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 auto insurance rates for a Toyota Land Cruiser are $1,494 annually for full coverage insurance. Comprehensive costs approximately $328, collision costs $548, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $3,226. Teenage drivers pay the highest rates at $5,558 a year or more.
Average premium for full coverage: $1,494
Price estimates by individual coverage:
Includes $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Land Cruiser trim levels.
Price Range from Low to High
For a driver in their 40's, Toyota Land Cruiser insurance prices go from as cheap as $510 for a discount liability-only rate to a much higher rate of $3,226 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below illustrates estimated Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.
- The best discount rate is $860
- Choosing higher $1,000 deductibles can save $200 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,494
- Using more expensive low deductibles for comp and collision coverage will cost $1,876
- Higher-risk drivers who are prone to accidents and violations could pay around $3,226 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost $5,558 each year
Auto insurance prices for a Toyota Land Cruiser are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,400 in extra premium each year, depending on your age. High-risk driver insurance ranges from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $590 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Toyota Land Cruiser insurance prices. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.
| 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 Buy the Cheapest Toyota Land Cruiser Insurance
Getting lower rates on insurance for a Toyota Land Cruiser takes not taking risks behind the wheel, having above-average credit, not filing small claims, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,730 more per year for Land Cruiser insurance
- Teens have the highest car insurance prices, as much as $463 a month if full coverage is included
- It is possible to save around $180 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $575 each year
- It is possible to save around $180 per year simply by shopping 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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