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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Updated: 24 May 2025
Written by Bob Phillips
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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

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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

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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

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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.

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.

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Quotes Analyzed

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Brands Reviewed

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Research Hours

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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.

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