Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Estimated insurance rates for a Toyota Land Cruiser are $1,494 a year including full coverage. Comprehensive insurance costs on average $328, collision costs $548, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $3,226 or more. Teenage drivers pay the most at $5,558 a year or more.
Average premium for full coverage: $1,494
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Land Cruiser models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota Land Cruiser go from as low as $510 for a discount liability-only rate to the much higher price of $3,226 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why everyone should get quotes based on a specific location and risk profile, 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.
Rates by State, City, and Model
The chart below breaks down estimated Toyota Land Cruiser insurance rates for different risk profiles and scenarios.
- The best discount rate is $860
- Choosing higher $1,000 deductibles can save around $200 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,494
- Using pricier low deductibles for comp and collision coverage will cost an extra $382 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,226 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $5,558 each year
Insurance prices for a Toyota Land Cruiser also have a wide range based on your driving characteristics, the model of your Land Cruiser, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
Where you choose to live 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,130 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $590 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 additional annually, depending on your age. Toyota Land Cruiser insurance for high-risk drivers ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different from one company to the next.
| 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 Low Cost Toyota Land Cruiser Insurance
Finding better rates on Toyota Land Cruiser insurance takes being a good driver, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a review of the material that was covered above.
- Drivers who require an increased level of liability coverage will pay an extra $510 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 pay higher prices, with the cost nearing $463 per month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,730 more each year than a safer driver
- Increasing policy deductibles can save around $575 each year
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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