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The average cost of Toyota car insurance is $2,528 per year. But the exact cost of Toyota insurance varies based on your model, driving record, and location—and your insurance company.
There’s no single insurance company with the best rates for all Toyota owners. Someone with a 1998 Toyota Corolla and a perfect driving record needs different coverage than a driver with a brand-new Toyota Highlander and four speeding tickets—and both drivers are likely to find different quotes based on their profile. So how to find cheap car insurance for your Toyota?
Easy: shop with Jerry. As a licensed insurance broker and the world’s first super app for car owners, Jerry can help you track down the right coverage at the right rate for you. In this article, we’ll go over all the factors that affect the cost of Toyota insurance and share some tips to help you find the best quotes.
How much does Toyota car insurance cost?
The average annual cost of car insurance coverage for a Toyota vehicle is $1,701, but insurance premiums for Toyota drivers vary across models as well as based on your driving history, coverage limits, and location.
In general, Toyota insurance is fairly affordable. That’s because:
- Toyotas are highly popular mass-market cars, meaning that replacement parts are available and cheap
- Toyota’s best-in-class Safety Sense technology makes these vehicles extremely safe
- Toyota has an excellent reputation for reliability, reducing the number of insurance claims associated with Toyota vehicles
But those factors don’t all apply evenly. For example, if you own an older Toyota or a model with a lot of custom upgrades, it may be harder to find replacement parts, raising your average rates. The number of safety features on your Toyota can also affect the price of insurance.
The only way to be sure you’re getting the best deal on Toyota insurance is to compare multiple quotes from different companies—which is what Jerry does best. In just 45 seconds, Jerry can compare rates from over 55 insurance companies to find you quotes tailored to your driver profile. Instead of weighing all the factors yourself (and spending a few hours on hold with insurance agents), let Jerry do the heavy lifting.
How much insurance do you need for a Toyota?
Your insurance needs depend on a lot of factors, including the age of your Toyota and which state it’s registered in.
At a minimum, you should purchase your state’s minimum required car insurance, which typically includes liability coverage (both bodily injury liability and property damage liability). This coverage ensures that you won’t need to pay out of pocket for other drivers’ expenses if you’re at fault in an accident.
But, depending on the state, you may need to purchase any of the following coverage options:
- Uninsured/underinsured motorist coverage: Protects your wallet if you’re in a crash with a driver who doesn’t carry sufficient liability insurance to cover your expenses
- Personal injury protection (PIP): Covers medical expenses (including rehabilitation and funeral costs) for you and your passengers. Required inno-fault states
- Medical payments (MedPay) coverage: Covers some medical expenses for you and your passengers
Once you’ve met your state’s minimum requirements, you’re legally set—but you may not have all the coverage you need. While you’re probably fine sticking to the legal minimum for a twenty-year-old Toyota RAV4 or an ancient Toyota Tundra, it’s usually a good idea to add collision and comprehensive coverage for what’s called a “full-coverage car insurance policy.”
With collision and comprehensive, your Toyota will be covered for damage caused by accidents, severe weather, vandalism, theft, and a range of other threats. Most insurance agents recommend adding these insurance options, and if your Toyota is financed, buying “full coverage” insurance may even be a requirement from your lender, along with gap insurance to cover the difference between your car’s value and the amount left on your loan.
