Toyota Land Cruiser Insurance Rates
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Michelle Robbins
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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...
UPDATED: Apr 15, 2024
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Average auto insurance rates for a Toyota Land Cruiser are $1,494 annually with full coverage. Comprehensive costs an estimated $328 each year, collision insurance costs $548, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,226. Teenage drivers receive the highest rates at up to $5,558 a year.
Average premium for full coverage: $1,494
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Land Cruiser models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $510 for basic liability insurance to a high rate of $3,226 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below details average Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best discount rate is $860
- Drivers who choose higher $1,000 deductibles will pay approximately $200 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,494
- Using low deductibles for comprehensive and collision insurance will cost $1,876
- Drivers who are prone to accidents and violations could pay up to $3,226
- The cost with full coverage for a 16-year-old driver can cost as much as $5,558 a year
Insurance rates for a Toyota Land Cruiser can also vary considerably based on the trim level of your Land Cruiser, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $590 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Land Cruiser insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,020 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$144 | -9.6% |
| Alaska | $1,144 | -$350 | -23.4% |
| Arizona | $1,240 | -$254 | -17.0% |
| Arkansas | $1,494 | -$0 | 0.0% |
| California | $1,700 | $206 | 13.8% |
| Colorado | $1,426 | -$68 | -4.6% |
| Connecticut | $1,534 | $40 | 2.7% |
| Delaware | $1,690 | $196 | 13.1% |
| Florida | $1,866 | $372 | 24.9% |
| Georgia | $1,378 | -$116 | -7.8% |
| Hawaii | $1,072 | -$422 | -28.2% |
| Idaho | $1,012 | -$482 | -32.3% |
| Illinois | $1,112 | -$382 | -25.6% |
| Indiana | $1,122 | -$372 | -24.9% |
| Iowa | $1,006 | -$488 | -32.7% |
| Kansas | $1,418 | -$76 | -5.1% |
| Kentucky | $2,038 | $544 | 36.4% |
| Louisiana | $2,208 | $714 | 47.8% |
| Maine | $922 | -$572 | -38.3% |
| Maryland | $1,232 | -$262 | -17.5% |
| Massachusetts | $1,196 | -$298 | -19.9% |
| Michigan | $2,594 | $1,100 | 73.6% |
| Minnesota | $1,250 | -$244 | -16.3% |
| Mississippi | $1,788 | $294 | 19.7% |
| Missouri | $1,324 | -$170 | -11.4% |
| Montana | $1,604 | $110 | 7.4% |
| Nebraska | $1,178 | -$316 | -21.2% |
| Nevada | $1,790 | $296 | 19.8% |
| New Hampshire | $1,076 | -$418 | -28.0% |
| New Jersey | $1,670 | $176 | 11.8% |
| New Mexico | $1,324 | -$170 | -11.4% |
| New York | $1,572 | $78 | 5.2% |
| North Carolina | $860 | -$634 | -42.4% |
| North Dakota | $1,222 | -$272 | -18.2% |
| Ohio | $1,032 | -$462 | -30.9% |
| Oklahoma | $1,534 | $40 | 2.7% |
| Oregon | $1,368 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$70 | -4.7% |
| Rhode Island | $1,992 | $498 | 33.3% |
| South Carolina | $1,352 | -$142 | -9.5% |
| South Dakota | $1,260 | -$234 | -15.7% |
| Tennessee | $1,308 | -$186 | -12.4% |
| Texas | $1,800 | $306 | 20.5% |
| Utah | $1,106 | -$388 | -26.0% |
| Vermont | $1,022 | -$472 | -31.6% |
| Virginia | $894 | -$600 | -40.2% |
| Washington | $1,154 | -$340 | -22.8% |
| West Virginia | $1,368 | -$126 | -8.4% |
| Wisconsin | $1,034 | -$460 | -30.8% |
| Wyoming | $1,332 | -$162 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Toyota Land Cruiser | $370 | $698 | $442 | $1,668 |
| 2020 Toyota Land Cruiser | $356 | $648 | $452 | $1,614 |
| 2019 Toyota Land Cruiser | $342 | $610 | $456 | $1,566 |
| 2018 Toyota Land Cruiser | $328 | $548 | $460 | $1,494 |
| 2017 Toyota Land Cruiser | $306 | $504 | $460 | $1,428 |
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 the Best Toyota Land Cruiser Insurance
Saving money on insurance for a Toyota Land Cruiser not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief recap of the data covered in the above illustrations.
- Insureds who want more liability coverage will pay an extra $510 every year to go from a minimum limit to higher 250/500 limits
- You may be able to save approximately $180 per year just by quoting online in advance
- Increasing deductibles could save up to $575 each year
- Teen drivers are charged the highest rates, with premiums as much as $463 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,558 |
| 20 | $3,426 |
| 30 | $1,556 |
| 40 | $1,494 |
| 50 | $1,362 |
| 60 | $1,336 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,876 |
| $250 | $1,700 |
| $500 | $1,494 |
| $1,000 | $1,294 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,494 |
| 50/100 | $1,586 |
| 100/300 | $1,701 |
| 250/500 | $2,000 |
| 100 CSL | $1,632 |
| 300 CSL | $1,885 |
| 500 CSL | $2,069 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,934 |
| 20 | $5,458 |
| 30 | $3,298 |
| 40 | $3,226 |
| 50 | $3,080 |
| 60 | $3,052 |
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 | $80 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $67 |
| Advance Quote | $73 |
| Online Quote | $107 |
| Total Discounts | $634 |
Discounts are estimated and may not be available from every company or in every state.
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