Toyota Land Cruiser Insurance Cost

Full coverage for a Toyota Land Cruiser costs about $1,290 a year ($108/month) by our estimate — ▼ −19% versus the average vehicle, ranking 24th cheapest of 310 current models.

Toyota Land Cruiser exterior (photo from Wikimedia Commons) — Photo: LuvsMG481, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Land Cruiser insurance cost at a glance

Full coverage

$1,290

$108/mo · $1,060–$1,525

Minimum liability

$395

$33/mo

Segment

Large SUV

Gasoline, Hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★☆

2027 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Toyota Land Cruiser.

Estimated Toyota Land Cruiser premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$395	$33	$320–$465
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$570	$47	$465–$670
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,290	$108	$1,060–$1,525

What drives the cost of insuring a Toyota Land Cruiser

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Land Cruiser's results put our vehicle factor at 0.64× for liability, 0.90× for collision and 1.26× for comprehensive.

HLDI relative insurance losses — Toyota Land Cruiser hybrid 4dr 4WD (Large SUVs)
Coverage	Index	Rating	What it measures
Collision	87	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	129	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	40	Much better than average	Damage this car does to other vehicles and property

Repair and parts costs: Large SUV — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 37 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Land Cruiser trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Land Cruiser	4WD	2.4L 4-cyl Turbo Hybrid	23

Toyota Land Cruiser insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.4L 4-cyl Turbo Hybrid	4WD	23	$1,290
2026	2.4L 4-cyl Turbo Hybrid	4WD	23	$1,260
2025	2.4L 4-cyl Turbo Hybrid	4WD	23	$1,225
2024	2.4L 4-cyl Turbo Hybrid	4WD	23	$1,195
2021	5.7L 8-cyl	4WD	14	$1,095
2020	5.7L 8-cyl	4WD	14	$1,065
2019	5.7L 8-cyl	4WD	15	$1,030
2018	5.7L 8-cyl	4WD	15	$1,000
2017	5.7L 8-cyl	4WD	15	$965
2016	5.7L 8-cyl	4WD	15	$935
2015	5.7L 8-cyl	4WD	15	$930
2014	5.7L 8-cyl	4WD	15	$930
2013	5.7L 8-cyl	4WD	15	$930
2011	5.7L 8-cyl	4WD	15	$930
2010	5.7L 8-cyl	4WD	15	$930
2009	5.7L 8-cyl	4WD/AWD	15	$930
2008	5.7L 8-cyl	4WD/AWD	15	$930
2007	4.7L 8-cyl	4WD/AWD	13	$930
2006	4.7L 8-cyl	4WD/AWD	13	$930
2005	4.7L 8-cyl	4WD/AWD	13	$930

Toyota Land Cruiser insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Land Cruiser page for that state.