Want to see the kind of Toyota insurance quotes you could get from Jerry? Take a look at the table below—and hear from real Jerry customers!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| May 28, 2023 | Toyota Corolla Matrix XR | $127/mo. | $76/mo. | Winter Park, FL | 32792 | Elva Q. | 40 | Bristol West |
| May 15, 2023 | Toyota 4Runner SR5 | $414/mo. | $92/mo. | Denton, TX | 76210 | Bertie S. | 34 | Commonwealth Insurance |
| April 3, 2023 | Toyota RAV4 XLE | $240/mo. | $153/mo. | Acworth, GA | 30101 | Amy C. | 23 | Progressive |
| March 30, 2023 | Toyota Corolla CE | $551/mo. | $171/mo. | Ridge Spring, SC | 29129 | Loretta B. | 35 | Dairyland |
| December 26, 2022 | Toyota C-Hr XLE | $100/mo. | $61/mo. | Austin, TX | 78751 | Kate V. | 61 | Progressive |
Toyota car insurance rates by model
One of the biggest things that determine the cost of Toyota insurance is which model you drive. As a general rule, smaller and less expensive models like the Toyota Corolla or Toyota Yaris will cost less to insure than larger or more expensive models such as the Toyota Sequoia or Toyota Sienna.
But it’s a lot more complicated than that. Let’s take a look at average annual premiums for some of the most popular Toyota models and see how your car could affect your insurance rate.
How much does Toyota Highlander insurance cost?
The Toyota Highlander is a family-friendly mid-size SUV with excellent safety features—and higher insurance costs than many Toyota models. That’s due to its larger size and the option to add expensive upgrades such as a hybrid powertrain or a luxury appearance package.
The table below shows how average premiums for Highlander drivers vary based on coverage options and the age of the vehicle.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Toyota Highlander | $2,279 | $1,741 |
| 2020 Toyota Highlander | $2,452 | $1,773 |
| 2019 Toyota Highlander | $2,185 | $1,984 |
| 2018 Toyota Highlander | $2,013 | $1,691 |
| 2017 Toyota Highlander | $2,414 | $1,664 |
For more information, check out our in-depth guide to Toyota Highlander insurance costs!
How much does Toyota Tacoma insurance cost?
Trucks are typically more expensive to insure than sedans, so you can expect quotes for a Toyota Tacoma to be higher than the average rate for Toyota Corolla insurance. This beloved, beefy pickup is the perfect workman’s vehicle, but it carries a higher rate due to the risk associated with driving such a performance-oriented vehicle.
Want to see how much you could pay for Tacoma insurance? Check out the table below, which compares full and minimum coverage rates for different Tacoma model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Toyota Tacoma | $2,279 | $1,741 |
| 2020 Toyota Tacoma | $2,452 | $1,773 |
| 2019 Toyota Tacoma | $2,185 | $1,984 |
| 2018 Toyota Tacoma | $2,013 | $1,691 |
| 2017 Toyota Tacoma | $2,414 | $1,664 |
For more information, check out our in-depth guide to Toyota Tacoma insurance costs!
How much does Toyota RAV4 insurance cost?
Toyota’s most popular vehicle is the RAV4 SUV, an uber-practical compact crossover with all the best features that make a Toyota: safety, reliability, and efficiency. Available as either a hybrid or a plug-in hybrid in addition to a purely gas-powered vehicle, the RAV4 is set to overtake the Toyota Prius as the automaker’s most beloved hybrid.
Here’s the breakdown of average annual premiums for RAV4 owners.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2012 Toyota Rav4 | $1,533 | $1,392 |
| 2011 Toyota Rav4 | $1,852 | $1,060 |
| 2010 Toyota Rav4 | $3,282 | $1,675 |
| 2009 Toyota Rav4 | $2,195 | $3,332 |
| 2000 Toyota Rav4 | $1,956 | $1,147 |
For more information, check out our in-depth guide to Toyota RAV4 insurance costs!
How much does Toyota Camry insurance cost?
The Toyota Camry is the quintessential family sedan: practical, safe, and unfussy. Camry owners pay some of the lowest rates for Toyota insurance, thanks to stellar safety ratings and affordable pricing. However, you might pay more to insure your Camry based on your age, driving record, or coverage selections.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Toyota Camry Base | $2,279 | $1,741 |
| 2020 Toyota Camry Base | $2,452 | $1,773 |
| 2019 Toyota Camry Base | $2,185 | $1,984 |
| 2018 Toyota Camry Base | $2,013 | $1,691 |
| 2017 Toyota Camry Base | $2,414 | $1,664 |
For more information, check out our in-depth guide to Toyota Camry insurance costs!
