Toyota Land Cruiser Insurance Rates

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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...

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UPDATED: Apr 15, 2024

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U.S. average insurance rates for a Toyota Land Cruiser are $1,566 a year including full coverage. Comprehensive costs approximately $342, collision costs $610, and liability costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $3,396. Teens pay the highest rates at $5,804 a year or more.

Average premium for full coverage: $1,566

Price estimates by individual coverage:

Comprehensive $342
Collision $610
Liability $456

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Land Cruiser trim levels.

Price Range from Low to High

For the normal driver, Toyota Land Cruiser insurance prices go from as low as $508 for just liability insurance to a much higher rate of $3,396 for a driver who requires high-risk insurance.

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

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of 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 breaks down estimated Toyota Land Cruiser insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $893
  • Using higher $1,000 deductibles will save $216 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,566
  • Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,986
  • Drivers with serious driving violations could pay around $3,396 or more
  • The price for full coverage for a teen driver with full coverage can cost $5,804 or more

View Chart as Image

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

Car insurance prices for a Toyota Land Cruiser are also quite variable based on your driving record, the model of your Land Cruiser, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Toyota Land Cruiser insurance prices. A driver around age 40 might see prices as low as $1,200 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,230 on average in Louisiana, New York, and Michigan.

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 cut prices by as much as $640 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different 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 Cheapest Toyota Land Cruiser Insurance

Getting lower rates on car insurance requires being safe and accident-free, having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a recap of the concepts that were presented in the illustrations above.

  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,830 more per year than a low-risk driver
  • Youthful drivers pay the highest auto insurance prices, possibly costing $484 a month if full coverage is included
  • You may be able to save around $190 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $625 each year
  • You may be able to save around $190 per year simply by shopping early and online

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.

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