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 $1,566 a year including full coverage. Comprehensive insurance costs an estimated $342, collision costs $610, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,396 or more. 16-year-old drivers pay the highest rates at $5,804 a year or more.
Average premium for full coverage: $1,566
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Land Cruiser trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota Land Cruiser insurance prices go from as low as $508 for basic liability insurance to a much higher rate of $3,396 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using rate 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.
Rate Comparisons
The chart below breaks down estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best full coverage rate is $893
- Drivers who choose higher $1,000 deductibles will pay approximately $216 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,566
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $420 each year
- High-risk insureds with multiple tickets or accidents could pay up to $3,396 or more
- The price for full coverage for a teenage driver with full coverage can cost as much as $5,804 a year
Car 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 driving violations and high deductibles may only pay around $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,800 a year. View Rates by Age
The state you live in makes a big difference in Toyota Land Cruiser insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,230 on average in Louisiana, New York, and Michigan.
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% |
Opting for high physical damage deductibles could save up to $640 a 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 $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than the average rate. 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 and see how they stack up. Every company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
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 Find More Affordable Toyota Land Cruiser Insurance
Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and not having any coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a summary of the primary concepts that were touched on in this article.
- You may be able to save approximately $190 per year simply by shopping early and online
- Drivers who have multiple accidents or major violations may pay on average $1,830 more annually than a safer driver
- Increasing physical damage deductibles can save around $625 each year
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $484 a month if full coverage is included
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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