Toyota Land Cruiser Car Insurance Cost 2025
On average, insuring a Toyota Land Cruiser costs around $2,664 annually. However, your actual rate may differ depending on factors like your age, the vehicle’s model year, and other personal details. Use the quote tables below to get a personalized estimate.
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Insuring a Toyota Land Cruiser typically costs more than the average SUV due to its high value, luxury features, and off-road capabilities. On average, full coverage for a 2025 model runs about $2,664 per year, or roughly $222 each month.
These premiums reflect the vehicle’s expensive repair costs, advanced technology, and its appeal to both families and adventurers.
While this price may seem steep, rates can vary significantly based on the driver’s record, location, and insurer. By comparing quotes and exploring available discounts, drivers can often reduce their insurance costs without compromising on coverage for this iconic SUV.
How Much Does Toyota Land Cruiser Car Insurance Cost?
Toyota Land Cruiser owners generally pay around $2,664 per year for car insurance on average.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your vehicle, and the type of coverage you choose. A clean driving record can lead to lower premiums, while a history of accidents or traffic violations could increase your costs.
Living in a busy urban area with heavy traffic often results in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also plays a role in determining your premium—comprehensive coverage, which includes both comprehensive and collision, typically costs more than basic liability coverage.
As seen in the table below, the insurance cost for a Toyota Land Cruiser is lower than the average for all Toyota models but is still cheaper than the average for all vehicles. Insuranceopedia is here to help you compare quotes from different auto insurance providers, ensuring you find the best rate for your needs.
| Vehicle | Average Monthly Premium |
| Toyota Land Cruiser | $138 |
| All Toyotas | $163 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Land Cruiser By Model Year
| Model Year | Average Premium |
| 2024 Toyota Land Cruiser | $2,075 |
| 2024 Toyota Land Cruiser | $1,408 |
| 2021 Toyota Land Cruiser | $2,317 |
| 2020 Toyota Land Cruiser | $1,521 |
| 2019 Toyota Land Cruiser | $1,697 |
| 2018 Toyota Land Cruiser | $1,441 |
| 2017 Toyota Land Cruiser | $2,328 |
| 2016 Toyota Land Cruiser | $1,791 |
| 2015 Toyota Land Cruiser | $1,641 |
| 2014 Toyota Land Cruiser | $1,573 |
| 2013 Toyota Land Cruiser | $1,408 |
| 2011 Toyota Land Cruiser | $1,592 |
2025 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2025 Toyota Land Cruiser is $2,075. However, Nationwide offers the cheapest rates, averaging $1,493 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $2,252 |
| Auto-Owners Insurance | $2,158 |
| Mercury Insurance | $1,978 |
| Progressive | $2,179 |
| Erie Insurance | $2,283 |
| GEICO | $2,224 |
| Nationwide | $1,493 |
| USAA | $1,930 |
| Vermont Mutual | $2,082 |
| State Farm | $2,168 |
2024 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2024 Toyota Land Cruiser is $1,408. However, Direct Auto offers the cheapest rates, averaging $462 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $462 |
| Victoria | $535 |
| Texas Farm Bureau Group | $1,150 |
| Tennessee Farmers | $1,174 |
| Titan | $1,385 |
| North Carolina Farm Bureau | $1,690 |
| Utica National Ins Group | $1,800 |
| Southern Farm Bureau | $1,810 |
| GMAC Insurance Group | $1,920 |
| California Capital | $2,150 |
2021 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2021 Toyota Land Cruiser is $2,317. However, Travelers offers the cheapest rates, averaging $1,544 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $2,209 |
| Country | $2,796 |
| Auto-Owners Insurance Co | $2,492 |
| Mercury | $2,393 |
| Travelers | $1,544 |
| Nationwide | $2,160 |
| New Jersey Manufacturers | $2,049 |
| Grange Mutual | $2,528 |
| Penn National | $2,587 |
| State Farm | $2,413 |
2020 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2020 Toyota Land Cruiser is $1,521. However, National General offers the cheapest rates, averaging $683 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,180 |
| Mercury | $2,164 |
| Allied | $1,775 |
| Auto-Owners Insurance Co | $1,565 |
| National General | $683 |
| North Carolina Farm Bureau | $1,346 |
| Virginia Farm Bureau | $1,089 |
| GMAC Insurance Group | $1,769 |
| Republic Indemnity | $2,049 |
| Penn National | $1,585 |
2019 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2019 Toyota Land Cruiser is $1,697. However, SECURA Insurance offers the cheapest rates, averaging $1,202 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Ins of MI | $1,563 |
| New York Central Mutual Fire | $2,091 |
| Erie | $1,849 |
| Chubb | $1,698 |
| SECURA Insurance | $1,202 |
| Wolverine Mutual | $1,637 |
| Hastings Mutual Insurance Co | $1,398 |
| Pioneer State Mutual Ins Co | $1,835 |
| Farmers | $1,926 |
| Auto-Owners Insurance Co | $1,769 |
2018 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2018 Toyota Land Cruiser is $1,441. However, Pekin Insurance offers the cheapest rates, averaging $1,103 per year.
