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 insurance. Comprehensive costs an estimated $328 each year, collision costs $548, and liability coverage is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing around $3,226. 16-year-old drivers pay the highest rates at $5,558 a year or more.
Average premium for full coverage: $1,494
Price estimates broken down by individual coverage:
Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Land Cruiser models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Land Cruiser insurance prices go from as low as $510 for basic liability insurance to a high rate of $3,226 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, 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.
Rate Comparisons
The chart below illustrates estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best full coverage rate is $860
- Raising to $1,000 deductibles will save approximately $200 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,494
- Buying low deductibles will increase the cost to $1,876
- Unlucky drivers with multiple tickets or accidents could pay up to $3,226 or more
- The price for full coverage for a teenage driver can cost as much as $5,558
Insurance prices for a Toyota Land Cruiser are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,500 a year. View Rates by Age
The state you live in also has a big influence on Toyota Land Cruiser insurance rates. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,020 on average in Florida, New York, 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 reduce prices by up to $590 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices may be quite 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 the Right Toyota Land Cruiser Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a quick rundown of the ideas that were raised in the charts and tables above.
- Teen drivers are expensive to insure, as much as $463 a month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions pay on average $1,730 more annually to insure their Land Cruiser
- Increasing physical damage deductibles can save around $575 each year
- It is possible to save approximately $180 per year simply by quoting online in advance
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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