Toyota Land Cruiser Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Toyota Land Cruiser are $1,566 a year for full coverage insurance. Comprehensive insurance costs on average $342, collision costs $610, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $3,396 or more. Teens cost the most to insure at $5,804 a year or more.

Average premium for full coverage: $1,566

Policy rates by type of insurance:

Comprehensive $342
Collision $610
Liability $456

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Land Cruiser trim levels.

Price Range Variability

For an average driver, Toyota Land Cruiser insurance rates go from as low as $508 for just the minimum liability insurance to a much higher rate of $3,396 for a high-risk driver policy.

Liability Only $508
Full Coverage $1,566
High Risk $3,396

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,175
Small Cities $1,644
Large Cities $2,114

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on 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 Rate Analysis

The chart below illustrates estimated Toyota Land Cruiser insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $893
  • Drivers who choose higher $1,000 deductibles will pay around $216 each year
  • The average rate for a good driver age 40 with $500 deductibles is $1,566
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $420 a year
  • High risk drivers with serious driving violations could pay upwards of $3,396 or more
  • Policy cost for full coverage for a teen driver with full coverage may cost $5,804 a year

View Chart as Image

Toyota Land Cruiser insurance cost comparison chart
Column chart showing full coverage Toyota Land Cruiser insurance prices range from $893 to $5,804

Insurance rates for a Toyota Land Cruiser also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Your home state makes a big difference in Toyota Land Cruiser insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,110 on average in Michigan, New York, and Florida.

Toyota Land Cruiser Insurance Rates by State
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%

View Chart as Image

Toyota Land Cruiser insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $640 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied from one company to the next.

Toyota Land Cruiser Insurance Rates by Model Year
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 Find the Right Toyota Land Cruiser Insurance

Finding cheaper rates on Toyota Land Cruiser insurance not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to compare rates every time your policy renews by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick rundown of the information covered in the above illustrations.

  • It is possible to save as much as $190 per year simply by shopping early and online
  • Teen drivers pay the highest rates, possibly costing $484 each month for full coverage
  • Increasing comprehensive and collision deductibles can save around $625 each year
  • High-risk drivers with reckless driving or DUI convictions pay an average of $1,830 more each year to insure their Land Cruiser
  • Drivers who require more liability coverage will pay approximately $500 annually to go from a 30/60 limit to 250/500 limits

Rates by Driver Age

Toyota Land Cruiser Insurance 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

Toyota Land Cruiser Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,986
$250 $1,792
$500 $1,566
$1,000 $1,350

Full coverage, driver age 40

Rates by Liability Limit

Toyota Land Cruiser Insurance Rates with Different Liability Limits
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

Toyota Land Cruiser Insurance 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.

SR-22 Surcharge $220

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
Rate after discounts $893

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles