Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Land Cruiser? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Land Cruiser facts

  • Average auto insurance premium: $245/month

  • Most affordable companies: Erie ($167/month) & State Farm ($172/month)

  • Land Cruiser insurance cost vs. average rate: $316 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Land Cruiser by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Land Cruiser insurer costs by state:

Risk factors affecting Land Cruiser rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Safety Ratings & Land Cruiser Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3645
Allstate$2818
American Family$2456
Country Financial$3045
Erie$2012
GEICO$2280
Liberty Mutual$2418
Mercury$2781
MetLife$3270
Nationwide$2348
Progressive$2178
State Farm$2069
Tennessee Farmers$2601
Travelers$2935

Compare all 2021 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$2940

List Price

$85665

Trims Available

Base 4dr 4x4 - Heritage Edition 4dr 4x4 - with 5.7-Liter DOHC 32-Valve V8 with Dual Independent Variable Valve Timing with intelligence (VVT-i) - 8-speed Electronically Controlled automatic Transmission with intelligence (ECT-i)

2020 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3419
Allstate$2691
American Family$2368
Country Financial$2980
Erie$1894
GEICO$2134
Liberty Mutual$2286
Mercury$2594
Nationwide$2249
Progressive$2046
State Farm$1951
Tennessee Farmers$2444
Travelers$2743
USAA$1930

Compare all 2020 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$2687

List Price

$85415

Trims Available

Base 4dr 4x4 - Heritage Edition 4dr 4x4 - with 5.7-Liter DOHC 32-Valve V8 with Dual Independent Variable Valve Timing with intelligence (VVT-i) - 8-speed Electronically Controlled automatic Transmission with intelligence (ECT-i) - Independent double-wishbone front suspension with coil springs and stabilizer bar Kinetic Dynamic Suspension System (KDSS) - 4-link rear suspension with coil springs, stabilizer bar and semi-floating axle Kinetic Dynamic Suspension System (KDSS)

2019 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3352
Allstate$2569
American Family$2300
Country Financial$2851
Erie$1754
GEICO$2002
Liberty Mutual$2173
Mercury$2517
Nationwide$2086
Progressive$1867
State Farm$1834
Tennessee Farmers$2318
Travelers$2679
USAA$1695

Compare all 2019 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$2315

List Price

$85165

Trims Available

Base 4dr 4x4 - Heritage Edition 4dr 4x4 - with 5.7-Liter DOHC 32-Valve V8 with Dual Independent Variable Valve Timing with intelligence (VVT-i) - 8-speed Electronically Controlled automatic Transmission with intelligence (ECT-i) - Independent double-wishbone front suspension with coil springs and stabilizer bar Kinetic Dynamic Suspension System (KDSS) - 4-link rear suspension with coil springs, stabilizer bar and semi-floating axle Kinetic Dynamic Suspension System (KDSS)

2018 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3327
Allstate$2480
American Family$2298
Country Financial$2793
Erie$1623
GEICO$1965
Kentucky Farm Bureau$2849
Liberty Mutual$2138
Mercury$2459
Nationwide$2055
Progressive$1802
State Farm$1697
Tennessee Farmers$2304
Travelers$2628
USAA$1588

Compare all 2018 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$2166

List Price

$84880

Trims Available

Base 4dr 4x4 - Heritage Edition 4dr 4x4 - with 5.7-Liter DOHC 32-Valve V8 with Dual Independent Variable Valve Timing with intelligence (VVT-i) - 8-speed Electronically Controlled automatic Transmission with intelligence (ECT-i) - Independent double-wishbone front suspension with coil springs and stabilizer bar Kinetic Dynamic Suspension System (KDSS) - 4-link rear suspension with coil springs, stabilizer bar and semi-floating axle Kinetic Dynamic Suspension System (KDSS)

