Toyota Land Cruiser Insurance Rates

The average insurance rates for a Toyota Land Cruiser are $1,494 a year including full coverage. Comprehensive costs around $328 a year, collision insurance costs $548, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $3,226. Teenage drivers cost the most to insure at up to $5,558 a year.

Average premium for full coverage: $1,494

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Land Cruiser trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code, instead of using average rates.

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

More Rate Details

The chart below breaks down average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.

• The best discount rate is $860
• Drivers who choose higher $1,000 deductibles will pay about $1,294 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,494
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,876
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,226
• Policy cost that insures a teen driver can be $5,558 a year

View Chart as Image

Insurance rates for a Toyota Land Cruiser also range considerably based on the trim level of your Land Cruiser, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,800 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age

Your home state makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,130 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $590 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Toyota Land Cruiser Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every year by quoting rates from direct car insurance companies, and also from local insurance agencies.

Below is a brief review of the coverage data touched on above.

• You may be able to save up to $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teenage drivers are charged the highest rates, with premiums being up to $463 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,730 more every year for auto insurance