| Insurance Provider | Average Annual Cost |
| Hastings Mutual Insurance Co | $1,251 |
| Wolverine Mutual | $1,786 |
| Pioneer State Mutual Ins Co | $1,542 |
| Indiana Farmers Mutual Ins | $1,406 |
| Pekin Insurance | $1,103 |
| SECURA Insurance | $1,290 |
| New York Central Mutual Fire | $1,199 |
| Texas Farm Bureau Group | $1,574 |
| Erie | $1,779 |
| Farm Bureau Ins of MI | $1,477 |
2017 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2017 Toyota Land Cruiser is $2,328. However, State Farm offers the cheapest rates, averaging $1,103 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,960 |
| Erie | $3,103 |
| Travelers | $2,681 |
| SECURA Insurance | $2,466 |
| Country | $1,142 |
| Mercury | $2,062 |
| Auto-Owners Insurance Co | $1,550 |
| New York Central Mutual Fire | $2,700 |
| Farmers | $3,098 |
| Allied | $2,515 |
2016 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2016 Toyota Land Cruiser is $1,791. However, Direct Auto offers the cheapest rates, averaging $1,178 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,525 |
| California Capital | $2,206 |
| Esurance | $2,050 |
| GMAC Insurance Group | $1,748 |
| Direct Auto | $1,178 |
| 21st Century | $1,568 |
| North Carolina Farm Bureau | $1,387 |
| CSAA | $2,118 |
| Allied | $2,214 |
| Penn National | $1,916 |
Find Affordable Toyota Land Cruiser Insurance Rates
2015 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2015 Toyota Land Cruiser is $1,641. However, Auto-Owners Insurance Co offers the cheapest rates, averaging $1,288 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,640 |
| California Capital | $1,892 |
| Auto Club | $1,692 |
| Farmers | $1,696 |
| Auto-Owners Insurance Co | $1,288 |
| Central Mutual Insurance Co | $1,710 |
| Country | $1,330 |
| CSAA | $1,713 |
| Nationwide | $1,760 |
| Esurance | $1,684 |
2014 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2014 Toyota Land Cruiser is $1,573. However, Capital Insurance Group offers the cheapest rates, averaging $1,003 per year.
| Insurance Provider | Average Annual Cost |
| Oregon Mutual | $1,295 |
| Chubb | $2,086 |
| Unigard | $1,674 |
| Allied | $1,648 |
| Capital Insurance Group | $1,003 |
| Unitrin | $1,456 |
| PEMCO | $1,116 |
| Bristol West | $1,826 |
| GMAC Insurance Group | $1,991 |
| Mutual Of Enumclaw | $1,639 |
2013 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2013 Toyota Land Cruiser is $1,408. However, New York Central Mutual Fire offers the cheapest rates, averaging $895 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,204 |
| Auto Club | $1,780 |
| National General | $1,509 |
| Mercury Insurance Company | $1,385 |
| New York Central Mutual Fire | $895 |
| CSAA | $1,319 |
| Direct Auto | $1,229 |
| 21st Century | $1,595 |
| Travelers | $1,769 |
| Nationwide | $1,396 |
2011 Toyota Land Cruiser Insurance Rates
The average annual insurance cost for a 2011 Toyota Land Cruiser is $1,592. However, USAA offers the cheapest rates, averaging $793 per year.
| Insurance Provider | Average Annual Cost |
| Encompass | $3,193 |
| Allied | $1,233 |
| Central Mutual Insurance Co | $1,700 |
| Allstate | $1,930 |
| Farm Bureau Mutual (IA Group) | $1,026 |
| USAA | $793 |
| Farmers | $1,509 |
| State Farm | $1,257 |
| Metropolitan | $1,691 |
Find Affordable Toyota Land Cruiser Insurance Rates
Are Toyota Land Cruisers Expensive To Insure?
