Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota Land Cruiser are $1,566 every 12 months including full coverage. Comprehensive insurance costs approximately $342, collision insurance costs $610, and liability is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs $3,396 or more. Teenage drivers pay the highest rates at up to $5,804 a year.
Average premium for full coverage: $1,566
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Land Cruiser trim levels.
Price Range from Low to High
For a driver around age 40, Toyota Land Cruiser insurance prices range from the cheapest price of $508 for basic liability insurance to a much higher rate of $3,396 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using 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.
Rate Comparisons
The chart below breaks down average Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.
- The best discount rate is $893
- Raising to $1,000 deductibles will save $216 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,566
- Using more expensive low deductibles costs an extra $420 every year
- At-risk drivers who are prone to accidents and violations could pay around $3,396
- The price to insure a teen driver with full coverage can cost $5,804
Insurance prices for a Toyota Land Cruiser are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Land Cruiser.
Using high physical damage deductibles can reduce prices by up to $640 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,500 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Land Cruiser insurance prices. A middle-age driver might find prices as low as $1,200 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,230 on average in Louisiana, New York, and Michigan.
| 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 Low Cost Toyota Land Cruiser Insurance
Getting lower rates on car insurance consists of being a low-risk driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The items below are a review of the concepts that were covered above.
- Higher risk drivers who have several accidents or serious violations could be charged and average of $1,830 more per year to insure their Land Cruiser
- Teen drivers are the costliest to insure, possibly costing $484 a month if full coverage is included
- You may be able to save around $190 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $625 each year
- You may be able to save around $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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