Toyota Land Cruiser Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 15, 2024

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The average auto insurance rates for a Toyota Land Cruiser are $1,614 annually for full coverage insurance. Comprehensive costs around $356, collision costs $648, and liability insurance is $452. Liability-only insurance costs around $504 a year, with high-risk driver insurance costing around $3,500. 16-year-old drivers cost the most to insure at $5,952 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Comprehensive $356
Collision $648
Liability $452

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Land Cruiser models.

Price Range Variability

For a driver around age 40, Toyota Land Cruiser insurance rates go from as cheap as $504 for just liability insurance to the much higher price of $3,500 for high-risk insurance.

Liability Only $504
Full Coverage $1,614
High Risk $3,500

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,211
Small Cities $1,695
Large Cities $2,179

The examples above illustrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate 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.

More Rate Details

The chart below illustrates estimated Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $916
  • Raising to $1,000 deductibles will save about $228 each year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,614
  • Buying pricier low deductibles will cost $2,056
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,500 or more
  • Policy cost with full coverage for a teen driver for full coverage can be $5,952

View Chart as Image

Toyota Land Cruiser insurance cost comparison chart
Column chart showing full coverage Toyota Land Cruiser insurance rates range from $916 to $5,952

Auto insurance rates for a Toyota Land Cruiser also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,600 in extra premium every year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers is expensive and can cost anywhere from 44% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $670 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Land Cruiser insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,180 on average in Michigan, New York, and Florida.

Toyota Land Cruiser Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,460 -$154 -9.5%
Alaska $1,238 -$376 -23.3%
Arizona $1,338 -$276 -17.1%
Arkansas $1,614 -$0 0.0%
California $1,840 $226 14.0%
Colorado $1,542 -$72 -4.5%
Connecticut $1,660 $46 2.9%
Delaware $1,826 $212 13.1%
Florida $2,018 $404 25.0%
Georgia $1,488 -$126 -7.8%
Hawaii $1,160 -$454 -28.1%
Idaho $1,092 -$522 -32.3%
Illinois $1,202 -$412 -25.5%
Indiana $1,214 -$400 -24.8%
Iowa $1,088 -$526 -32.6%
Kansas $1,534 -$80 -5.0%
Kentucky $2,200 $586 36.3%
Louisiana $2,388 $774 48.0%
Maine $996 -$618 -38.3%
Maryland $1,332 -$282 -17.5%
Massachusetts $1,290 -$324 -20.1%
Michigan $2,804 $1,190 73.7%
Minnesota $1,350 -$264 -16.4%
Mississippi $1,932 $318 19.7%
Missouri $1,432 -$182 -11.3%
Montana $1,732 $118 7.3%
Nebraska $1,272 -$342 -21.2%
Nevada $1,936 $322 20.0%
New Hampshire $1,164 -$450 -27.9%
New Jersey $1,804 $190 11.8%
New Mexico $1,428 -$186 -11.5%
New York $1,698 $84 5.2%
North Carolina $930 -$684 -42.4%
North Dakota $1,320 -$294 -18.2%
Ohio $1,116 -$498 -30.9%
Oklahoma $1,656 $42 2.6%
Oregon $1,478 -$136 -8.4%
Pennsylvania $1,538 -$76 -4.7%
Rhode Island $2,152 $538 33.3%
South Carolina $1,462 -$152 -9.4%
South Dakota $1,362 -$252 -15.6%
Tennessee $1,414 -$200 -12.4%
Texas $1,944 $330 20.4%
Utah $1,196 -$418 -25.9%
Vermont $1,104 -$510 -31.6%
Virginia $966 -$648 -40.1%
Washington $1,246 -$368 -22.8%
West Virginia $1,478 -$136 -8.4%
Wisconsin $1,116 -$498 -30.9%
Wyoming $1,438 -$176 -10.9%

View Chart as Image

Toyota Land Cruiser insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied between companies.

Toyota Land Cruiser Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Toyota Land Cruiser $406 $756 $416 $1,736
2020 Toyota Land Cruiser $392 $724 $430 $1,704
2019 Toyota Land Cruiser $370 $698 $442 $1,668
2018 Toyota Land Cruiser $356 $648 $452 $1,614
2017 Toyota Land Cruiser $342 $610 $456 $1,566

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 Buy More Affordable Toyota Land Cruiser Insurance

Finding cheaper rates on Toyota Land Cruiser insurance consists of being safe and accident-free, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the material that was covered above.

  • Drivers who may need more liability protection will pay around $500 annually to raise from a 30/60 limit to higher 250/500 limits
  • Youthful drivers are expensive to insure, possibly costing $496 each month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations pay on average $1,890 more every year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save up to $675 each year

Rates by Driver Age

Toyota Land Cruiser Insurance Rates by Driver Age
Driver Age Premium
16 $5,952
20 $3,724
30 $1,686
40 $1,614
50 $1,472
60 $1,446

Full coverage, $500 deductibles

Rates by Deductible

Toyota Land Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,056
$250 $1,852
$500 $1,614
$1,000 $1,386

Full coverage, driver age 40

Rates by Liability Limit

Toyota Land Cruiser Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,614
50/100 $1,704
100/300 $1,817
250/500 $2,111
100 CSL $1,750
300 CSL $1,998
500 CSL $2,179

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Land Cruiser Insurance Rates for High Risk Drivers
Age Premium
16 $8,522
20 $5,934
30 $3,582
40 $3,500
50 $3,342
60 $3,312

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.

SR-22 Surcharge $228

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $85
Homeowner $24
5-yr Accident Free $122
5-yr Claim Free $106
Paid in Full/EFT $76
Advance Quote $82
Online Quote $116
Total Discounts $698
Rate after discounts $916

Discounts are estimated and may not be available from every company or in every state.

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