State	Full coverage	Minimum	vs. national	Land Cruiser page
Alabama	$1,160	$305	−10%	Land Cruiser in AL
Alaska	$1,125	$400	−13%	Land Cruiser in AK
Arizona	$1,355	$425	+5%	Land Cruiser in AZ
Arkansas	$1,205	$285	−7%	Land Cruiser in AR
California	$1,250	$365	−3%	Land Cruiser in CA
Colorado	$1,555	$415	+21%	Land Cruiser in CO
Connecticut	$1,315	$455	+2%	Land Cruiser in CT
Delaware	$1,360	$515	+5%	Land Cruiser in DE
District of Columbia	$1,625	$475	+26%	Land Cruiser in DC
Florida	$1,715	$690	+33%	Land Cruiser in FL
Georgia	$1,525	$560	+18%	Land Cruiser in GA
Hawaii	$885	$280	−31%	Land Cruiser in HI
Idaho	$885	$255	−31%	Land Cruiser in ID
Illinois	$1,135	$320	−12%	Land Cruiser in IL
Indiana	$940	$260	−27%	Land Cruiser in IN
Iowa	$975	$200	−24%	Land Cruiser in IA
Kansas	$1,130	$260	−12%	Land Cruiser in KS
Kentucky	$1,090	$335	−16%	Land Cruiser in KY
Louisiana	$1,780	$505	+38%	Land Cruiser in LA
Maine	$840	$270	−35%	Land Cruiser in ME
Maryland	$1,415	$480	+10%	Land Cruiser in MD
Massachusetts	$1,250	$380	−3%	Land Cruiser in MA
Michigan	$1,405	$490	+9%	Land Cruiser in MI
Minnesota	$1,150	$300	−11%	Land Cruiser in MN
Mississippi	$1,290	$340	0%	Land Cruiser in MS
Missouri	$1,225	$330	−5%	Land Cruiser in MO
Montana	$1,140	$250	−12%	Land Cruiser in MT
Nebraska	$1,130	$260	−12%	Land Cruiser in NE
Nevada	$1,360	$555	+5%	Land Cruiser in NV
New Hampshire	$925	$255	−28%	Land Cruiser in NH
New Jersey	$1,460	$600	+13%	Land Cruiser in NJ
New Mexico	$1,190	$335	−8%	Land Cruiser in NM
New York	$1,655	$595	+28%	Land Cruiser in NY
North Carolina	$1,010	$285	−22%	Land Cruiser in NC
North Dakota	$935	$175	−28%	Land Cruiser in ND
Ohio	$945	$260	−27%	Land Cruiser in OH
Oklahoma	$1,245	$300	−3%	Land Cruiser in OK
Oregon	$1,110	$400	−14%	Land Cruiser in OR
Pennsylvania	$1,165	$270	−10%	Land Cruiser in PA
Rhode Island	$1,485	$525	+15%	Land Cruiser in RI
South Carolina	$1,345	$470	+4%	Land Cruiser in SC
South Dakota	$1,170	$200	−9%	Land Cruiser in SD
Tennessee	$1,105	$290	−14%	Land Cruiser in TN
Texas	$1,600	$445	+24%	Land Cruiser in TX
Utah	$1,120	$420	−13%	Land Cruiser in UT
Vermont	$885	$205	−31%	Land Cruiser in VT
Virginia	$1,110	$400	−14%	Land Cruiser in VA
Washington	$1,080	$380	−16%	Land Cruiser in WA
West Virginia	$1,150	$280	−11%	Land Cruiser in WV
Wisconsin	$930	$240	−28%	Land Cruiser in WI
Wyoming	$1,180	$210	−9%	Land Cruiser in WY

Toyota Land Cruiser insurance by driver profile

Estimated annual Toyota Land Cruiser premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,080	$1,565	$3,550	$296
Young adult (22)	$630	$910	$2,065	$172
Adult in their 30s	$395	$570	$1,290	$108
Adult in their 50s	$360	$525	$1,185	$99
Senior (72)	$440	$640	$1,445	$120
30s, one at-fault accident	$570	$825	$1,870	$156
30s, DUI on record	$725	$1,055	$2,385	$199

Toyota Land Cruiser vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Land Cruiser	$1,290	87	129	—
Chevrolet Suburban	$1,610	91	95	Compare
Dodge Durango	$1,770	107	142	Compare
Nissan Armada	$1,420	89	110	Compare

Estimate Toyota Land Cruiser insurance for your ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

—

Per month

—

Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
Corolla $1,705/yr
GR86 $2,095/yr
Prius $1,595/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Highlander $1,410/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tacoma $1,375/yr
Tundra $1,515/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Land Cruiser?

We estimate about $1,290 a year ($108 a month) for full coverage and $395 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 19% less than the average vehicle.

Is the Toyota Land Cruiser expensive to insure?

HLDI insurance-loss data rates it at 87 for collision and 129 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Toyota Land Cruiser?

Maine has the lowest estimate (about $840 a year for full coverage) and Louisiana the highest (about $1,780).

What is the Toyota Land Cruiser's NHTSA safety rating?

The 2027 Toyota Land Cruiser earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Land Cruiser cheaper to insure than the Chevrolet Suburban?

By our estimate the Toyota Land Cruiser costs about $1,290 a year versus $1,610 for the Chevrolet Suburban, making it the cheaper of the two to insure.

How much is Toyota Land Cruiser insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,550 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page