Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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U.S. average auto insurance rates for a Toyota Land Cruiser are $1,566 annually for full coverage insurance. Comprehensive insurance costs on average $342, collision insurance costs $610, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $3,396 or more. Teen drivers pay the highest rates at up to $5,804 a year.
Average premium for full coverage: $1,566
Price estimates by individual coverage:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Land Cruiser models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Land Cruiser insurance prices range from as cheap as $508 for a discount liability-only rate to the much higher price of $3,396 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates average Toyota Land Cruiser insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $893
- Choosing higher $1,000 deductibles can save around $216 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,566
- Choosing pricier low deductibles for comp and collision coverage costs an additional $420 a year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,396
- The price with full coverage for a teen driver for full coverage may cost $5,804 each year
Auto insurance prices for a Toyota Land Cruiser are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,500 in extra premium each year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $640 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,110 on average in Michigan, New York, and Florida.
| 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 Buy Affordable Toyota Land Cruiser Insurance
Getting lower rates on Toyota Land Cruiser insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief review of the coverage data raised in the charts and tables above.
- It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $625 each year
- Teens are charged the highest prices, as much as $484 a month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,830 more each year for Land Cruiser 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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