Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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The average auto insurance rates for a Toyota Land Cruiser are $1,614 annually with full coverage. Comprehensive insurance costs around $356, collision insurance costs $648, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $3,500 or more. Teen drivers cost the most to insure at up to $5,952 a year.
Average premium for full coverage: $1,614
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Land Cruiser trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Land Cruiser insurance rates range from as cheap as $504 for your basic liability-only policy to a much higher rate of $3,500 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, 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.
More Rate Information
The chart below details average Toyota Land Cruiser insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $916
- Choosing higher $1,000 deductibles can save about $228 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,614
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $442 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,500
- Policy cost with full coverage for a teen driver with full coverage can be $5,952 each year
Auto insurance rates for a Toyota Land Cruiser also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $670 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota Land Cruiser insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,180 on average in Florida, Michigan, and New York.
| 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% |
| 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 Buy the Best Toyota Land Cruiser Insurance
Finding cheaper rates on Toyota Land Cruiser insurance takes being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the car insurance concepts touched on in this article.
- High-risk drivers who tend to receive serious violations may pay on average $1,890 more every year than a low-risk driver
- You may be able to save up to $200 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers who may need more liability protection will pay about $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
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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