There are a lot of factors that contribute to your Toyota Land Cruiser's insurance costs. You need the right types of car insurance with the lowest possible premiums from an insurance company you can trust. An independent insurance agent can help you find the right insurance provider. They can even walk you through your options for auto insurance coverage.
Not sure where to find an independent insurance agent?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Toyota Land Cruiser.
What Kind of Insurance Do You Need for Your Toyota Land Cruiser?
Bodily injury liability: If someone is hurt in an accident you caused, your bodily injury liability insurance pays for medical care and the costs of recovery. This insurance is often legally required, so it helps to have an agent who understands the local laws.
Property damage liability: Property damage liability auto insurance may be required by law. It's a good idea to purchase more than the minimum required amount. If the damage exceed the policy's limits, you'll have to pay the rest of the bill out of pocket.
Medical payments/Personal injury protection: Depending on where you live, you can choose between medical payments and personal injury protection auto insurance coverage. In many states, this type of insurance is mandatory.
Uninsured motorist coverage: Even though it's illegal to drive without insurance in many areas of the country, people still do it. If you are in an accident with someone who doesn't have the right type or the right amount of insurance, you may be left with the bill. Uninsured and underinsured motorist coverage is optional, but it's also a smart choice.
Collision: If you are in an accident while driving your Land Cruiser, collision coverage pays for the damage. This is a great option if your car is newer. Your agent can help you decide if collision coverage is worth it if you drive an older Land Cruiser.
Comprehensive: If you hit an animal in the road or vandals damage your Land Cruiser, comprehensive insurance coverage will cover the damage. The insurance company will pay to repair or replace your car, up to its fair market value.
Glass coverage: Replacing a windshield is crucial, but it's also expensive. If you have a zero-deductible glass coverage policy, you don't have to worry about paying hundreds of dollars for a new windshield.
Gap insurance: If you bought a brand-new Land Cruiser and declined the gap insurance at the dealership, talk with your agent about whether you need this coverage. If you are in an at-fault accident and your car is a total loss, the insurance will pay the fair market value to your lienholder. Hopefully, it's enough to pay off your loan. Without gap insurance, you'll be responsible for paying off the remainder of the debt on your own.
What Affects the Cost of Insurance for Your Toyota Land Cruiser?
Annual mileage: Driving your Land Cruiser more than 10,000 to 15,000 miles each year means you'll pay slightly higher car insurance premiums.
Your driving record: Even if you have a moving violation or at-fault accident on your record, you can still get a fair rate for your insurance. It's important to have an independent insurance agent on your side who can shop multiple companies on your behalf.
The value of your vehicle: The Toyota Land Cruiser has a price point that's above average for this class of vehicle. Expect to pay higher insurance rates for your Land Cruiser than you would for a less-expensive SUV.
Average Toyota Land Cruiser Insurance Costs
40-year-old Toyota Land Cruiser drivers with spotless driving records pay about $1,776 each year for full coverage auto insurance. Liability-only policies cost just $390 per year. New drivers should expect to pay much more. If you have an at-fault accident on your record, you'll pay higher insurance premiums, as well. Your agent can help you understand your options and talk with you about how to get the most insurance value for your dollar.
The Safety of Your Toyota Land Cruiser
The Land Cruiser doesn't have any recent crash test ratings. The newer models have many sought-after safety features to help keep drivers and passengers safe. Toyota Safety Sense™ 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
Your agent can help you understand how certain safety features could help decrease your insurance premiums. Talk with a local agent if you are shopping for a Land Cruiser before you make your purchase.
How Location Affects Your Toyota Land Cruiser Insurance
Where you live affects your insurance premiums. Drivers who live in large cities are more likely to be in an accident, which means they'll pay higher insurance rates.
Average annual insurance rates for 40-year-old Toyota Land Cruiser driver are as follows.
|Rural Areas||Small Cities||Large Cities|
Additional Factors That Affect Your Toyota Land Cruiser Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Toyota Land Cruiser
|Average annual cost to insure a Toyota Land Cruiser with full coverage||$1,346|
|Top three most expensive states for Toyota Land Cruiser insurance|
|Louisiana, New York, and Michigan||$2,520|
|Top three most affordable states for Toyota Land Cruiser insurance|
|Vermont, New Hampshire, and Missouri||$1,350|
Top Independent Insurance Carriers That Insure the Toyota Land Cruiser
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers.
- Auto-Owners Insurance
Get a Toyota Land Cruiser Quote
An independent insurance agent can help you find great rates for your Toyota Land Cruiser insurance. With TrustedChoice.com, you can find an agent in your area right away. Use the Find-an-Agent tool to connect with a local independent insurance agent and get the best possible auto insurance coverage for your Toyota Land Cruiser.
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver