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 $1,566 annually for full coverage. Comprehensive insurance costs around $342, collision costs $610, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $3,396 or more. Teens pay the highest rates at $5,804 a year or more.
Average premium for full coverage: $1,566
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 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 $508 for just liability insurance to a much higher rate of $3,396 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.
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 shows estimated Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $893
- Choosing higher $1,000 deductibles can save about $216 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,566
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $420 each year
- Drivers with serious driving violations could pay at least $3,396 or more
- The price with full coverage for a teenage driver with full coverage can be $5,804 each year
Insurance prices for a Toyota Land Cruiser are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,900 to $2,500 additional each year, depending on your age. High-risk driver insurance ranges around 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $640 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each 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 rates. A good driver about age 40 could pay as low as $1,030 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,230 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer calculates prices differently, and prices may be quite different 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
Getting lower rates on auto insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the car insurance concepts covered in the charts and tables above.
- Drivers who have several accidents or serious violations pay an average of $1,830 more every year to insure a Toyota Land Cruiser
- Drivers can save up to $190 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $625 each year
- Consumers who may need increased liability limits will pay approximately $500 each year to raise limits from a low 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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