Are Toyota Land Cruisers Expensive to Insure?

If you want to buy affordable Toyota Land Cruiser insurance coverage then you should know that a policy will cost $146 per month ($1,750 per year) on average. You can find cheap Toyota Land Cruiser insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $1,028 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 16, 2020

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Key takeaways:

  • Full coverage costs around $1,750 a year or $146 each month
  • A liability-only policy costs around $702 a year or $59 each month
  • Highest rates are for teenage drivers at around $6,396 a year or $533 each month
  • Good drivers can save as much as $722 a year by earning policy discounts
  • Toyota Land Cruiser insurance costs around $231 more per year than the average vehicle

Toyota Land Cruiser insurance rates average $1,750 a year or $146 a month for full coverage. Good drivers can save up to $722 a year in policy discounts by practicing safe driving habits. We’re going to talk about Toyota Land Cruiser insurance rates, insurance loss rates, and more.

You can start comparing quotes for Toyota Land Cruiser car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Land Cruiser Insurance Cost

The average Toyota Land Cruiser auto insurance costs are $1,750 a year or $146 a month.

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Are Toyota Land Cruisers Expensive to Insure?

The chart below details how Toyota Land Cruiser insurance rates compare to other SUVs like the Volkswagen Tiguan, Kia Telluride, and Jeep Cherokee.

Vehicle Comprehensive Collision Liability Total
Toyota Land Cruiser $420 $774 $398 $1,750
Volkswagen Tiguan $306 $542 $332 $1,316
Kia Telluride $376 $688 $316 $1,516
Jeep Cherokee $348 $626 $466 $1,640
Mitsubishi Outlander Sport $280 $512 $332 $1,260
GMC Yukon $376 $594 $372 $1,500
Jeep Grand Cherokee $322 $562 $372 $1,414
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Land Cruiser Insurance?

Even though the average annual rate for the Toyota Land Cruiser is $1,750, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Land Cruiser.

Age of the Vehicle

Older Toyota Land Cruiser models generally cost less to insure. For example, car insurance for a 2018 Toyota Land Cruiser costs $1,750, while 2010 Toyota Land Cruiser insurance costs are $1,390, a difference of $360.

Model Year Comprehensive Collision Liability Total
2018 Toyota Land Cruiser $420 $774 $398 $1,750
2017 Toyota Land Cruiser $406 $756 $416 $1,736
2016 Toyota Land Cruiser $392 $724 $430 $1,704
2015 Toyota Land Cruiser $370 $698 $442 $1,668
2014 Toyota Land Cruiser $356 $648 $452 $1,614
2013 Toyota Land Cruiser $342 $610 $456 $1,566
2011 Toyota Land Cruiser $306 $504 $460 $1,428
2010 Toyota Land Cruiser $296 $472 $464 $1,390
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Driver Age

Driver age can have a significant effect on Toyota Land Cruiser car insurance rates. As an example, a 30-year-old driver pays around $77 more each year for their Toyota Land Cruiser car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Land Cruiser insurance rates. For example, drivers in Phoenix may pay $963 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Toyota Land Cruiser auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Land Cruiser auto insurance rates with violations on their driving record.

Toyota Land Cruiser Crash Test Ratings

Good Toyota Land Cruiser crash test ratings can lower your Toyota Land Cruiser auto insurance rates. See Toyota Land Cruiser crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota Land Cruiser SUV AWD N/R N/R N/R N/R
2018 Toyota Land Cruiser SUV AWD N/R N/R N/R N/R
2017 Toyota Land Cruiser SUV AWD N/R N/R N/R N/R
2016 Toyota Land Cruiser SUV AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Land Cruiser Safety Features

Most drivers don’t realize that not only do Toyota Land Cruiser safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Toyota Land Cruiser auto insurance rates. The Toyota Land Cruiser’s safety features include:

  • Forward collision warning
  • Pedestrian detection
  • Automatic emergency braking
  • Lane departure warning
  • Automatic high-beam headlights
  • Adaptive cruise control

Toyota Land Cruiser Insurance Loss Probability

Review the Toyota Land Cruiser car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Toyota Land Cruiser auto insurance costs; higher percentages mean higher Toyota Land Cruiser auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -6%
Property Damage -12%
Comprehensive 71%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Toyota Land Cruiser Finance and Insurance Cost

If you are financing a Toyota Land Cruiser, most lenders will require your carry higher Toyota Land Cruiser coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Land Cruiser auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Toyota Land Cruiser Insurance

You can save more money on your Toyota Land Cruiser auto insurance rates by employing any of the following five strategies.

  • Ask About a Student Away from Home Discount
  • Consider Using a Tracking Device on Your Toyota Land Cruiser
  • Remove Young Drivers from Your Toyota Land Cruiser Insurance Plan
  • Bundle Your Toyota Land Cruiser Auto Insurance with Home Insurance
  • Re-Check Toyota Land Cruiser Quotes Every 6 Months

Top Toyota Land Cruiser Insurance Companies

Who is the best company for Toyota Land Cruiser insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Land Cruiser insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Land Cruiser offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Land Cruiser Insurance Quotes Online

You can start comparing quotes for Toyota Land Cruiser car insurance rates from some of the best car insurance companies by using our free online tool now.

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