Toyota Land Cruiser Insurance: Rates for Every Driver

• Average Toyota Land Cruiser insurance cost is $2,690 per year, or about $224 per month for full coverage.
• When compared to the entire large luxury SUV segment, the Land Cruiser ranks in the middle at fourth out of 11 total comparison vehicles.
• Insuring a used Land Cruiser could save as much as $818 over the cost of insuring new.

How much does Land Cruiser car insurance cost?

Average car insurance rates for a Toyota Land Cruiser cost $2,690 per year, or around $224 per month. For individual coverages, liability/medical (or PIP) coverage costs approximately $606 a year, collision coverage costs approximately $1,394, and the remaining comprehensive coverage will cost about $690.

The chart below details average Toyota Land Cruiser insurance rates using different combinations of driver age and risk.

The chart above shows just a handful of different possible car insurance rates for the Land Cruiser, when in fact, the total number of possible rates is literally in the billions due to the number of factors that make up a rate calculation.

Below are some additional cost considerations as well as potential discounts to look for on your next policy.

• High-risk Land Cruiser insurance is expensive. A 50-year-old driver with too many driving record violations or accidents could end up with a rate increase of $3,130 or more per year.
• Fewer violations mean cheaper rates. To pay the cheapest Land Cruiser auto insurance rates, it pays to not be aggressive behind the wheel. Not surprisingly, just one or two minor traffic violations could bump up the price of a policy by at least $708 per year. Being convicted of a crime such as driving under the influence of drugs or alcohol could raise rates by an additional $2,490 or more.
• Older drivers tend to pay less than younger drivers. The difference in 2021 Land Cruiser insurance rates between a 60-year-old driver ($2,218 per year) and a 20-year-old driver ($5,428 per year) is $3,210, or a savings of 84%.
• The cost to insure teen drivers on a Land Cruiser is expensive. Average rates for full coverage Land Cruiser insurance costs $9,418 per year for a 16-year-old driver, $9,194 per year for a 17-year-old driver, and $8,372 per year for an 18-year-old driver.
• Raise your credit for better rates. An excellent credit score over 800 could save as much as $422 per year when compared to a slightly lower credit rating between 670-739. Conversely, a diminished credit rating could cost up to $490 more per year.

How do Land Cruiser insurance rates compare?

When compared to similar vehicles, insurance for a Toyota Land Cruiser costs $130 less per year than the Mercedes-Benz GLS450, $444 more than the Volvo XC90, $34 less than the Cadillac Escalade, and $80 more than the BMW X7.

The Land Cruiser ranks fourth out of 11 total vehicles in the large luxury SUV category. It costs an average of $2,690 per year to insure for full coverage, while the category average is $3,035 per year, a difference of $345 per year.

The table below shows how 2021 Toyota Land Cruiser insurance rates compare to other vehicle models in the same segment.

How much is insurance on a used Land Cruiser?

Car insurance rates on a 2013 Land Cruiser could be as much as $818 less per year when compared to insuring a new 2021 model. Even the 2018 model could save around $312 per year over the cost of a newer model.

The data table below illustrates typical Toyota Land Cruiser car insurance rates for the 2013 through 2021 model years. The cost of insurance ranges from the cheapest rate of $1,872 for a 2013 Toyota Land Cruiser to the most expensive price of $2,690 for a new 2021 Land Cruiser.