Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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The average insurance prices for a Toyota Land Cruiser are $1,494 every 12 months including full coverage. Comprehensive insurance costs an estimated $328 each year, collision costs $548, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $3,226 or more. Teenage drivers cost the most to insure at $5,558 a year or more.
Average premium for full coverage: $1,494
Policy rates broken down by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Land Cruiser models.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Land Cruiser insurance rates go from the cheapest price of $510 for liability-only coverage to a high rate of $3,226 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, rather than relying on average rates.
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 Charts and Tables
The chart below breaks down estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best discount rate is $860
- Choosing higher $1,000 deductibles can save approximately $200 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,494
- Using low deductibles for comp and collision coverage costs an extra $382 a year
- High-risk insureds who are prone to accidents and violations could pay up to $3,226 or more
- Policy cost to insure a teen driver can cost as much as $5,558 each year
Insurance rates for a Toyota Land Cruiser also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can save as much as $590 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.
| 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied.
| 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 Shop for the Best Cheap Toyota Land Cruiser Insurance
Finding cheaper rates on Toyota Land Cruiser insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a quick review of the data that was raised in the charts and tables above.
- You may be able to save approximately $180 per year simply by quoting online in advance
- Drivers who want additional liability coverage will pay an extra $510 per year to raise limits from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $463 each month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,730 more annually than a driver with a clean driving record
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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