Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Estimated auto insurance rates for a Toyota Land Cruiser are $1,494 annually with full coverage. Comprehensive insurance costs around $328 a year, collision insurance costs $548, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $3,226 or more. 16-year-old drivers pay the most at up to $5,558 a year.
Average premium for full coverage: $1,494
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Land Cruiser trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Land Cruiser range from as cheap as $510 for just liability insurance to a high of $3,226 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
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.
More Rate Details
The chart below details average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $860
- Raising to $1,000 deductibles will save about $1,294 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,494
- Buying low $100 deductibles costs an additional $382 annually
- Drivers with multiple tickets or accidents could pay at least $3,226
- An auto insurance policy with full coverage for a 16-year-old driver can be $5,558
Insurance prices for a Toyota Land Cruiser also have a wide range based on the model of your Land Cruiser, your driving record, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,800 to $2,400 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $590 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Toyota Land Cruiser insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or at least $2,020 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$144 | -9.6% |
| Alaska | $1,144 | -$350 | -23.4% |
| Arizona | $1,240 | -$254 | -17.0% |
| Arkansas | $1,494 | -$0 | 0.0% |
| California | $1,700 | $206 | 13.8% |
| Colorado | $1,426 | -$68 | -4.6% |
| Connecticut | $1,534 | $40 | 2.7% |
| Delaware | $1,690 | $196 | 13.1% |
| Florida | $1,866 | $372 | 24.9% |
| Georgia | $1,378 | -$116 | -7.8% |
| Hawaii | $1,072 | -$422 | -28.2% |
| Idaho | $1,012 | -$482 | -32.3% |
| Illinois | $1,112 | -$382 | -25.6% |
| Indiana | $1,122 | -$372 | -24.9% |
| Iowa | $1,006 | -$488 | -32.7% |
| Kansas | $1,418 | -$76 | -5.1% |
| Kentucky | $2,038 | $544 | 36.4% |
| Louisiana | $2,208 | $714 | 47.8% |
| Maine | $922 | -$572 | -38.3% |
| Maryland | $1,232 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$298 | -19.9% |
| Michigan | $2,594 | $1,100 | 73.6% |
| Minnesota | $1,250 | -$244 | -16.3% |
| Mississippi | $1,788 | $294 | 19.7% |
| Missouri | $1,324 | -$170 | -11.4% |
| Montana | $1,604 | $110 | 7.4% |
| Nebraska | $1,178 | -$316 | -21.2% |
| Nevada | $1,790 | $296 | 19.8% |
| New Hampshire | $1,076 | -$418 | -28.0% |
| New Jersey | $1,670 | $176 | 11.8% |
| New Mexico | $1,324 | -$170 | -11.4% |
| New York | $1,572 | $78 | 5.2% |
| North Carolina | $860 | -$634 | -42.4% |
| North Dakota | $1,222 | -$272 | -18.2% |
| Ohio | $1,032 | -$462 | -30.9% |
| Oklahoma | $1,534 | $40 | 2.7% |
| Oregon | $1,368 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$70 | -4.7% |
| Rhode Island | $1,992 | $498 | 33.3% |
| South Carolina | $1,352 | -$142 | -9.5% |
| South Dakota | $1,260 | -$234 | -15.7% |
| Tennessee | $1,308 | -$186 | -12.4% |
| Texas | $1,800 | $306 | 20.5% |
| Utah | $1,106 | -$388 | -26.0% |
| Vermont | $1,022 | -$472 | -31.6% |
| Virginia | $894 | -$600 | -40.2% |
| Washington | $1,154 | -$340 | -22.8% |
| West Virginia | $1,368 | -$126 | -8.4% |
| Wisconsin | $1,034 | -$460 | -30.8% |
| Wyoming | $1,332 | -$162 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Toyota Land Cruiser | $370 | $698 | $442 | $1,668 |
| 2020 Toyota Land Cruiser | $356 | $648 | $452 | $1,614 |
| 2019 Toyota Land Cruiser | $342 | $610 | $456 | $1,566 |
| 2018 Toyota Land Cruiser | $328 | $548 | $460 | $1,494 |
| 2017 Toyota Land Cruiser | $306 | $504 | $460 | $1,428 |
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 Buy Affordable Toyota Land Cruiser Insurance
Finding better rates on insurance for a Toyota Land Cruiser consists of being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least once a year by quoting rates from direct companies, and also from local exclusive and independent agents.
Below you'll find a brief review of the primary concepts that were touched on above.
- You may be able to save up to $180 per year just by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,730 more every year than a low-risk driver
- Increasing policy deductibles could save up to $575 each year
- Youthful drivers are charged the highest prices, possibly costing $463 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,558 |
| 20 | $3,426 |
| 30 | $1,556 |
| 40 | $1,494 |
| 50 | $1,362 |
| 60 | $1,336 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,876 |
| $250 | $1,700 |
| $500 | $1,494 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,494 |
| 50/100 | $1,586 |
| 100/300 | $1,701 |
| 250/500 | $2,000 |
| 100 CSL | $1,632 |
| 300 CSL | $1,885 |
| 500 CSL | $2,069 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,934 |
| 20 | $5,458 |
| 30 | $3,298 |
| 40 | $3,226 |
| 50 | $3,080 |
| 60 | $3,052 |
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 | $80 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $107 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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