Toyota Land Cruiser Insurance Rates

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UPDATED: Apr 15, 2024

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Average auto insurance rates for a Toyota Land Cruiser are $1,566 annually for full coverage. Comprehensive costs approximately $342 each year, collision insurance costs $610, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $3,396. Teen drivers receive the highest rates at up to $5,804 a year.

Average premium for full coverage: $1,566

Rate estimates by individual coverage type:

Comprehensive $342
Collision $610
Liability $456

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Land Cruiser models.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $508 for liability-only coverage to a high rate of $3,396 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,566
High Risk $3,396

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $1,175
Small Cities $1,644
Large Cities $2,114

These examples show why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on price 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.

Additional Charts and Tables

The chart below shows average Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $893
  • Choosing higher $1,000 deductibles can save $216 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,566
  • Choosing low deductibles for comp and collision coverage will cost $1,986
  • High-risk insureds with multiple violations and an at-fault accident could pay around $3,396
  • The cost with full coverage for a teen driver can cost $5,804 each year

View Chart as Image

Toyota Land Cruiser insurance cost comparison chart
Column chart showing Toyota Land Cruiser insurance rates range from $893 to $5,804 for full coverage

Car insurance rates for a Toyota Land Cruiser can also vary considerably based on the trim level of your Land Cruiser, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,900 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $640 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Iowa, Maine, and Idaho, or as much as $2,230 on average in New York, Louisiana, and Michigan.

Toyota Land Cruiser Insurance Rates by State
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%

View Chart as Image

Toyota Land Cruiser insurance rates by U.S. city
Toyota Land Cruiser Insurance Rates by Model Year
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 Buy More Affordable Toyota Land Cruiser Insurance

Saving money on Toyota Land Cruiser insurance takes being safe and accident-free, having a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a summary of the information touched on above.

  • Drivers can save around $190 per year just by quoting online in advance
  • Youthful drivers pay the highest auto insurance rates, costing as high as $484 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save up to $625 each year
  • High-risk drivers who have multiple accidents or major violations pay on average $1,830 more per year than a low-risk driver
  • Drivers who purchase more liability protection will pay about $500 each year to raise limits from a minimum limit to higher 250/500 limits

Rates by Driver Age

Toyota Land Cruiser Insurance 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

Toyota Land Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,986
$250 $1,792
$500 $1,566
$1,000 $1,350

Full coverage, driver age 40

Rates by Liability Limit

Toyota Land Cruiser Insurance Rates with Different Liability Limits
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

Toyota Land Cruiser Insurance 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.

SR-22 Surcharge $220

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
Rate after discounts $893

Discounts are estimated and may not be available from every company or in every state.

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