, liability, and more, ensuring that all potential risks are covered.
- Discounts: Travelers provides numerous discount opportunities, such as multi-car, multi-policy, and safe driver discounts, which can help reduce premiums for LR4 owners.
- Claims Handling: The company boasts an efficient and straightforward claims process, with many customers reporting quick and fair settlements, as mentioned in the Travelers insurance review & ratings.
Cons
- Higher Premiums: Rates might be higher in certain regions, making it more expensive for some LR4 owners.
- Local Agent Availability: In some areas, the availability of local agents might be limited, which could be a drawback for those preferring in-person service.
#5 – State Farm: Best for Multiple Discounts
Pros
- Multiple Discounts: The company offers a variety of discounts, including multi-policy, safe driver, and accident-free discounts, which can significantly lower insurance costs.
- Claims Handling: State Farm has a smooth and efficient claims process, with many customers reporting positive experiences in terms of quick settlements and fair handling.
- Coverage Options: State Farm provides a wide range of coverage options tailored for LR4 owners, including comprehensive, collision, and liability coverage, as highlighted in the State Farm insurance review & ratings.
Cons
- Higher Premiums: State Farm’s rates can be more expensive compared to some other insurers, particularly for high-risk drivers.
- Online Tools: While improving, State Farm’s online tools and mobile app are not as advanced as those of some competitors, which can be a drawback for tech-savvy customers.
#6 – Farmers: Best for Coverage Options
Pros
- Coverage Options: Farmers offers diverse coverage options tailored for Land Rover LR4, including comprehensive, collision, and liability coverage.
- Discounts: Multiple discounts are available, such as multi-policy, good driver, and affinity discounts, helping to reduce premiums, as highlighted in the Farmers insurance review & ratings.
- Claims Process: Farmers is known for reliable and efficient claims handling, with many customers reporting satisfactory experiences.
Cons
- Rates: Premiums can be higher for younger drivers and those with less driving experience.
- Coverage Limits: Some policyholders have reported lower coverage limits compared to other insurers, which might not be sufficient for all LR4 owners.
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#7 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive offers affordable insurance rates for Land Rover LR4, making it a popular choice for budget-conscious owners.
- Snapshot Program: Progressive’s usage-based insurance program, Snapshot, can help safe drivers reduce their premiums based on their driving habits.
- Discounts: Progressive provides a wide range of discounts, including multi-policy, multi-car, and safe driver discounts, which can lower the overall cost of insurance.
Cons
- Customer Service: Progressive receives mixed reviews for customer service experiences, with some customers reporting difficulties in resolving issues.
- Claims Process: While generally efficient, some policyholders have reported delays in the claims process, according to Progressive insurance review & ratings.
#8 – Nationwide: Best for Coverage Options
Pros
- Coverage Options: Nationwide offers comprehensive coverage options for LR4 owners, including collision, comprehensive, and liability coverage.
- Discounts: Various discounts are available, including multi-policy, accident-free, and defensive driving course discounts, which can help reduce premiums.
- Claims Handling: Nationwide is known for an efficient and user-friendly claims process, with many customers reporting positive experiences, as highlighted in the Nationwide insurance review & ratings.
Cons
- Higher Premiums: Rates can be higher in some areas, particularly for higher-risk drivers.
- Local Agent Availability: In some regions, the availability of local agents might be limited, which could be a drawback for those preferring in-person service.
#9 – Allstate: Best for Roadside Assistance
Pros
- Roadside Assistance: Comprehensive roadside assistance is included, offering peace of mind for LR4 owners in case of breakdowns or emergencies, according to Allstate insurance review & ratings.
- Coverage Options: Allstate provides a wide range of coverage options for Land Rover LR4, including comprehensive, collision, and liability coverage.
- Multiple Discounts: Multiple discount opportunities are available, such as multi-policy, safe driver, and new car discounts, which can help lower insurance costs.
Cons
- Higher Premiums: Allstate’s rates can be more expensive compared to other insurers, particularly for younger drivers.
