Toyota Land Cruiser Insurance Rates

The average insurance rates for a Toyota Land Cruiser are $1,494 a year with full coverage. Comprehensive costs on average $328 each year, collision insurance costs $548, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $3,226. Teenage drivers cost the most to insure at up to $5,558 a year.

Average premium for full coverage: $1,494

Policy rates by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Land Cruiser models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average Toyota Land Cruiser insurance rates for different risk profiles and scenarios.

• The best discount rate is $860
• Using higher $1,000 deductibles will save around $200 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,494
• Using low deductibles for physical damage coverage bumps up the cost to $1,876
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,226
• Policy cost that insures a 16-year-old driver may cost $5,558 or more

View Chart as Image

Auto insurance rates for a Toyota Land Cruiser also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,500 a year. View Rates by Age

Your home state has a huge impact on Toyota Land Cruiser insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,020 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Toyota Land Cruiser Insurance

Finding cheaper rates on insurance for a Toyota Land Cruiser requires being a good driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every year by requesting rates from direct companies, and also from several local insurance agents.

The following list is a brief summary of the coverage data touched on in this article.

• You may be able to save as much as $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Drivers age 16 to 20 are charged the highest rates, as much as $463 each month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,730 more each year than a safer driver