Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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Estimated insurance prices for a Toyota Land Cruiser are $1,566 every 12 months including full coverage. Comprehensive costs around $342, collision insurance costs $610, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $3,396. Teens pay the most at up to $5,804 a year.
Average premium for full coverage: $1,566
Premium estimates for type of coverage:
Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Land Cruiser trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Land Cruiser range from the cheapest price of $508 for liability-only coverage to a much higher rate of $3,396 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.
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 average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $893
- Using higher $1,000 deductibles will save about $216 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,566
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,986
- Drivers with serious driving violations could pay at least $3,396
- An auto insurance policy to insure a teen driver with full coverage can be $5,804 or more
Insurance prices for a Toyota Land Cruiser also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $640 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,900 to $2,500 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Land Cruiser insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,230 on average in Michigan, New York, and Louisiana.
| 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 Shop for the Best Cheap Toyota Land Cruiser Insurance
Finding better rates on Toyota Land Cruiser insurance requires being a low-risk driver, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a quick review of the ideas that were covered in the above illustrations.
- Teen drivers pay higher prices, with the cost nearing $484 per month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,830 more every year to insure their Land Cruiser
- Increasing policy deductibles could save as much as $625 each year
- You may be able to save up to $190 per year just by shopping early and online
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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