Toyota Land Cruiser Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Land Cruiser is less expensive to insure than the average SUV.

• Liability insurance for a Land Cruiser tends to be about $70 monthly, while full coverage typically comes in at around $139 a month.

• Commonwealth Casualty is the most affordable auto insurance company for a Land Cruiser with a national average of just $39 monthly for liability only coverage.

Land Cruiser Overview

The Toyota Land Cruiser is a high-end SUV on the more expensive end of the spectrum, with new 2021 models starting at $85,515.

Based on looking at thousands of car insurance quotes from Compare.com, we've found that Toyota Land Cruiser auto insurance premiums run about $148 a month, on average. But how does that compare to other SUVs on the market?

How Much is Car Insurance for a Toyota Land Cruiser?

In the table above, you'll see that Toyota Land Cruiser insurance prices are below average compared to other vehicles. Land Cruiser owners can expect to pay around $70 per month for liability insurance, and about $139 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other Toyota models, the Land Cruiser is more affordable, with premiums more than 10% lower than the rest of the automaker's vehicle offerings. Similarly, coverage for the Land Cruiser is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive rates than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what body style, make, or model they are.

Who has the Cheapest Car Insurance for a Toyota Land Cruiser?

If you're looking for a car insurance policy for a Toyota Land Cruiser, you're probably wondering which carrier offers the lowest rates. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from MetLife. The runner up for lowest rates is Liberty Mutual, with car insurance policies starting sometimes as cheap as $33 a month.

Completing the top 5 carriers are Commonwealth Casualty, Workmens, and Infinity. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take lots of different things into consideration when offering you rates. The only way to guarantee you find the most affordable rates is to compare quotes from a range of insurance carriers.

What Factors Affect Car Insurance Rates for a Toyota Land Cruiser?

There are many attributes that car insurance companies consider to choose how much they charge -- and each carrier uses a different method, so there's not a single company that's the cheapest for every Land Cruiser driver.

The following sections show a lot of factors auto insurance carriers use to calculate rates:

Vehicle Age

The Toyota Land Cruiser has been around for a while -- that means vehicle age can make a big difference in what you end up paying for insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Land Cruisers begin to depreciate, insurance costs will gradually go down.

From the table above, you can see the Toyota Land Cruiser bucks the trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive Land Cruisers are 6 to 7 years old.

Your Age

Your age is another factor that makes a significant difference in how much you pay for car insurance. Based on the information above, drivers who are under 24 pay more compared to those who have more experience. In this case, drivers aged between 18 and 24 pay $41 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Land Cruiser drivers being 55-64.

Your Gender

Did you know women tend to pay less for insurance than men? This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. When it comes to Land Cruiser drivers specifically, women pay around $68 per month for auto insurance and men pay about $71.

Where You Live

You're probably already aware that variables like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live is just as important. Because car insurance is regulated on the state level rather than nationally, premiums can fluctuate quite a bit depending on which state you're located in.

For example, the average Toyota Land Cruiser owner in New York pays around $125 monthly for liability coverage. Meanwhile, the same driver from California will pay less than half of that price, on average.

Toyota Land Cruiser Car Insurance Discounts

Regardless of your home state, your car, or your age, it's always a smart move to take advantage of as many auto insurance discounts as possible.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for having several cars on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same company

But these aren't the only discounts insurance companies offer to their customers. Often, it's actually your insurance profile and driving history that get you the best rates.

Although you may not have control of every variable auto insurance carriers take a look at to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the factors you can use to your advantage in order to save on insurance:

Your Driving Record

You've most likely observed ads from auto insurance companies posting big savings for responsible drivers. It checks out that your car insurance rates will go up if you get into a collision or get a speeding ticket. But exactly how much can it cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost Land Cruiser drivers less than tickets, but both will result in a raise in rates. Toyota Land Cruiser drivers with a single ticket will pay about $95 per month, while drivers with one accident on their record pay an average of $94 every month (up $24 from the $70/mo. overall average). Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that plays a role in your insurance prices is the total distance you drive each year. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally be offered lower premiums. In the table above, you can see that Toyota Land Cruiser owners who drive 10,000 miles or more pay $68 for auto insurance, while those who drive fewer than 2,500 miles each year pay an average of $59 a month.

If you don't drive much because you work from home or have a second vehicle, it may be worth reviewing usage-based or pay-per-mile car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Toyota Land Cruisers Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Toyota Land Cruiser is on your shortlist, it might be helpful to do your due diligence. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering.

Check out the table below to see how the Toyota Land Cruiser stacks up:

Overall, the Toyota Land Cruiser is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. At $85,515, the Land Cruiser price comes in above the national average MSRP of $46,179.

