Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota Land Cruiser are $1,494 every 12 months with full coverage. Comprehensive insurance costs on average $328, collision costs $548, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $3,226 or more. Teen drivers pay the highest rates at $5,558 a year or more.
Average premium for full coverage: $1,494
Price estimates by individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Land Cruiser trim levels.
Price Range from Low to High
For an average driver, Toyota Land Cruiser insurance prices go from the cheapest price of $510 for just the minimum liability insurance to a much higher rate of $3,226 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than 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 Analysis
The chart below details estimated Toyota Land Cruiser insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $860
- Raising to $1,000 deductibles will save around $200 annually
- The average price for the average middle-age driver with $500 deductibles is $1,494
- Choosing more expensive low deductibles costs an extra $382 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,226 or more
- The price to insure a teenage driver with full coverage may cost $5,558
Auto insurance prices for a Toyota Land Cruiser are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Land Cruiser.
Choosing high deductibles can reduce prices by up to $590 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Land Cruiser insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,020 on average in Florida, Michigan, 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.
| 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
Getting lower rates on auto insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a quick review of the data covered in the above illustrations.
- Consumers who require increased levels of liability coverage will pay about $510 every year to raise from a low limit to a 250/500 level
- You may be able to save as much as $180 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers age 20 and younger are charged the highest prices, costing up to $463 a month if comprehensive and collision insurance is included
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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