Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Average insurance rates for a Toyota Land Cruiser are $1,494 a year including full coverage. Comprehensive insurance costs around $328 a year, collision costs $548, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $3,226 or more. Teenage drivers receive the highest rates at $5,558 a year or more.
Average premium for full coverage: $1,494
Rate estimates for individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Land Cruiser trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as low as $510 for just liability insurance to a high of $3,226 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and risk profile, rather than 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.
More Rate Details
The chart below breaks down estimated Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The best discount rate is $860
- Choosing higher $1,000 deductibles can save about $1,294 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,494
- Using low $100 deductibles for comp and collision coverage will cost an extra $382 each year
- Drivers who are prone to accidents and violations could pay at least $3,226 or more
- The cost for full coverage for a teenage driver can be $5,558 each year
Insurance rates for a Toyota Land Cruiser can also vary considerably based on your driver profile, the model of your Land Cruiser, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,130 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $590 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| 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 Cheaper Toyota Land Cruiser Insurance
Saving money on auto insurance takes having a decent driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a condensed summary of the ideas that were covered in the above illustrations.
- 16 to 18-year-old drivers are charged the highest rates, as much as $463 per month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents pay on average $1,730 more every year than a driver with a clean driving record
- Increasing deductibles can save around $575 each year
- You may be able to save up to $180 per year simply by quoting early and online
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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