Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Toyota Land Cruiser are $1,494 a year for full coverage. Comprehensive costs an estimated $328, collision insurance costs $548, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $3,226. 16-year-old drivers pay the highest rates at up to $5,558 a year.
Average premium for full coverage: $1,494
Price estimates broken down by individual coverage:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Land Cruiser models.
Price Range from Low to High
For a driver around age 40, Toyota Land Cruiser insurance prices range from the low end price of $510 for the bare minimum liability coverage to the much higher price of $3,226 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on insurance rates. More rural locations have lower incidents of accident claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why everyone should get quotes for a targeted area, rather than using 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.
Additional Rate Information
The chart below shows average Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best full coverage rate is $860
- Choosing higher $1,000 deductibles can save approximately $200 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,494
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,876
- Drivers with multiple tickets or accidents could pay up to $3,226
- The price that insures a teenage driver for full coverage can cost as much as $5,558 each year
Car insurance prices for a Toyota Land Cruiser are also quite variable based on the model of your Land Cruiser, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,800 to $2,400 extra each year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers ranges around 43% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Iowa, Maine, and Idaho, or at least $2,130 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $590 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Affordable Toyota Land Cruiser Insurance
Getting lower rates on auto insurance takes having a good driving record, having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The next list is a brief review of the concepts that were covered above.
- Drivers with DUI or reckless driving convictions may pay on average $1,730 more annually to buy Toyota Land Cruiser insurance
- Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $463 a month if full coverage is purchased
- Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $575 each year
- Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date
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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