Toyota Land Cruiser Insurance Rates

Average insurance rates for a Toyota Land Cruiser are $1,494 a year with full coverage. Comprehensive costs approximately $328, collision insurance costs $548, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,226. Teenage drivers receive the highest rates at up to $5,558 a year.

Average premium for full coverage: $1,494

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Land Cruiser trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details average Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.

• The best discount rate is $860
• Drivers who choose higher $1,000 deductibles will pay $200 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,494
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,876
• Higher-risk drivers who are prone to accidents and violations could pay around $3,226
• The cost for full coverage for a teen driver with full coverage can cost $5,558 a year

View Chart as Image

Insurance rates for a Toyota Land Cruiser can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $590 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Toyota Land Cruiser Insurance

Saving money on car insurance not only requires being a good driver, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a recap of the data touched on above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $510 every year to go from a minimum limit to 250/500 limits
• You may be able to save around $180 per year just by shopping early and online
• Increasing deductibles can save around $575 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $463 per month for full coverage