Toyota Land Cruiser Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota Land Cruiser are $1,566 every 12 months for full coverage. Comprehensive insurance costs around $342 each year, collision insurance costs $610, and liability insurance costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $3,396 or more. Teens pay the highest rates at up to $5,804 a year.
Average premium for full coverage: $1,566
Price estimates for individual coverage:
Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Land Cruiser models.
Price Range from Low to High
For the normal driver, Toyota Land Cruiser insurance prices range from the cheapest price of $508 for minimum levels of liability insurance to a high rate of $3,396 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.
The ranges above show why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.
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 Rate Details
The chart below shows average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $893
- Using higher $1,000 deductibles will save about $216 a year
- The average price for the average middle-age driver using $500 deductibles is $1,566
- Selecting low deductibles for physical damage coverage costs an extra $420 a year
- Drivers with serious driving violations could pay at least $3,396
- The price to insure a teen driver can be $5,804 or more
Insurance prices for a Toyota Land Cruiser are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $640 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,900 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Toyota Land Cruiser insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,230 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Shop for More Affordable Toyota Land Cruiser Insurance
Getting lower rates on Toyota Land Cruiser insurance requires being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a summary of the coverage data presented in the illustrations above.
- Drivers can save up to $190 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $625 each year
- Teenage drivers pay higher prices, with premiums as much as $484 a month if they have full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,830 more every year for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,792 |
| $500 | $1,566 |
| $1,000 | $1,350 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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