The Toyota Land Cruiser is a mid-size SUV designed for off-roading. The Land Cruiser dates all the way back to the 1950s and is still going strong today. Toyota Land Cruiser insurance costs an average of $216 per month for full coverage. No matter which type of Land Cruiser you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Land Cruiser insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Land Cruiser by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Land Cruiser Insurance Cost 2026
Toyota Land Cruiser insurance costs an average of $2,590 per year, or approximately $216 per month, for full coverage in 2026.
Toyota Land Cruiser insurance costs vary widely by location, with good drivers in Hawaii paying an average of only $1,194 per year for full coverage, while those in Michigan pay $5,203.
Progressive, Nationwide, and USAA are the cheapest carriers for model-year 2025 Toyota Land Cruiser insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Land Cruiser insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Land Cruiser model.
How Much Does Toyota Land Cruiser Insurance Cost?
In 2026, Toyota Land Cruiser insurance rates average $2,590 annually, or approximately $216 per month for full coverage. The average 2025 Toyota Land Cruiser insurance cost per month ranges from $132-$509 depending on the insurance company you choose.
If you've been asking, "How much is Land Cruiser insurance?" the answer will vary depending on the specific model year of the vehicle you own, your location, your driving history, and other factors.
Toyota Land Cruiser Insurance Costs at a Glance
The table below breaks down Toyota Land Cruiser full coverage costs in 2026 by monthly and annual premiums.
| Average Annual Full Coverage Premium | Average Monthly Full Coverage Premium |
| $2,590 | $216 |
Toyota Land Cruiser Insurance Rates by Carrier
Wondering where to find the cheapest car insurance for a Toyota Land Cruiser this year? Progressive has the cheapest coverage rates, starting at an average of just $1,582 per year. The table below shows the best car insurance companies for a model-year 2025 Toyota Land Cruiser in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,582 |
| Nationwide | $2,134 |
| USAA | $2,289 |
| Erie | $2,567 |
| American Family | $2,644 |
| Allstate | $6,108 |
Methodology
These rates are based on comparing quotes for a 30-year-old male driver with no violations in the past year.
Toyota Land Cruiser Insurance Cost by Model Year
The age of your vehicle impacts your Land Cruiser insurance costs. The table below compares the average full coverage cost of Toyota Land Cruiser insurance by model year for 2026.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Toyota Land Cruiser* | $2,145 |
| 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 |
Note: The 2026 Land Cruiser's rate is a projection based on the evaluation of inflation trends and current market data.
Toyota Land Cruiser Insurance by Trim Level
Toyota Land Cruiser car insurance rates also vary by your specific vehicle's trim. The 2025 and 2026 Toyota Land Cruiser 1958 trim insurance costs are likely to be higher than those for base models due to the higher MSRP, starting at $56,450. The 2025 and 2026 Land Cruiser trims start at $62,460, which could mean even higher insurance costs. Higher sticker prices often mean higher collision and comprehensive insurance premiums.
What Kind of Insurance Does a Toyota Land Cruiser Require?
There are many types of Toyota Land Cruiser car insurance to choose from when building your policy. Even if it's not required by your state, you might want to consider adding gap insurance for a newer Land Cruiser, given its high MSRP.
Overall, consider adding at least the following coverage types for your Toyota Land Cruiser, which are typically required by law.
Bodily Injury Liability
If someone is injured in an accident that you cause while driving your Toyota Land Cruiser, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property Damage Liability
If you cause an accident while driving your Toyota Land Cruiser, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Medical Payments Coverage and Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured Motorist Coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured. Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverage for Your Toyota Land Cruiser
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota Land Cruiser.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Toyota Land Cruiser that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, comprehensive coverage may be required by your lender.
Glass Coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your Land Cruiser's broken glass repaired without having to dig into your savings.
Gap Insurance
If you're in an accident that severely damages or totals your Land Cruiser, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Toyota Land Cruiser.
What Factors Affect Toyota Land Cruiser Insurance Costs?
Several factors can affect the cost of Toyota Land Cruiser insurance, such as your driving history, location, annual mileage, and more.