- Online Tools: Some customers have reported that Allstate’s online tools and mobile app are not as advanced as those of some competitors.
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#10 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual offers flexible coverage options for Land Rover LR4, allowing owners to tailor their policies to meet their specific needs.
- Claims Handling: The company is known for an efficient claims process, with many customers reporting high satisfaction with the handling and resolution of claims.
- Financial Stability: Liberty Mutual’s strong financial ratings ensure that they can pay out claims reliably.
Cons
- Higher Rates: Premiums can be higher than average, particularly for high-risk drivers, as noted in the Liberty Mutual Review & Ratings.
- Online Tools: Some customers have reported that Liberty Mutual’s online tools and mobile app are not as user-friendly as those of some competitors.
Understanding the Factors That Influence Land Rover LR4 Car Insurance Rates
When it comes to determining the cost of Land Rover LR4 car insurance, several factors come into play. One of the key considerations is the value of your vehicle. Since Land Rover LR4 is a luxury SUV, its replacement or repair costs may be higher compared to other car models.
Therefore, insurance companies may charge higher premiums to account for this increased risk. Discover our comprehensive guide to “Insurance Quotes Online” for additional insights.
Another factor that affects Land Rover LR4 car insurance rates is your driving history. If you have a clean driving record with no accidents or traffic violations, you are likely to be eligible for lower insurance premiums. On the other hand, if you have a history of accidents or speeding tickets, insurance companies may consider you a higher risk driver and charge you more for coverage.
Your location can also impact the cost of Land Rover LR4 car insurance. Insurance rates can vary from state to state and even within different ZIP codes. If you live in an area with a high rate of vehicle theft or accidents, you may end up paying more for insurance. Additionally, the availability of local repair shops and the cost of healthcare in your area can also influence insurance rates.
Furthermore, your age and gender can also affect the cost of Land Rover LR4 car insurance. Younger drivers, especially those under the age of 25, are often considered higher risk due to their lack of driving experience. As a result, insurance companies may charge higher premiums for younger drivers.
Additionally, statistics show that male drivers tend to have more accidents compared to female drivers, which can lead to higher insurance rates for men. For further details, check out our in-depth “What age do you get cheap car insurance?” article.
The Importance of Shopping Around for Land Rover LR4 Car Insurance
When it comes to insuring your Land Rover LR4, it is important to shop around and compare quotes from different insurance providers. Learn more by visiting our detailed “Compare Car Insurance Quotes” section.
Each company may calculate rates differently based on their own risk assessment criteria. By obtaining multiple quotes, you can ensure that you are getting the best coverage at the most competitive price.
Land Rover LR4 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $78 $152
Auto-Owners $62 $140
Farmers $73 $148
Liberty Mutual $81 $155
Mercury $63 $142
Nationwide $76 $151
Progressive $75 $150
Safeco $65 $144
State Farm $70 $145
Travelers $67 $146
Furthermore, don’t hesitate to ask for discounts or incentives that may be available to Land Rover LR4 owners. Many insurance companies offer discounts for factors such as having a good driving record, completing a defensive driving course, or bundling your car insurance with other policies such as homeowners insurance. By taking advantage of these discounts, you can potentially reduce your insurance costs.
It is also worth considering the level of customer service provided by different insurance providers. While price is an important factor, it is equally important to choose an insurance company that is known for its prompt and efficient claims handling process. Reading customer reviews and checking the company’s reputation can give you an idea of their customer service quality.
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Exploring Different Types of Coverage for Your Land Rover LR4
When it comes to choosing coverage for your Land Rover LR4, there are several options to consider. The two primary types of coverage are comprehensive and collision. Comprehensive coverage protects your vehicle against non-collision damages, such as theft, vandalism, or natural disasters.
Collision coverage, on the other hand, covers damages resulting from collisions with other vehicles or objects. Dive deeper into “Collision vs. Comprehensive Car Insurance” with our complete resource.
