Toyota Land Cruiser Insurance Cost in Washington

Insuring a Toyota Land Cruiser in Washington costs about $1,080 a year ($90/month) for full coverage by our estimate — −16% versus the same car nationally — the 12th cheapest of 51 states for this model.

Toyota Land Cruiser (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 in Washington at a glance

Full coverage

$1,080

$885–$1,275

25/50/10 minimum

$380

$31/mo

Same car nationally

$1,290

full coverage

Avg. car in WA

$1,380

−22% for the Land Cruiser

The Toyota Land Cruiser is 22% cheaper than the average vehicle to insure in Washington, reflecting HLDI collision losses of 87 and comprehensive losses of 129 (100 = average). Washington's own base rates are 10% lower than the national average, which carries through to every model.

Washington factors that affect Land Cruiser premiums

Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Land Cruiser.
Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

Toyota Land Cruiser insurance cost in Washington cities

City	Full coverage	Minimum	vs. state
Seattle	$1,230	$430	+14%
Spokane	$1,120	$390	+4%
Tacoma	$1,215	$425	+13%
Vancouver	$1,150	$400	+6%
Bellevue	$1,160	$405	+7%
Kent	$1,225	$430	+13%
Everett	$1,175	$410	+9%
Spokane Valley	$1,110	$385	+3%
Renton	$1,225	$430	+13%
Yakima	$1,090	$380	+1%
Bellingham	$1,075	$380	0%
Auburn	$1,205	$420	+12%
Lynnwood	$1,235	$435	+14%

Toyota Land Cruiser insurance in Washington by driver

Estimated annual Toyota Land Cruiser premium in Washington
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,040	$1,505	$2,970	$248
Young adult (22)	$605	$875	$1,725	$144
Adult in their 30s	$380	$550	$1,080	$90
Adult in their 50s	$345	$505	$995	$83
Senior (72)	$425	$615	$1,210	$101
30s, one at-fault accident	$550	$795	$1,565	$130
30s, DUI on record	$700	$1,015	$1,995	$166

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
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.	$380	$31	$310–$445
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$550	$46	$450–$645
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,080	$90	$885–$1,275

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

Model	Full coverage in WA	vs. Land Cruiser
Chevrolet Suburban	$1,405	+30%
Dodge Durango	$1,520	+41%
Nissan Armada	$1,245	+15%
Ford Expedition	$1,175	+9%

Estimate your Land Cruiser premium by ZIP code

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

Estimated annual premium

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Toyota Land Cruiser insurance cost in every state · All Toyota models

Frequently asked questions

How much is Toyota Land Cruiser insurance in Washington?

About $1,080 a year ($90 a month) for full coverage and $380 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 16% less than the national estimate for the same car.

Is the Toyota Land Cruiser cheaper to insure than the average car in Washington?

The average vehicle in Washington is about $1,380 a year for full coverage in our model, so the Toyota Land Cruiser is 22% cheaper than average.

Where in Washington is Toyota Land Cruiser insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $1,075) and Lynnwood the highest (about $1,235).

What insurance do I need for a Toyota Land Cruiser in Washington?

Washington requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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