Annual Mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving Record
Toyota Land Cruiser drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
The Value of Your Vehicle
High-value vehicles cost more to insure because repairs or replacements are typically more expensive. If you drive a less expensive model of Land Cruiser, you'll likely enjoy lower car insurance premiums.
Your Credit
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
Your Location
Your location influences car insurance premium calculations. If you live in a densely populated city, you may have higher premiums than someone who lives in a rural town, due to the increased risk of accidents and car insurance claims. State minimum coverage requirements can also influence insurance costs.
Your Age
Your age has a major impact on the cost of car insurance. Toyota Land Cruiser insurance for young drivers, especially teens, is much more expensive. Car insurance rates tend to decline considerably around age 25 until about age 65, then gradually climb again.
Your Deductible
Choosing a higher deductible can lead to lower monthly or annual car insurance premium rates. However, keep in mind that with a higher deductible, you'll have to pay more out-of-pocket each time you file a claim before getting reimbursed.
Your Coverage Level
The amount of coverage you need obviously impacts the cost of your overall policy. The more coverage you buy, the higher your premiums will be.
Your Trim Level
Your Land Cruiser's specific trim level can greatly affect the cost of your car insurance premiums. Higher trim levels come with higher MSRPs, typically leading to higher insurance costs.
Average Toyota Land Cruiser Insurance Costs by Driver Profile
Toyota Land Cruiser insurance costs vary considerably by age and driver profile. Toyota Land Cruiser insurance for young drivers is much more expensive than for middle-aged adults. Car insurance rates tend to drop dramatically starting around age 25 until about age 65, then begin to climb again.
For example, a 17-year-old driver with a clean record pays about $8,818 per year, or $735 per month, for Toyota Land Cruiser insurance. If the same driver had a recent accident, their rates would skyrocket to $12,946 per year, or about $1,079 per month. The table below compares Toyota Land Cruiser coverage costs by age and driver profile for 2026.
| Driver Age | Clean Record | Accident on Record | 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 Safety Ratings and How They Affect Insurance
The National Highway Traffic Safety Administration (NHTSA) gave the 2025 Land Cruiser a 4-star overall score. The Insurance Institute for Highway Safety (IIHS)'s ratings for the Land Cruiser are still in progress. Vehicles with higher safety scores and more safety features typically qualify for lower insurance rates.
Newer Toyota Land Cruiser models have many sought-after safety features to help keep drivers and passengers safe, known as Toyota Safety Sense. The Toyota Safety Sense technology bundle includes the following:
- Pre-Collision System with Pedestrian Detection
- Dynamic Radar Cruise Control
- Lane Departure Alert
- Automatic High Beams
- Lane Tracing Assist
- Road Sign Assist
An independent insurance agent can help you determine if your Land Cruiser qualifies for safety features discounts.
How Location Affects Toyota Land Cruiser Insurance Rates
Your location has a significant impact on your car insurance premiums. Drivers in large cities with high theft rates may pay much higher insurance rates than those who live in smaller towns. Your credit and driving record can also influence car insurance premiums.
Further, state minimum coverage requirements affect the cost of car insurance. The table below compares the average cost of Toyota Land Cruiser insurance by state and driver profile for 2026.
| State | Clean Record | Accident on Record | 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 |
| Georgia | $3,025 | $4,520 | $4,569 |
| 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 |
Most Expensive States for Toyota Land Cruiser Insurance in 2026
| 1. | Michigan | $5,203 |
| 2. | Louisiana | $4,396 |
| 3. | Rhode Island | $3,902 |
Least Expensive States for Toyota Land Cruiser Insurance in 2026
| 1. | Hawaii | $1,194 |
| 2. | Louisiana | $4,396 |
| 3. | Rhode Island | $3,902 |
How to Save on Toyota Land Cruiser Insurance
Wondering how to reduce your Land Cruiser insurance premiums as much as possible? Many car insurance companies offer several discounts that can reduce your overall coverage costs significantly. Ask your independent insurance agent about these common car insurance discounts:
- Bundling discounts: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Good driver discounts: If your driving record is free of accidents and other violations, you can often save a substantial amount on your car insurance.