Likewise, insurance rates are slightly higher when compared to the rest of the vehicle market. Liability insurance for a Toyota Land Cruiser is about $50 per month more than average, while full coverage is $2 less monthly.

When it comes to usage, Toyota Land Cruiser drivers are far from the national average in annual miles driven, with 11,660 miles for all vehicles a year compared to the Land Cruiser's 8,843 per year.

Toyota Land Cruiser Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for car insurance. If you're considering purchasing a new Land Cruiser, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

For this reason, we've decided to break down Toyota Land Cruiser auto insurance premiums by model year. Choose a specific Land Cruiser model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, such as base price, cheapest insurance carrier, and even available trims for each year the Land Cruiser has been around.

2021 Toyota Land Cruiser Car Insurance

The average 2021 Toyota Land Cruiser usually costs around $131 per month to insure for liability only and $167 a month for full coverage. And if you want the lowest insurance possible, AnswerFinancial offers liability only policies for as little as just $131 monthly.

While it's helpful to know how much the average driver pays for insurance, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, Compare.com will gather quotes from multiple carriers for you, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

2019 Toyota Land Cruiser Car Insurance

On average, drivers who own a 2019 Toyota Land Cruiser can expect to pay $39 to $163 a month for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as cheap as just $39 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2018 Toyota Land Cruiser Car Insurance

You can expect full coverage for a 2018 Land Cruiser to run about $297 a month, while liability only coverage will average around $50 per month.

Workmens offered the lowest policy we found, with rates sometimes as low as $50 monthly.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

2017 Toyota Land Cruiser Car Insurance

2017 Toyota Land Cruiser drivers can expect to pay an average of $61 per month for liability or $134 for full coverage.

With prices as low as $30 a month, MetLife offered the cheapest policy we found for the 2017 Toyota Land Cruiser.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get several personalized quotes for free.

2016 Toyota Land Cruiser Car Insurance

It costs about $133 monthly for liability or $144 for a full coverage policy for the 2016 Land Cruiser.

If you're looking for the most affordable 2016 Toyota Land Cruiser insurance policy, Infinity offered the lowest policy we found, with rates sometimes as little as $91 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2014 Toyota Land Cruiser Car Insurance

The average cost to insure a 2014 Toyota Land Cruiser with liability only coverage is $56 monthly, while full coverage runs around $172 a month.

With rates as little as $23 monthly, ACG offered the cheapest policy we found.

Interested in what your car insurance premium could look like? Just enter your ZIP code below to get lots of free personalized quotes.

2013 Toyota Land Cruiser Car Insurance

2013 Land Cruiser drivers can expect to pay an average of $53 per month for liability or $176 for full coverage.

MetLife has prices as low as just $27 a month for the 2013 Toyota Land Cruiser.

While these are good estimates of what the average driver might pay to insure a 2013 Toyota Land Cruiser, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2011 Toyota Land Cruiser Car Insurance

The average cost to insure a 2011 Toyota Land Cruiser with liability only coverage is $133 per month, while full coverage runs about $96 monthly.

We found PlymouthRockNJ offered the most affordable policy, with rates as cheap as $115 a month.

Want something more accurate than national averages? Just enter your ZIP code below to get a variety of free customized quotes.

2010 Toyota Land Cruiser Car Insurance

On average, drivers who own a 2010 Land Cruiser can expect to pay $112 to $238 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2010 Toyota Land Cruiser insurance policy, Esurance offered the cheapest policy we found, with rates sometimes as cheap as $112 a month.

If you want to know exactly how much you can expect to pay for your Land Cruiser, just enter your ZIP code below and get several free quotes in minutes.

2009 Toyota Land Cruiser Car Insurance

It costs around $53 per month for liability or $285 for a full coverage policy for the 2009 Toyota Land Cruiser.

We found Clearcover offered the lowest policy, with rates as low as just $45 monthly.

If you want to know exactly how much you can expect to pay for your Land Cruiser, just enter your ZIP code below and get free quotes in minutes.

Toyota Land Cruiser Insurance FAQs

Is a Toyota Land Cruiser expensive to insure?

It costs less to insure a Toyota Land Cruiser when compared to the average vehicle. Liability insurance runs an average of $70 a month, while full coverage will cost you around $139.

How can I get the best price on car insurance for my Toyota Land Cruiser?

There's only one way to be sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from lots of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Land Cruiser affect my insurance prices?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's simply not true. Although there are lots of variables insurance companies look at when they calculate how much you'll pay, the color of your vehicle is not one of them.

Do I need to have insurance before I buy a Toyota Land Cruiser?

You'll need to have valid auto insurance for your Land Cruiser before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you a car insurance policy, but it's best to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Toyota Land Cruiser?

There are a whole range of different discounts out there for auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the car you drive, but if your Land Cruiser has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know is to talk with your insurance agent and ask about which discounts they offer.