Toyota Land-Cruiser Insurance Rates
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UPDATED: Dec 19, 2019
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Every driver of a Toyota Land Cruiser needs car insurance, but it can be hard to find affordable rates for an SUV. Average Toyota Land Cruiser insurance rates are $150 per month or $1,800 annually.
Read through our comprehensive guide, and we’ll cover details about what is collision insurance and what does it cover on your Land Cruiser, as well as average costs for Land Cruisers by area, model year, safety rating. Soon, you’ll be able to lower the car insurance costs for your Toyota Land Cruiser like a professional.
Start comparing affordable rates from car insurance companies for your Toyota Land Cruser by entering your five-digit ZIP code into our FREE quote comparison tool.
There are many options when buying insurance for your Toyota Land-Cruiser. You can get prices from an agent or shop online to compare rates from multiple companies. online is easy and there is a good chance you can save money.
shopping for insurance may think buying cheap Toyota Land-Cruiser insurance is very challenging. Finding lower Toyota Land-Cruiser insurance cost is not rocket science. You just have to spend a little time getting comparison quotes from different insurance companies. by comparing rates here.
Car insurance premiums for a Toyota Land-Cruiser will vary greatly based upon several criteria. Some of these factors include:
- The performance level of your Land-Cruiser
- Your accident history
- Use of your vehicle
- Extra coverages like towing and rental
- Your claim history
- No coverage lapses saves money
- Whether you own your home
An additional factor Toyota Land-Cruiser insurance rates is the year of the vehicle. Newer models than older models so repair costs are higher which will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes so those may lower rates.
Liability coverage - Liability insurance protects you from damage that occurs to other people or property Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as much as you can afford.
Collision coverage - pays for damage to your Land-Cruiser caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. Toyota Land-Cruiser collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive coverage - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage .
Medical payments coverage and PIP - Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not available in all states and gives slightly broader coverage than med pay.
We’ve covered details many about how much is insurance on a 2020 Toyota Land Cruiser and you’ve seen our car insurance estimates.
Right now you can save money just by getting quotes for your Toyota Land Cruiser 2020 model in advance. Just enter your ZIP code into our FREE car insurance calculator tool below to get started.
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How does the size and class of the Toyota Land Cruiser affect liability rates?
To start, let’s establish what liability insurance covers. This coverage protects you if you cause an accident. It pays for the other driver’s property damage bills and medical bills so that there is less risk of you being sued and you don’t have to pay out of pocket for costs.
This important coverage is so vital that most states have laws requiring drivers to have liability coverage. Not having liability coverage could result in you losing your license and being labeled as a high-risk driver.
However, the cost of liability insurance can make purchasing good coverage difficult if you have a vehicle that can do damage to other vehicles or a vehicle that crashes easily.
The Toyota Land Cruiser is a full-size SUV, which can pack a punch in a crash. If a car is smaller or less sturdy than the Toyota Land Cruiser, the smaller vehicle will suffer more damage.
Because of this, SUVs tend to have higher liability insurance rates.
The plus side of having a vehicle that is larger and heavier is that you are more protected in a crash, even if you have to pay more for liability insurance.
What does liability insurance cost for the Toyota Land Cruiser?
We went over quite a few rates earlier, but we want to cover liability rates more in-depth to find out which cars are cheapest to insure and if the Toyota Land Cruiser is one of them. To give you a sample of how much it will cost to increase your liability coverage, we got a sample quote from Geico.
Our sample was based on a 40-year-old male driver who lives in Pennsylvania. He has a clean driving record, travels 13,000 miles a year, and owns his 2020 Toyota Land Cruiser.
The first set of rates below are for bodily injury liability coverage levels (based on a six-month policy period).
- Low ($15,000/$30,000): $38.77
- Medium ($100,000/$200,000): $79.46
- High ($500,000/$500,000): $127.91
Bodily injury liability limits are extremely high, as it costs much more to repair a person than a car. Because of this, it costs more to upgrade your bodily injury liability coverage than your property damage liability coverage (as you can see below).