2017 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 2821
Allstate$ 2821
Amica$ 2059
Amica$ 2059
Arbella$ 1725
Arbella$ 1725
GEICO$ 1482
GEICO$ 1482
Liberty Mutual$ 3129
Liberty Mutual$ 3129
MetLife$ 2353
MetLife$ 2353
Plymouth Rock Insurance$ 1139
Plymouth Rock Insurance$ 1139
Progressive$ 1109
Progressive$ 1109
Quincy Mutual$ 1302
Quincy Mutual$ 1302
State Farm$ 1881
State Farm$ 1881
Texas Farm Bureau$ 1453
Texas Farm Bureau$ 1453
USAA$ 2875
USAA$ 2875

Compare all 2017 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$ 2003

List Price

$ 84775

Trims Available

Base

2015 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1459
Acuity$ 1459
Allied$ 1506
Allied$ 1506
Arbella$ 1637
Arbella$ 1637
Country$ 1630
Country$ 1630
Erie$ 1498
Erie$ 1498
GEICO$ 1420
GEICO$ 1420
Nationwide$ 1599
Nationwide$ 1599
Plymouth Rock Insurance$ 1400
Plymouth Rock Insurance$ 1400
Quincy Mutual$ 1248
Quincy Mutual$ 1248
Tennessee Farmers$ 1459
Tennessee Farmers$ 1459
Texas Farm Bureau$ 1376
Texas Farm Bureau$ 1376
Vermont Mutual$ 1514
Vermont Mutual$ 1514

Compare all 2015 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$ 1665

List Price

$ 80155

Trims Available

Base

2014 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 2408
Allstate$ 2408
Amica$ 1637
Amica$ 1637
Arbella$ 1558
Arbella$ 1558
GEICO$ 856
GEICO$ 856
Liberty Mutual$ 2712
Liberty Mutual$ 2712
MetLife$ 2079
MetLife$ 2079
Plymouth Rock Insurance$ 1032
Plymouth Rock Insurance$ 1032
Progressive$ 1089
Progressive$ 1089
Quincy Mutual$ 1220
Quincy Mutual$ 1220
State Farm$ 1690
State Farm$ 1690
Texas Farm Bureau$ 1339
Texas Farm Bureau$ 1339
USAA$ 2680
USAA$ 2680

Compare all 2014 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$ 1789

List Price

$ 79605

Trims Available

Base

2013 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1314
Acuity$ 1314
Allied$ 1342
Allied$ 1342
Arbella$ 1427
Arbella$ 1427
Erie$ 1094
Erie$ 1094
GEICO$ 1289
GEICO$ 1289
Nationwide$ 1497
Nationwide$ 1497
Plymouth Rock Insurance$ 1322
Plymouth Rock Insurance$ 1322
Quincy Mutual$ 1194
Quincy Mutual$ 1194
Tennessee Farmers$ 1346
Tennessee Farmers$ 1346
Texas Farm Bureau$ 1305
Texas Farm Bureau$ 1305
USAA$ 1425
USAA$ 1425
Vermont Mutual$ 1335
Vermont Mutual$ 1335

Compare all 2013 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$ 1546

List Price

$ 78555

Trims Available

Base

2011 Toyota Land Cruiser

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1271
Allied$ 1271
Arbella$ 1116
Arbella$ 1116
Country$ 1317
Country$ 1317
Erie$ 1020
Erie$ 1020
GEICO$ 1184
GEICO$ 1184
Nationwide$ 1396
Nationwide$ 1396
Plymouth Rock Insurance$ 1249
Plymouth Rock Insurance$ 1249
Quincy Mutual$ 1135
Quincy Mutual$ 1135
Tennessee Farmers$ 1205
Tennessee Farmers$ 1205
Texas Farm Bureau$ 1115
Texas Farm Bureau$ 1115
USAA$ 1239
USAA$ 1239
Vermont Mutual$ 1125
Vermont Mutual$ 1125

Compare all 2011 Toyota Land Cruiser rates

Average Cost to Insure Per Year

$ 1398

List Price

$ 68920

Trims Available

Base