Yes, Toyota Land Cruisers are generally more expensive to insure than average vehicles. This is mainly due to their high market value, advanced features, and costlier repairs or replacements. As a rugged full-size SUV, the Land Cruiser also tends to be driven in a variety of conditions, which may increase the perceived risk for insurers. Additionally, its appeal as a luxury off-roader can result in higher comprehensive and collision premiums. However, drivers with clean records, good credit, and safety feature discounts can often offset some of these costs. Comparing quotes is essential to finding the most affordable rate.
Cost of Toyota Land Cruiser Car Insurance By Age
Age is a major factor in calculating car insurance rates. Teen drivers usually face the highest premiums since they’re statistically more likely to be involved in accidents. As drivers get older and gain more experience, their insurance costs generally go down due to a lower risk profile.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,818 | $12,946 | $15,172 |
| 18 | $8,195 | $12,083 | $14,128 |
| 19 | $7,268 | $10,713 | $12,513 |
| 20 | $6,337 | $9,349 | $10,863 |
| 21 | $5,283 | $7,810 | $9,097 |
| 22 | $5,149 | $7,595 | $8,887 |
| 23 | $4,551 | $6,631 | $7,781 |
| 24 | $4,317 | $6,342 | $7,358 |
| 25 | $3,730 | $5,479 | $6,394 |
| 30 | $2,879 | $4,221 | $4,983 |
| 35 | $2,752 | $3,946 | $4,653 |
| 40 | $2,634 | $3,829 | $4,482 |
| 45 | $2,561 | $3,753 | $4,368 |
| 55 | $2,356 | $3,438 | $3,988 |
| 65 | $2,463 | $3,554 | $4,145 |
| 75 | $3,071 | $4,485 | $5,261 |
Toyota Land Cruiser Car Insurance Rates By State
Your location plays a key role in how insurance companies determine your rates. Since each state has its own auto insurance regulations, premiums can vary widely—for instance, Michigan drivers often pay more due to the state’s higher coverage requirements. Climate is another factor, as areas prone to extreme weather like hurricanes, storms, or flooding may see higher rates.
In addition, insurers take into account local statistics on crime and accidents, including thefts, collisions, and vehicle-related fatalities. All of these elements influence the cost of insuring your Toyota Land Cruiser.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,740 | $3,997 | $5,097 |
| Alaska | $2,254 | $3,183 | $3,066 |
| Arizona | $2,569 | $3,731 | $5,513 |
| Arkansas | $2,811 | $4,476 | $4,907 |
| California | $3,125 | $5,605 | $3,142 |
| Colorado | $2,965 | $4,115 | $5,202 |
| Connecticut | $3,762 | $5,789 | $7,394 |
| Delaware | $3,138 | $4,138 | $5,317 |
| Florida | $3,710 | $5,091 | $6,670 |
| Hawaii | $1,194 | $1,644 | $1,210 |
| Idaho | $2,093 | $2,752 | $3,393 |
| Illinois | $2,190 | $3,285 | $3,759 |
| Indiana | $2,249 | $3,411 | $3,871 |
| Iowa | $1,751 | $2,439 | $2,903 |
| Kansas | $2,379 | $3,447 | $4,071 |
| Kentucky | $3,425 | $5,032 | $5,910 |
| Louisiana | $4,396 | $6,650 | $7,220 |
| Maine | $1,659 | $2,282 | $3,365 |
| Maryland | $2,686 | $3,889 | $4,374 |
| Massachusetts | $2,168 | $3,748 | $2,176 |
| Michigan | $5,203 | $7,969 | $12,567 |
| Minnesota | $2,167 | $2,865 | $4,013 |
| Mississippi | $2,599 | $3,667 | $3,731 |
| Missouri | $2,445 | $3,485 | $4,610 |
| Montana | $2,479 | $3,458 | $4,053 |
| Nebraska | $2,092 | $3,104 | $3,364 |
| Nevada | $3,481 | $5,139 | $5,425 |
| New Hampshire | $2,385 | $3,804 | $4,834 |
| New Jersey | $2,680 | $4,135 | $5,447 |
| New Mexico | $2,698 | $4,022 | $4,207 |
| New York | $2,526 | $3,121 | $5,268 |
| North Carolina | $1,546 | $2,680 | $1,911 |
| North Dakota | $2,121 | $3,245 | $3,832 |
| Ohio | $1,901 | $2,919 | $3,027 |
| Oklahoma | $3,042 | $4,352 | $4,873 |
| Oregon | $2,748 | $3,676 | $4,435 |
| Pennsylvania | $2,315 | $3,396 | $3,986 |
| Rhode Island | $3,902 | $5,694 | $6,402 |