- Low ($5,000): $434.69
- Medium ($20,000): $463.34
- High ($100,000): $484.28
While it costs $89 to upgrade your bodily injury liability from low to high coverage, it only costs $50 for property damage liability. Both of these prices are decent, as the total for both high coverages is only $22 more a month.
What is the MSRP of the Toyota Land Cruiser?
You may have noticed the acronym MSRP before, as it shows up on everything from clothing tags to appliances. It means the manufacturer suggested retail price, and it is simply the price a manufacturer thinks their product is worth.
Most sellers won’t sell expensive products like cars at the MSRP value. Instead, sellers will mark the price up or down, depending on the seller, to the invoice price.
While some people will pay the invoice price, most buyers will pay what is known as the fair market price. This is the fair price others are buying the car for.
So what is a fair price for a 2020 Toyota Land Cruiser? According to Kelley Blue Book, the 2020 base model has the following price ranges.
- MSRP: $86,740
- Invoice Price: $77,771
- Fair Market Range: $76,056 to $82,641
- Fair Purchase Price: $79,349
The fair purchase price is about $7,400 less than the MSRP price but about $1,600 more than the invoice price. How much you’ll pay will depend on the seller you chose and the area you live in.
However, the MSRP will stay the same, which is why insurers use this price to determine average rates rather than invoice price or fair market range prices.
The main coverages MSRP will affect are collision rates and comprehensive rates. Both of these coverages pay for repairs for your vehicle after an accident.
Collision coverage covers accidents with other vehicles or objects. Comprehensive coverage covers animal collisions, natural disasters/weather, theft, and vandalism.
Collision and comprehensive coverage are not mandatory unless your lender requires you to carry them when you sign a lease, known as force-place insurance. However, we highly recommend carrying these coverages.
If you don’t have them, you will have to pay for your vehicle repairs out of pocket. So even though these coverages may cost a little more because the MSRP is high for the Toyota Land Cruiser, it’s better than going broke after an accident.
How much will it cost to repair my Toyota Land Cruiser?
Just like a high MSRP can raise your rates, high repair costs can also add extra onto your collision and comprehensive rates. Since the Toyota Land Cruiser is a more expensive vehicle, it stands to reason that repairs and maintenance will cost more.
The bad news is that RepairPal gave a poor reliability rating of 2.5 out of 5 to the Toyota Land Cruiser. This means the Toyota Land Cruiser is more prone to unscheduled repairs. such as breakdowns.
In fact, the average annual repair costs are $843 for the Toyota Land Cruiser; this estimate includes maintenance like oil changes.
This is high, as the average annual repair costs for full-size SUVs only amounts to $784. The Toyota Land Cruiser also has higher than average rates for accident repairs.
We used an online tool from InstantEstimator to get rates for level two damage to a 2020 Toyota Land Cruiser. Take a look at the estimates below.
- Front bumper: $413
- Rear bumper: $423
- Hood: $411
- Roof: $483
- Front door: $403
- Back door: $391
- Fender: $363
- Quarter panel: $375
The roof and rear bumper are the most expensive parts to repair for the Toyota Land Cruiser. Both will cost you over $400 to repair for just level two damage. More serious dents and structural damage could cost you even more.
In addition, these estimates don’t include shipping costs, as they are only based on body and paint labor, paint supplies, hazardous waste disposal, and the final sanding, painting, and buffing.
Depending on where you live, the repair shop you use, and the cost of any shipped parts, you may find your repair costs are lower or higher than these estimated repair costs.
What are the safety features of the Toyota Land Cruiser?
The Toyota Land Cruiser has some great safety features. Take a look at a list of safety features for the 2020 Toyota Land Cruiser below.
- Crash prevention: anti-lock brakes and stability control.
- Crash protection: front-impact airbags, side-impact airbags, overhead airbags, knee airbags, seatbelt pre-tensioners, and anti-whiplash headrests.
- Anti-theft protection: vehicle intrusion detection and ignition disable device.
The Toyota Land Cruiser has a decent array of basic safety features, which means you may earn a higher discount. Insurers value cars that have features that help prevent insurers from having to pay out claims.
