Land Rover Discovery insurance group
Find out which insurance group the Land Rover Discovery falls under and how much it costs to insure based on the demographics of the driver.
If you want an SUV with all the bells and whistles, as well as brute power, the Land Rover Discovery ticks all the boxes. In this guide, you’ll learn how much you could expect to pay for insurance and how to save on your premiums.
What insurance group does the Land Rover Discovery fall under?
Every vehicle you see on the road is assigned an insurance group before being available to buy. These groups are ranked from 1 (cheapest) to 50 (most expensive) and help insurers determine a suitable cost for your premium. Land Rover Discovery vehicles can be found in groups ranging from 33 to 43, meaning the car insurance will be on the expensive side.
The costs will vary somewhat depending on your chosen model and trim, and what car insurance group this version appears in. As an example, a 30-year-old driver in an average postcode could pay around £899 for cover on a Land Rover Discovery S 2.0 Sd4 auto 5d that is in insurance group 33 or around £1,062 for a Land Rover Discovery SE 3.0 Sd6 306hp auto 5d that is in insurance group 42. That’s a £159 difference on the same vehicle in two different insurance groups.
Land Rover Discovery Insurance cost by location
The table above shows the average cost of Land Rover Discovery insurance based on insurance groups and driver age. However, there are various other factors that impact the cost of your car insurance premiums.
Your location is one of the most significant factors that insurers will consider. To illustrate this fact, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Land Rover Discovery HSE Luxury 3.0 Td6 auto 5d.
- Expensive: £1,243 (London SE1)
- Average: £1,062 (Newcastle NE1)
- Cheap: £798 (Galashiels TD1)
Which factors affect my Land Rover Discovery insurance rate?
Along with insurance group, here are the other factors that have the biggest impact on your insurance premium costs:
- Engine type and capacity. You can expect to pay more to insure vehicles with larger engines. For example, it may cost £1,091 for insurance for a Land Rover Discovery S 2.0 Si4 300hp 4WD 5d, while you may pay £1,243 for a Land Rover Discovery HSE 3.0 Sd6 306hp auto 5d. In this case, that’s an extra £118 per year to insure a Land Rover Discovery with a bigger engine.
- Driver location. Insurers will use your home address to determine the risk of your car being stolen or involved in an accident. Those living in areas where motorists are more likely to claim will pay more. For example, a 30-year-old in central London may pay £1,168 for insurance for a Land Rover Discovery HSE 2.0 Sd4 auto 5d, while the same 30-year-old in Newcastle may only pay £967. This £181 difference occurs because motorists based in London are more likely to claim on their car insurance policies compared to those in Newcastle.
- Driver age. The youngest drivers are the most likely to claim on their car insurance, and that’s why they’ll pay a lot more to insure their vehicles. As an example, the average 20-year-old driver in London may pay £2,115 for the Land Rover Discovery Xcellence Lux 1.5 TSI Evo 150PS 5d, while the average 40-year-old Londoner will only pay £1,108. In this case, the 20-year-old would have to pay almost double to insure a Land Rover Discovery.
Other factors that influence the cost of your insurance include the following:
- Your car’s security and any extra anti-theft precautions
- Your car’s safety rating score
- Your marital status
- Your credit history and job
- The model of your car
- The age of your car
- Annual miles driven
- Your driving history and activity, including your no claims discount
How can I save on my Land Rover Discovery premiums?
Car insurance may be a necessary legal requirement, but that’s no reason to let it empty your bank account. When searching for car insurance, it’s important to find a great deal for a price within your budget.
Here are some ideas you can try to lower the cost of your car insurance premium.
- Reduce your annual mileage. Consider whether you can occasionally take some journeys by foot or public transport. This will reduce your annual mileage and help you save on your premiums.
- Pay annually rather than monthly. If you can afford to pay for car insurance in an annual lump sum, it’ll usually pay to do so. This is because a lot of car insurance companies charge interest on monthly premium payments.
- Install extra safety precautions. By adding extra safety measures, you reduce the odds of needing to make a claim, and that’s why you’re quite likely to lower your premium.
- Don’t blindly accept your insurer’s renewal quote. Although it might be time consuming, it pays to compare the market for the best deal each year. There are usually cheaper options out there!
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