- Anti-theft device discounts: Many car insurance companies reward you with savings if your vehicle is equipped with anti-theft devices.
- Low mileage discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low vehicle usage and good habits on the road.
- Toyota Safety Sense credit discounts: If you drive a newer Land Cruiser equipped with Toyota Safety Sense, you may be eligible to receive a credit on your auto insurance.
Choosing a higher deductible can also lead to savings on your car insurance premiums. However, keep in mind that you'll have to pay more out of pocket each time you file a claim. A local independent insurance agent can help you apply all the car insurance discounts you qualify for.
Toyota Land Cruiser vs. Comparable SUV Insurance Costs
The Toyota Land Cruiser's average monthly full coverage insurance rate of $216 is more expensive than the $184 average for typical SUVs. The table below compares the Land Cruiser's monthly full-coverage insurance costs with those of similar SUVs in its class and other Toyota vehicles, including Land Cruiser vs. 4Runner insurance costs.
| Vehicle | Average Monthly Cost of Full Coverage Insurance |
| Toyota FJ Cruiser | $123 |
| Toyota 4Runner | $153 |
| Toyota Camry | $159 |
| Similar SUVs | $184 |
| Toyota Land Cruiser | $216 |
FAQs About Toyota Land Cruiser Insurance
How much does it cost to insure a Toyota Land Cruiser per month?
The average cost of full coverage insurance for a Toyota Land Cruiser is $216 per month, but rates range from $132-$509 depending on the insurance company you choose. Progressive offers the cheapest average insurance rates, at $140 per month for a 30-year-old driver with a clean record.
Is the Toyota Land Cruiser expensive to insure?
Yes, the Land Cruiser costs more to insure per month than typical SUVs, at an average of $216 per month vs. $184. This is due to the Land Cruiser's high MSRP, advanced technology, and expensive repair costs.
Which insurance company is the cheapest for a Toyota Land Cruiser?
We found Progressive, Nationwide, and USAA to be the most affordable insurance companies for a Toyota Land Cruiser this year.
Does the Toyota Land Cruiser trim level affect insurance cost?
Yes. The Land Cruiser trim, which has a starting MSRP of $62,450), generally costs more to insure than the 1958 trim, which has a starting MSRP of $56,450.
What safety rating does the Toyota Land Cruiser have?
The NHTSA rated the 2025 Land Cruiser 4 stars overall. IIHS testing for the vehicle is still in progress. Newer Land Cruisers equipped with the Toyota Safety Sense bundle may qualify for safety discounts on insurance.
How much is liability-only insurance for a Toyota Land Cruiser?
Liability-only insurance for a Land Cruiser typically runs $30–$131 per month, depending on the carrier and driver profile.
Does the hybrid powertrain affect Land Cruiser insurance rates?
Yes. The 2025 and 2026 Land Cruisers use the i-FORCE MAX hybrid powertrain. Some insurance companies charge higher rates for hybrid vehicles.
What states have the highest and lowest Toyota Land Cruiser insurance rates?
The states with the highest rates for Toyota Land Cruiser insurance this year are Michigan ($5,203 per year), Louisiana ($4,396 per year), and Rhode Island ($3,902 per year). The least expensive states are Hawaii ($1,194 per year), North Carolina ($1,546 per year), and Maine ($1,659 per year).
An Independent Insurance Agent Can Help You Get a Toyota Land Cruiser Car Insurance Quote
When it's time to find the most affordable Toyota Land Cruiser insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Land Cruiser insurance coverage and cost.
An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, to find the cheapest coverage near you. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.thezebra.com/auto-insurance/vehicles/toyota/land-cruiser/
https://www.insuranceopedia.com/auto-insurance/toyota-land-cruiser-car-insurance
https://www.autonation.com/vehicle-research/2025-toyota-land-cruiser-trim-levels
https://www.nhtsa.gov/vehicle/2025/Toyota/Land%20Cruiser
https://caredge.com/toyota/land-cruiser/insurance