Toyota Land Cruiser Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance prices for a Toyota Land Cruiser are $1,614 every 12 months including full coverage. Comprehensive insurance costs an estimated $356, collision costs $648, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $3,500 or more. Teenage drivers pay the highest rates at $5,952 a year or more.
Average premium for full coverage: $1,614
Price estimates broken down by individual coverage:
Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Land Cruiser models.
Price Range from Low to High
For a driver around age 40, Toyota Land Cruiser insurance prices go from the cheapest price of $504 for minimum levels of liability insurance to the much higher price of $3,500 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area and their own driving history, instead of using 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.
Additional Rate Details
The chart below breaks down estimated Toyota Land Cruiser insurance rates for other coverage scenarios.
- The best discount rate is $916
- Choosing higher $1,000 deductibles can save approximately $228 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,614
- Using pricier low deductibles for comp and collision coverage costs an extra $442 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $3,500 or more
- The price to insure a teen driver for full coverage can cost as much as $5,952 each year
Car insurance prices for a Toyota Land Cruiser are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can save as much as $670 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,900 to $2,600 extra each year, depending on your age. Toyota Land Cruiser insurance for high-risk drivers ranges as much as 44% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota Land Cruiser insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.
| 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 Shop for Cheaper Toyota Land Cruiser Insurance
Getting lower rates on car insurance takes having a good driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a condensed summary of the coverage data covered above.
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $675 each year
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $496 a month if the policy includes full coverage
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,890 more annually to buy Toyota Land Cruiser 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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