Toyota Land Cruiser Insurance Cost for 2022

How much does Toyota Land Cruiser car insurance cost? More than the Volvo XC90 but less than the Range Rover, Land Cruiser insurance rates rank towards the middle of the large luxury SUV pack.

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How much does Land Cruiser car insurance cost?

Average car insurance rates for a Toyota Land Cruiser cost $1,902 per year, or around $159 per month. For individual coverages, liability/medical (or PIP) coverage costs approximately $438 a year, collision coverage costs approximately $972, and the remaining comprehensive coverage will cost about $492.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Toyota Land Cruiser with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota Land Cruiser trim levels.Data last updated on November 15, 2022
Toyota Land Cruiser Insurance Cost Summary
Toyota Land Cruiser Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,326$361
Safe Driver Age 20$3,790$316
At-fault Accidents Age 40$2,664$222
Low Deductibles Age 40$2,550$213
Safe Driver Age 30$2,024$169
Safe Driver Age 40$1,902$159
Safe Driver Age 50$1,730$144
Safe Driver Age 60$1,700$142
Discount Rate Age 40$1,580$132
High Deductibles Age 40$1,570$131

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 $2,220 or more per year.
  • Fewer violations means 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 $494 per year. Being convicted of a crime such as driving under the influence of drugs or alcohol could raise rates by an additional $1,742 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 ($1,700 per year) and a 20-year-old driver ($3,790 per year) is $2,090, or a savings of 55.1%.
  • The cost to insure teen drivers on a Land Cruiser is expensive. Average rates for full coverage Land Cruiser insurance costs $6,602 per year for a 16-year-old driver, $6,238 per year for a 17-year-old driver, and $5,854 per year for a 18-year-old driver.
  • Raise your credit for better rates. An excellent credit score over 800 could save as much as $299 per year when compared to a slightly lower credit rating between 670-739. Conversely, a diminished credit rating could cost up to $346 more per year.

How do Land Cruiser insurance rates compare?

When compared to similar vehicles, insurance for a Toyota Land Cruiser costs $92 less per year than the Mercedes-Benz GLS450, $318 more than the Volvo XC90, $30 less than the Cadillac Escalade, and $58 more than the BMW X7.

The Land Cruiser ranks #4 out of 11 total vehicles in the large luxury SUV category. It costs an average of $1,902 per year to insure for full coverage, while the category average is $2,144 per year, a difference of $242 per year.

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

Insurance Cost Comparison: Toyota Land Cruiser vs Large Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Volvo XC90$1,584-$318
2BMW X7$1,844-$58
3Lincoln Navigator$1,858-$44
4Toyota Land Cruiser$1,902--
5Cadillac Escalade$1,932$30
6Mercedes-Benz GLS450$1,994$92
7Lexus LX 570$2,206$304
8Mercedes-Benz AMG GLS63$2,410$508
9Land Rover Range Rover$2,476$574
10Mercedes-Benz G550$2,486$584
11Mercedes-Benz G63 AMG$2,894$992

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 15, 2022
Insurance Cost Comparison: Toyota Land Cruiser vs Large Luxury SUVs

How much is insurance on a used Land Cruiser?

Car insurance rates on a 2013 Land Cruiser could be as much as $472 less per year when compared to insuring a new 2021 model. Even the 2018 model could save around $148 per year over the cost of new.

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 $1,430 for a 2013 Toyota Land Cruiser to the most expensive price of $1,902 for a new 2021 Land Cruiser.

Toyota Land Cruiser Insurance Cost for 2013-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2021 Toyota Land Cruiser$1,902$951$159
2020 Toyota Land Cruiser$1,860$930$155
2019 Toyota Land Cruiser$1,808$904$151
2018 Toyota Land Cruiser$1,754$877$146
2017 Toyota Land Cruiser$1,704$852$142
2016 Toyota Land Cruiser$1,556$778$130
2015 Toyota Land Cruiser$1,612$806$134
2014 Toyota Land Cruiser$1,476$738$123
2013 Toyota Land Cruiser$1,430$715$119

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 15, 2022
Toyota Land Cruiser Insurance Cost by Model Year