For example, if your anti-lock brakes help prevent a crash, your insurer won’t have to pay a claim for vehicle repairs.
Insurers may also use fatality data research to see how many fatalities occur for SUVs versus other models. The Insurance Institute for Highway Saftey performed a 2018 study on crash fatalities for cars, SUVs, and pickups, so we want to take some time to go through the data.
The first set of fatalities below are driver deaths per million vehicles for the three different vehicle types.
- 23 fatalities for SUVs
- 34 fatalities for pickups
- 48 fatalities for cars
SUVs have significantly lower fatality rates for drivers. If you take a look at the all occupant fatalities per million vehicles below, you can see that SUVs once again have the lowest number of fatalities.
- 32 fatalities for SUVs
- 42 fatalities for pickups
- 69 fatalities for cars
SUVs have over half the amount of fatalities that cars do. They also have 10 fewer fatalities per million vehicles than pickups. However, pickups do have slightly fewer fatalities for the total number of fatalities in 2018. While SUVs had 5,035 total fatalities, pickups only had 4,369 fatalities.
Still, SUVs fatalities were low compared to car fatalities, which totaled 13,138. Take a look at the breakdown of SUV fatalities by crash type below.
- Frontal Impact: 2,784 fatalities
- Side Impact: 930 fatalities
- Rear Impact: 286 fatalities
- Other (mostly rollovers): 1,035 fatalities
Frontal impacts and rollovers make up the bulk of the fatalities for SUVs. However, the overall fatalities are still low, which is good. This means that if you own an SUV, you may have lower average rates.
What are the safety ratings for the Toyota Land Cruiser?
You’ve found a Toyota Land Cruiser for sale, but is Land Cruiser a good car? Whether you’re looking at a Toyota Land Cruiser 2021 model or a Toyota Land Cruiser FJ40, you want a vehicle that will be reliable and safe.
Look at the Toyota Land Cruiser safety ratings is a good way to see what discounts you might qualify for, and what may cost you more money.
Unfortunately, no safety tests have been performed by either the Insurance Institute for Highway Safety or the National Highway Traffic and Saftey Administration.
Is it worth buying a Land Cruiser if no crash tests were performed on the vehicle? Manufacturers perform heir own safety tests, but it is common for less popular car models to go untested.
Toyota Land Cruiser Compared Against other Vehicles in the Same Class
Officially, the Insurance Institute for Highway Safety classifies the Toyota Land Cruiser as a large luxury SUV.
Comparing the Toyota Land Cruiser to similar vehicles can help you save money, especially if the Toyota Land Cruiser has a better loss ratio than other large luxury SUVs.
For example, it makes sense to ask what is the difference between a Land Cruiser and LX, a Lexus SUV. Lexus is Toyota’s luxury brand and the LX is in the same vehicle class as the Land Cruiser.
However, asking what’s the difference between Toyota Land Cruiser and Sequoia is misleading because the Sequoia is only considered to be a full-sized SUV.
Take a look at some comparable luxury SUVs below.
Which vehicles are the most expensive to insure? Anything high-risk, meaning a car that is unsafe, expensive to fix, or more likely to get stolen.
Are Toyotas more expensive to insure? The Land Cruiser’s insurance loss ratio for property damage liability and personal injury liability is substantially better than average at -34 percent and -66 percent respectively. This is great news for your car insurance rates.
Unfortunately, the comprehensive loss ratios are substantially worse than average at 52 percent, which may lead to insurance rate increases.
What is the best year for a Land Cruiser? That depends on if you want a rugged model from the mid-90s or a more updated modern design like the Toyota Land Cruiser Prado.
Of course, there is also the adventurous Toyota Land Cruiser 70 Series, which is built for off-roading. A brief read of the Toyota Land Cruiser wiki explains how this new model replaced the 24-year-old Land Cruiser 40 Series.
Whatever Land Cruiser best fits your personality and style, make sure you compare insurance quotes to secure the cheapest possible rates.
Ready to get the cheapest rates for your 2019 Toyota Land Cruiser? Enter your ZIP code into our FREE quote comparison tool to get started.
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