Toyota Land Cruiser Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 15, 2024
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The average auto insurance rates for a Toyota Land Cruiser are $1,566 annually with full coverage. Comprehensive insurance costs an estimated $342, collision costs $610, and liability costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing $3,396 or more. Teen drivers cost the most to insure at $5,804 a year or more.
Average premium for full coverage: $1,566
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Land Cruiser models.
Price Range Variability
Using a middle-aged driver as an example, Toyota Land Cruiser insurance rates go from as cheap as $508 for just liability coverage to the much higher price of $3,396 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
The examples above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price 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.
Detailed Rate Analysis
The chart below details estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The lowest rate with discounts is $893
- Drivers who choose higher $1,000 deductibles will pay approximately $216 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,566
- Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $420 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,396 or more
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,804 a year
Auto insurance rates for a Toyota Land Cruiser also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,900 to $2,500 in extra premium every year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers can cost from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $640 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,130 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,110 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,416 | -$150 | -9.6% |
| Alaska | $1,202 | -$364 | -23.2% |
| Arizona | $1,300 | -$266 | -17.0% |
| Arkansas | $1,566 | -$0 | 0.0% |
| California | $1,784 | $218 | 13.9% |
| Colorado | $1,498 | -$68 | -4.3% |
| Connecticut | $1,610 | $44 | 2.8% |
| Delaware | $1,772 | $206 | 13.2% |
| Florida | $1,960 | $394 | 25.2% |
| Georgia | $1,446 | -$120 | -7.7% |
| Hawaii | $1,126 | -$440 | -28.1% |
| Idaho | $1,060 | -$506 | -32.3% |
| Illinois | $1,168 | -$398 | -25.4% |
| Indiana | $1,180 | -$386 | -24.6% |
| Iowa | $1,056 | -$510 | -32.6% |
| Kansas | $1,488 | -$78 | -5.0% |
| Kentucky | $2,138 | $572 | 36.5% |
| Louisiana | $2,318 | $752 | 48.0% |
| Maine | $966 | -$600 | -38.3% |
| Maryland | $1,292 | -$274 | -17.5% |
| Massachusetts | $1,252 | -$314 | -20.1% |
| Michigan | $2,720 | $1,154 | 73.7% |
| Minnesota | $1,312 | -$254 | -16.2% |
| Mississippi | $1,876 | $310 | 19.8% |
| Missouri | $1,388 | -$178 | -11.4% |
| Montana | $1,682 | $116 | 7.4% |
| Nebraska | $1,234 | -$332 | -21.2% |
| Nevada | $1,878 | $312 | 19.9% |
| New Hampshire | $1,128 | -$438 | -28.0% |
| New Jersey | $1,750 | $184 | 11.7% |
| New Mexico | $1,386 | -$180 | -11.5% |
| New York | $1,650 | $84 | 5.4% |
| North Carolina | $902 | -$664 | -42.4% |
| North Dakota | $1,282 | -$284 | -18.1% |
| Ohio | $1,082 | -$484 | -30.9% |
| Oklahoma | $1,608 | $42 | 2.7% |
| Oregon | $1,434 | -$132 | -8.4% |
| Pennsylvania | $1,494 | -$72 | -4.6% |
| Rhode Island | $2,090 | $524 | 33.5% |
| South Carolina | $1,420 | -$146 | -9.3% |
| South Dakota | $1,322 | -$244 | -15.6% |
| Tennessee | $1,370 | -$196 | -12.5% |
| Texas | $1,886 | $320 | 20.4% |
| Utah | $1,160 | -$406 | -25.9% |
| Vermont | $1,074 | -$492 | -31.4% |
| Virginia | $938 | -$628 | -40.1% |
| Washington | $1,212 | -$354 | -22.6% |
| West Virginia | $1,434 | -$132 | -8.4% |
| Wisconsin | $1,084 | -$482 | -30.8% |
| Wyoming | $1,396 | -$170 | -10.9% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Toyota Land Cruiser | $392 | $724 | $430 | $1,704 |
| 2020 Toyota Land Cruiser | $370 | $698 | $442 | $1,668 |
| 2019 Toyota Land Cruiser | $356 | $648 | $452 | $1,614 |
| 2018 Toyota Land Cruiser | $342 | $610 | $456 | $1,566 |
| 2017 Toyota Land Cruiser | $328 | $548 | $460 | $1,494 |
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 Low Cost Toyota Land Cruiser Insurance
Finding cheaper rates on insurance for a Toyota Land Cruiser not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a review of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,830 more annually than a low-risk driver
- You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Insureds who want more liability protection will pay about $500 every year to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,804 |
| 20 | $3,610 |
| 30 | $1,634 |
| 40 | $1,566 |
| 50 | $1,428 |
| 60 | $1,402 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,986 |
| $250 | $1,792 |
| $500 | $1,566 |
| $1,000 | $1,350 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,566 |
| 50/100 | $1,657 |
| 100/300 | $1,771 |
| 250/500 | $2,068 |
| 100 CSL | $1,703 |
| 300 CSL | $1,954 |
| 500 CSL | $2,136 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,300 |
| 20 | $5,754 |
| 30 | $3,470 |
| 40 | $3,396 |
| 50 | $3,240 |
| 60 | $3,212 |
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 | $84 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $73 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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