Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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Estimated auto insurance rates for a Toyota Land Cruiser are $1,566 annually for full coverage insurance. Comprehensive costs an estimated $342 a year, collision insurance costs $610, and liability coverage costs around $456. A policy with only liability insurance costs as low as $508 a year, and a high-risk policy costs around $3,396. Teens pay the most at up to $5,804 a year.
Average premium for full coverage: $1,566
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Land Cruiser trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Land Cruiser range from as cheap as $508 for liability-only coverage to a high of $3,396 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area 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.
Additional Charts and Tables
The chart below illustrates average Toyota Land Cruiser insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $893
- Using higher $1,000 deductibles will save approximately $1,350 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,566
- Selecting low $100 deductibles for physical damage coverage will cost $1,986
- Higher-risk drivers with serious driving violations could pay up to $3,396
- An auto insurance policy with full coverage for a teenage driver can cost as much as $5,804 or more
Car insurance prices for a Toyota Land Cruiser also have a wide range based on the model of your Land Cruiser, your risk profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $640 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Toyota Land Cruiser insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,110 on average in Florida, New York, and Michigan.
| 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% |
| 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 More Affordable Toyota Land Cruiser Insurance
Finding better rates on auto insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a summary of the data covered in the above illustrations.
- Consumers who want increased levels of liability coverage will pay approximately $500 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- It is possible to save approximately $190 per year just by quoting early and online
- Increasing policy deductibles could save up to $625 each year
- Drivers age 20 and younger have the highest car insurance prices, with premiums being up to $484 per month if comprehensive and collision insurance is included
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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