Additionally, you may want to consider other coverage options such as liability coverage, which protects you in case you cause injury or property damage to others in an accident, and uninsured/underinsured motorist coverage, which provides protection if you are involved in an accident with a driver who doesn’t have sufficient insurance coverage.
It is important to carefully assess your needs and budget when choosing coverage options for your Land Rover LR4. While comprehensive coverage may provide more comprehensive protection, it may also come with a higher price tag. Ultimately, you need to strike a balance between the level of coverage you desire and what you can afford.
Tracey L. Wells, Licensed Insurance Agent & Agency Owner
Another coverage option to consider for your Land Rover LR4 is medical payments coverage. This type of coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. It can provide peace of mind knowing that you have financial protection for medical bills that may arise from an accident.
In addition to the coverage options mentioned above, you may also want to explore roadside assistance coverage. This type of coverage can be beneficial if you find yourself stranded on the side of the road due to a flat tire, dead battery, or other mechanical issues.
Roadside assistance coverage typically includes services such as towing, fuel delivery, and lockout assistance, providing you with added convenience and peace of mind. See if you’re getting the best deal on car insurance by entering your ZIP code below
Frequently Asked Questions
What is the cheapest Land Rover to insure?
The cheapest Land Rover to insure often depends on the model and year. Typically, older and less expensive models have lower insurance costs.
How can I determine my Land Rover insurance cost?
Your Land Rover insurance cost is influenced by factors such as the model, your driving history, location, and the coverage you choose.
Why is Land Rover insurance considered expensive?
Expensive Land Rover insurance is usually due to the high value of the vehicle, repair costs, and the likelihood of theft.
Read our extensive guide on “Free Insurance Comparison” for more knowledge.
Are there any difficulties insuring Land Rovers?
Difficulty insuring Land Rovers can arise from their high repair costs and the fact that they are luxury vehicles, which often require higher premiums.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
Who are the main Land Rover insurance providers?
Major Land Rover insurance providers include companies like Geico, Progressive, State Farm, and Allstate.
Which are the cheapest car insurance providers?
The cheapest car insurance providers often include Geico, Progressive, and State Farm, but rates can vary widely based on individual circumstances.
Expand your understanding with our thorough “Cheapest Car Insurance Companies” overview.
How do Geico vs. Progressive insurance costs compare?
Geico vs. Progressive insurance costs can vary, but both companies are known for competitive rates. It’s best to get quotes from both to see which is cheaper for your situation.
What is the cheapest full coverage insurance available?
The cheapest full coverage insurance will depend on your location, driving record, and vehicle, but companies like Geico, Progressive, and State Farm often offer competitive rates.
Is Geico known for being an expensive car insurance provider?
While Geico is not generally known for being expensive, your rates with Geico could be higher depending on your driving history and other factors.
For more information, explore our informative “How can I pay my Geico insurance premium?” page.
What are the benefits of insuring a Land Rover?
Benefits of insuring a Land Rover include coverage for high repair costs, theft protection, and access to personalized policies and comprehensive coverage.
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Is the Land Rover Discovery insurance cost high?
The Land Rover Discovery insurance cost can be higher than average due to the vehicle’s value and repair expenses.
What are personalized car insurance policies?
Personalized car insurance policies are tailored to your specific needs, driving habits, and vehicle, potentially offering more customized coverage options.
Continue reading our full “Can I bundle my car insurance with other policies?” guide for extra tips.
Why is insurance high for Land Rovers?
Insurance is high for Land Rovers due to their luxury status, high repair costs, and higher likelihood of theft.
What does comprehensive car insurance coverage include?
Comprehensive car insurance coverage includes protection against theft, vandalism, natural disasters, and other non-collision-related damages.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
How can I compare car insurance quotes effectively?
To compare car insurance quotes effectively, gather quotes from multiple providers, review coverage options, and consider customer service and claims satisfaction.
Get more insights by reading our expert “How To Get Free Insurance Quotes Online” advice.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
