Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Average insurance rates for a Toyota Land Cruiser are $1,494 a year for full coverage. Comprehensive costs around $328, collision insurance costs $548, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs around $3,226. Teen drivers receive the highest rates at up to $5,558 a year.
Average premium for full coverage: $1,494
Rate estimates for individual coverage type:
Prices include $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Land Cruiser trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $510 for minimum levels of liability insurance to a much higher rate of $3,226 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using 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 Rate Details
The chart below shows average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $860
- Using higher $1,000 deductibles will save about $200 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,494
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,876
- Drivers with multiple violations and an at-fault accident could pay at least $3,226
- The cost that insures a teen driver with full coverage can be $5,558 or more
Auto insurance rates for a Toyota Land Cruiser can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 135% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age
Where you live has a huge impact on Toyota Land Cruiser insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Idaho, Maine, and Iowa, or as much as $2,130 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut rates by as much as $590 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
| 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 the Right Toyota Land Cruiser Insurance
Saving money on car insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Shop around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a quick rundown of the data that was covered above.
- Drivers can save up to $180 per year just by shopping early and online
- Policyholders who may need higher liability limits will pay about $510 each year to increase from a minimum limit to the 250/500 level
- Teens are expensive to insure, costing as high as $463 per month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,730 more every year for Land Cruiser 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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