Toyota Land Cruiser Insurance Rates

Average auto insurance rates for a Toyota Land Cruiser are $1,566 annually with full coverage. Comprehensive costs an estimated $342 each year, collision insurance costs $610, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $3,396. Teenage drivers receive the highest rates at up to $5,804 a year.

Average premium for full coverage: $1,566

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Land Cruiser models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details average Toyota Land Cruiser insurance rates for other coverage scenarios.

• The best discount rate is $893
• Drivers who choose higher $1,000 deductibles will pay approximately $216 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,566
• Using low deductibles for comprehensive and collision insurance will cost $1,986
• Drivers who are prone to accidents and violations could pay up to $3,396
• The cost with full coverage for a 16-year-old driver can cost as much as $5,804 a year

View Chart as Image

Insurance rates for a Toyota Land Cruiser can also vary considerably based on the trim level of your Land Cruiser, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,900 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $640 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,110 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Best Toyota Land Cruiser Insurance

Saving money on insurance for a Toyota Land Cruiser not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the data covered in the above illustrations.

• Insureds who want more liability coverage will pay an extra $500 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing deductibles could save up to $625 each year
• Teen drivers are charged the highest rates, with premiums as much as $484 per month including comprehensive and collision insurance