Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Toyota Land Cruiser are $1,494 a year including full coverage. Comprehensive insurance costs an estimated $328, collision costs $548, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $3,226 or more. Teenage drivers pay the highest rates at $5,558 a year or more.
Average premium for full coverage: $1,494
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Land Cruiser trim levels.
Price Range from Low to High
For an average driver, Toyota Land Cruiser insurance prices go from as low as $510 for a discount liability-only rate to a much higher rate of $3,226 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best discount rate is $860
- Raising to $1,000 deductibles will save approximately $200 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,494
- Using more expensive low deductibles will cost an extra $382 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,226 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $5,558
Insurance prices for a Toyota Land Cruiser are also quite variable based on your driving record, the model of your Land Cruiser, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,500 a year. View Rates by Age
The state you live in also has a big influence on Toyota Land Cruiser insurance rates. A middle-age driver might find prices 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.
| 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% |
Using high physical damage deductibles can reduce prices by up to $590 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| 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 Find Affordable Toyota Land Cruiser Insurance
Getting lower rates on Toyota Land Cruiser insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief review of the data covered in the above illustrations.
- Drivers who want increased liability limits will pay an extra $510 per year to raise from a low limit to 250/500 limits
- You may be able to save approximately $180 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $575 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $463 a month including comprehensive and collision insurance
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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