Toyota Land Cruiser Insurance Rates

Average insurance rates for a Toyota Land Cruiser are $1,494 a year for full coverage insurance. Comprehensive costs approximately $328 a year, collision insurance costs $548, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $3,226. Teenage drivers receive the highest rates at up to $5,558 a year.

Average premium for full coverage: $1,494

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Land Cruiser trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $860
• Using higher $1,000 deductibles will save $1,294 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,494
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,876
• Higher-risk drivers who are prone to accidents and violations could pay around $3,226
• The cost for full coverage for a teenage driver can cost $5,558 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

Where you live has a huge impact on Toyota Land Cruiser insurance rates. A driver around age 40 might see rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,020 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Toyota Land Cruiser Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a brief review of the coverage data raised in the charts and tables above.

• It is possible to save around $180 per year just by quoting early and online
• Increasing deductibles can save around $575 each year
• Teens are the costliest to insure, costing up to $463 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,730 more per year for Land Cruiser insurance