Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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Average insurance rates for a Toyota Land Cruiser are $1,614 a year for full coverage. Comprehensive insurance costs an estimated $356, collision costs $648, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing $3,500 or more. Teen drivers receive the highest rates at $5,952 a year or more.
Average premium for full coverage: $1,614
Rate estimates broken down by individual coverage type:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Land Cruiser trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $504 for just the minimum liability insurance to a much higher rate of $3,500 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on price averages.
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 shows estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The lowest rate with discounts is $916
- Using higher $1,000 deductibles will save approximately $228 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,614
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $442 a year
- Drivers with multiple violations and an at-fault accident could pay up to $3,500 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,952 or more
Car insurance rates for a Toyota Land Cruiser can also vary considerably based on your driver profile, the trim level of your Land Cruiser, and liability limits and deductibles.
An older driver with no driving violations and high deductibles could pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age
Where you live has a huge impact on Toyota Land Cruiser insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,460 | -$154 | -9.5% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,542 | -$72 | -4.5% |
| Connecticut | $1,660 | $46 | 2.9% |
| Delaware | $1,826 | $212 | 13.1% |
| Florida | $2,018 | $404 | 25.0% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,160 | -$454 | -28.1% |
| Idaho | $1,092 | -$522 | -32.3% |
| Illinois | $1,202 | -$412 | -25.5% |
| Indiana | $1,214 | -$400 | -24.8% |
| Iowa | $1,088 | -$526 | -32.6% |
| Kansas | $1,534 | -$80 | -5.0% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,388 | $774 | 48.0% |
| Maine | $996 | -$618 | -38.3% |
| Maryland | $1,332 | -$282 | -17.5% |
| Massachusetts | $1,290 | -$324 | -20.1% |
| Michigan | $2,804 | $1,190 | 73.7% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,432 | -$182 | -11.3% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,272 | -$342 | -21.2% |
| Nevada | $1,936 | $322 | 20.0% |
| New Hampshire | $1,164 | -$450 | -27.9% |
| New Jersey | $1,804 | $190 | 11.8% |
| New Mexico | $1,428 | -$186 | -11.5% |
| New York | $1,698 | $84 | 5.2% |
| North Carolina | $930 | -$684 | -42.4% |
| North Dakota | $1,320 | -$294 | -18.2% |
| Ohio | $1,116 | -$498 | -30.9% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,538 | -$76 | -4.7% |
| Rhode Island | $2,152 | $538 | 33.3% |
| South Carolina | $1,462 | -$152 | -9.4% |
| South Dakota | $1,362 | -$252 | -15.6% |
| Tennessee | $1,414 | -$200 | -12.4% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,104 | -$510 | -31.6% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,478 | -$136 | -8.4% |
| Wisconsin | $1,116 | -$498 | -30.9% |
| Wyoming | $1,438 | -$176 | -10.9% |
Choosing high deductibles could cut rates by as much as $670 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Toyota Land Cruiser | $406 | $756 | $416 | $1,736 |
| 2020 Toyota Land Cruiser | $392 | $724 | $430 | $1,704 |
| 2019 Toyota Land Cruiser | $370 | $698 | $442 | $1,668 |
| 2018 Toyota Land Cruiser | $356 | $648 | $452 | $1,614 |
| 2017 Toyota Land Cruiser | $342 | $610 | $456 | $1,566 |
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 Best Cheap Toyota Land Cruiser Insurance
Saving money on Toyota Land Cruiser insurance requires being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Make time to compare rates once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
Below is a quick review of the data that was touched on in this article.
- Drivers can save approximately $200 per year simply by shopping early and online
- Drivers who want higher levels of liability will pay about $500 each year to increase from a minimum limit to 250/500 limits
- Teenage drivers have the highest car insurance rates, costing as high as $496 per month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,890 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,952 |
| 20 | $3,724 |
| 30 | $1,686 |
| 40 | $1,614 |
| 50 | $1,472 |
| 60 | $1,446 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,056 |
| $250 | $1,852 |
| $500 | $1,614 |
| $1,000 | $1,386 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,704 |
| 100/300 | $1,817 |
| 250/500 | $2,111 |
| 100 CSL | $1,750 |
| 300 CSL | $1,998 |
| 500 CSL | $2,179 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,522 |
| 20 | $5,934 |
| 30 | $3,582 |
| 40 | $3,500 |
| 50 | $3,342 |
| 60 | $3,312 |
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 | $87 |
| Multi-vehicle | $85 |
| Homeowner | $24 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $76 |
| Advance Quote | $82 |
| Online Quote | $116 |
| Total Discounts | $698 |
Discounts are estimated and may not be available from every company or in every state.
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