| South Carolina | $2,611 | $3,663 | $5,003 |
| South Dakota | $2,374 | $3,413 | $3,896 |
| Tennessee | $2,765 | $4,076 | $5,466 |
| Texas | $2,777 | $4,053 | $5,028 |
| Utah | $2,356 | $3,329 | $4,573 |
| Vermont | $1,820 | $2,829 | $2,959 |
| Virginia | $1,709 | $2,632 | $2,585 |
| Washington | $2,309 | $3,103 | $3,722 |
| West Virginia | $2,308 | $3,295 | $4,103 |
| Wisconsin | $2,267 | $3,556 | $4,105 |
| Wyoming | $2,144 | $3,018 | $3,192 |
| Georgia | $3,025 | $4,520 | $4,569 |
Find Affordable Toyota Land Cruiser Insurance Rates
Cheapest Car Insurance Companies For A Toyota Land Cruiser
Mercury Insurance offers the lowest estimated annual cost at $1,978, while Erie Insurance is at the higher end of this selection with $2,283. The monthly premiums are calculated by dividing the annual cost evenly over 12 months, assuming no installment fees. These figures represent full coverage for an average driver, but actual quotes will differ depending on factors like location, driving history, and credit score. Comparing personalized quotes remains essential to securing the most competitive rate.
| Insurance Company | Average Monthly |
| Mercury Insurance | $165 |
| Auto-Owners Insurance | $180 |
| Progressive | $182 |
| Erie Insurance | $190 |
| GEICO | $185 |
Common Toyota Land Cruiser Insurance Discounts
Taking advantage of discounts is an effective way to reduce your car insurance costs. While each insurance company has its own set of offers, there are a few common discounts worth exploring:
- Multi-policy – Bundling your auto and home insurance with the same provider can lead to significant savings.
- Pay-in-full – Paying your entire premium upfront instead of in monthly installments often qualifies you for a lower rate.
- Defensive driving – Completing a certified defensive driving course may make you eligible for a discount.
There are also other discounts you might qualify for. It’s a good idea to speak with your insurance agent, who can help identify all the savings opportunities available to you.
Ways To Save On Toyota Land Cruiser Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Toyota Land Cruiser insurance premiums. Traffic violations like speeding tickets or involvement in accidents can significantly increase your rates. For example, drivers with a ticket on their record typically pay around $96 per month, while those with multiple accidents average about $88 per month. Avoiding such incidents helps keep your costs down.
Mileage also plays a role in your insurance rate. Drivers who spend less time on the road are generally seen as lower risk. For instance, Land Cruiser owners who drive between 2,501 and 5,000 miles per year pay about $72 per month, whereas those driving over 10,000 miles pay slightly less—around $69 per month.
Compare Toyota Land Cruiser To Other Toyota Models
Looking for other Toyota model insurance costs?
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Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, however, that your personal rates may vary based on your unique profile.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Land Cruiser?
Yes, you’ll need to show proof of insurance before driving your Toyota Land Cruiser off the dealership lot. The smartest approach is to purchase a policy in advance and notify your insurer about your upcoming vehicle purchase, rather than relying on dealership-provided insurance.
How Can You Get The Cheapest Insurance For Your Toyota Land Cruiser?
The most effective way to find the lowest rates for your Toyota Land Cruiser is to compare quotes from various auto insurance providers. Fortunately, Insuranceopedia makes it easy to do just that—right on our website, you can view and compare offers from multiple companies in one place.
