Toyota Land Cruiser Insurance Rates

The average auto insurance rates for a Toyota Land Cruiser are $1,494 annually including full coverage. Comprehensive insurance costs approximately $328 each year, collision costs $548, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $3,226 or more. Teenage drivers cost the most to insure at $5,558 a year or more.

Average premium for full coverage: $1,494

Policy rates by type of insurance:

Estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Land Cruiser models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.

• The best discount rate is $860
• Drivers who choose higher $1,000 deductibles will pay $200 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,494
• Using low deductibles for comprehensive and collision insurance costs an additional $382 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,226 or more
• Policy cost with full coverage for a teen driver can cost $5,558 a year

View Chart as Image

Insurance rates for a Toyota Land Cruiser also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy Low Cost Toyota Land Cruiser Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a review of the data that was covered in the above illustrations.

• You may be able to save around $180 per year simply by quoting online in advance
• Policyholders who purchase higher liability limits will pay an extra $510 per year to go from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, with premiums being up to $463 each month if they have full coverage
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,730 more per year for Land Cruiser insurance