Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Toyota Land Cruiser are $1,566 a year for full coverage. Comprehensive costs an estimated $342, collision insurance costs $610, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, and coverage for high-risk drivers costs around $3,396. Teens pay the highest rates at up to $5,804 a year.
Average premium for full coverage: $1,566
Price estimates broken down by individual coverage:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Land Cruiser models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Land Cruiser insurance prices range from as low as $508 for just liability coverage to the much higher price of $3,396 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
The ranges above show why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Toyota Land Cruiser insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $893
- Drivers who choose higher $1,000 deductibles will pay approximately $216 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,566
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,986
- Drivers with serious driving violations could pay up to $3,396
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $5,804 a year
Insurance prices for a Toyota Land Cruiser are also quite variable based on your driving record, the trim level of your Land Cruiser, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age
The state you live in makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,230 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,416 | -$150 | -9.6% |
| Alaska | $1,202 | -$364 | -23.2% |
| Arizona | $1,300 | -$266 | -17.0% |
| Arkansas | $1,566 | -$0 | 0.0% |
| California | $1,784 | $218 | 13.9% |
| Colorado | $1,498 | -$68 | -4.3% |
| Connecticut | $1,610 | $44 | 2.8% |
| Delaware | $1,772 | $206 | 13.2% |
| Florida | $1,960 | $394 | 25.2% |
| Georgia | $1,446 | -$120 | -7.7% |
| Hawaii | $1,126 | -$440 | -28.1% |
| Idaho | $1,060 | -$506 | -32.3% |
| Illinois | $1,168 | -$398 | -25.4% |
| Indiana | $1,180 | -$386 | -24.6% |
| Iowa | $1,056 | -$510 | -32.6% |
| Kansas | $1,488 | -$78 | -5.0% |
| Kentucky | $2,138 | $572 | 36.5% |
| Louisiana | $2,318 | $752 | 48.0% |
| Maine | $966 | -$600 | -38.3% |
| Maryland | $1,292 | -$274 | -17.5% |
| Massachusetts | $1,252 | -$314 | -20.1% |
| Michigan | $2,720 | $1,154 | 73.7% |
| Minnesota | $1,312 | -$254 | -16.2% |
| Mississippi | $1,876 | $310 | 19.8% |
| Missouri | $1,388 | -$178 | -11.4% |
| Montana | $1,682 | $116 | 7.4% |
| Nebraska | $1,234 | -$332 | -21.2% |
| Nevada | $1,878 | $312 | 19.9% |
| New Hampshire | $1,128 | -$438 | -28.0% |
| New Jersey | $1,750 | $184 | 11.7% |
| New Mexico | $1,386 | -$180 | -11.5% |
| New York | $1,650 | $84 | 5.4% |
| North Carolina | $902 | -$664 | -42.4% |
| North Dakota | $1,282 | -$284 | -18.1% |
| Ohio | $1,082 | -$484 | -30.9% |
| Oklahoma | $1,608 | $42 | 2.7% |
| Oregon | $1,434 | -$132 | -8.4% |
| Pennsylvania | $1,494 | -$72 | -4.6% |
| Rhode Island | $2,090 | $524 | 33.5% |
| South Carolina | $1,420 | -$146 | -9.3% |
| South Dakota | $1,322 | -$244 | -15.6% |
| Tennessee | $1,370 | -$196 | -12.5% |
| Texas | $1,886 | $320 | 20.4% |
| Utah | $1,160 | -$406 | -25.9% |
| Vermont | $1,074 | -$492 | -31.4% |
| Virginia | $938 | -$628 | -40.1% |
| Washington | $1,212 | -$354 | -22.6% |
| West Virginia | $1,434 | -$132 | -8.4% |
| Wisconsin | $1,084 | -$482 | -30.8% |
| Wyoming | $1,396 | -$170 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $640 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,900 to $2,500 extra each year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers can cost from 43% to 136% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Toyota Land Cruiser | $392 | $724 | $430 | $1,704 |
| 2020 Toyota Land Cruiser | $370 | $698 | $442 | $1,668 |
| 2019 Toyota Land Cruiser | $356 | $648 | $452 | $1,614 |
| 2018 Toyota Land Cruiser | $342 | $610 | $456 | $1,566 |
| 2017 Toyota Land Cruiser | $328 | $548 | $460 | $1,494 |
Rates are averaged for all Toyota Land Cruiser models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Toyota Land Cruiser Insurance
Getting lower rates on insurance for a Toyota Land Cruiser not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a recap of the coverage data touched on in this article.
- Drivers can save approximately $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $625 each year
- Teenage drivers are charged the highest prices, with premiums as much as $484 a month for full coverage
- Drivers considered higher risk that have major violations or accidents pay an average of $1,830 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,804 |
| 20 | $3,610 |
| 30 | $1,634 |
| 40 | $1,566 |
| 50 | $1,428 |
| 60 | $1,402 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,792 |
| $500 | $1,566 |
| $1,000 | $1,350 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,566 |
| 50/100 | $1,657 |
| 100/300 | $1,771 |
| 250/500 | $2,068 |
| 100 CSL | $1,703 |
| 300 CSL | $1,954 |
| 500 CSL | $2,136 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,300 |
| 20 | $5,754 |
| 30 | $3,470 |
| 40 | $3,396 |
| 50 | $3,240 |
| 60 | $3,212 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $84 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $73 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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