How much does Toyota 4Runner insurance cost?
For true off-roaders who don’t want to go all the way to a Land Cruiser, there’s the Toyota 4Runner, a sturdy mid-size SUV built for the unbeaten path. The 4Runner’s insurance rates are impacted by its reputation as a slightly less reliable Toyota, and by the risks of off-road driving.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Toyota 4runner | $2,279 | $1,741 |
| 2020 Toyota 4runner | $2,452 | $1,773 |
| 2019 Toyota 4runner | $2,185 | $1,984 |
| 2018 Toyota 4runner | $2,013 | $1,691 |
| 2017 Toyota 4runner | $2,414 | $1,664 |
For more information, check out our in-depth guide to Toyota 4Runner insurance costs!
Compare Toyota car insurance quotes
It’s the 21st century, which means that finding car insurance quotes online is easy. But finding real quotes tailored to your personal vehicle and driver profile? That’s a lot harder.
Not with Jerry. Within a minute of downloading the Jerry app, you can get multiple real-time quotes from the best insurance companies for Toyota owners—and because Jerry is a licensed insurance broker, you can trust that you’re getting the best information.
Don’t just take the first quote you’re offered at the Toyota dealership. Instead, take a minute to shop with Jerry and find the best rates on all the insurance products you need.
Best car insurance companies for your Toyota
Toyota owners can find some of the best rates from companies like GEICO,Farmers Insurance, and Allstate—but no single company offers the cheapest insurance for all Toyotas.
That’s right: not even Toyota Insurance Management Solutions has the cheapest insurance for every single Toyota. That’s because every auto insurance company uses a different algorithm to calculate insurance premiums. One company might give greater weight to Toyota’s safety features, while another might offer discounts that fit your profile, giving you a lower rate.
The only way to find the company with the cheapest insurance for your Toyota is to compare multiple rates. Luckily, Jerry can compare real-time quotes from over 55 distinct companies in under a minute, making it easier than ever to find the perfect insurance provider for you and your Toyota.
See how different providers quote for Toyota vehicles in the table below—and how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,191 | $1,074 | |
| National General | $2,850 | $1,009 | |
| Kemper | $2,597 | $895 | |
| Progressive | $2,766 | $864 | |
| Clearcover | $2,581 | $863 | |
| Safeco | $2,640 | $820 | |
| Nationwide | $2,583 | $817 | |
| Allstate | $2,742 | $809 | |
| Travelers | $2,623 | $772 | |
| State Auto | $2,494 | $755 | |
| Compare Prices | |||
Toyota auto insurance cost by driving record
Your particular model isn’t the only thing that determines the cost of Toyota insurance—your driving record is also a major variable.
This one’s pretty simple: drive safely, and you’ll pay less for insurance. Even a minor violation could lead to a significant increase in your insurance rates. Toyota owners with a DUI conviction can expect to pay $1,701 more per year for car insurance, while a simple speeding ticket can add an average of $2,528 to your annual premium!
Use the table below to estimate how much you could save on Toyota insurance by cleaning up your driving record!
Toyota car insurance cost by location
Finally, we’ve got to take your location into account. Insurance rates vary from state to state regardless of what vehicle you drive, so you can expect Toyota owners in Arizona to pay different rates than Toyota drivers in Wyoming.
Want to see how your rates stack up against your state’s average? Take a look at the table below.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,196 | $944 | |
| Austin | $2,541 | $672 | |
| Charlotte | $3,081 | $1,157 | |
| Dallas | $2,445 | $840 | |
| Houston | $2,707 | $781 | |
| Jacksonville | $3,153 | $816 | |
| Orlando | $3,111 | $868 | |
| Philadelphia | $3,429 | $1,031 | |
| Phoenix | $2,278 | $672 | |
| San Antonio | $2,853 | $874 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
