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Cheapest Toyota Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Toyota.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Toyota car insurance cost?

Since entering the U.S. market in 1957, Toyota has become one of the most popular car brands of all time. Known for its wide range of intensely reliable vehicles, the Toyota lineup includes sedans, SUVs, pickup trucks, and hybrids. 
Toyota owners pay, on average, $1,116 for
car insurance
annually. But just as every Toyota driver is unique, insurance rates vary from person to person. 
Many factors can influence the insurance rate you receive, including your driving record, age, and your car’s make and model. That means that there is no single best insurance policy or “average”
car insurance quote
for everyone. Luckily, Jerry is here to help you find the best Toyota auto insurance rates by comparing dozens of companies and premiums for you. 

How to find the cheapest Toyota car insurance quotes

Jerry has provided thousands of real Toyota insurance quotes. Check out the table below for some real-world examples.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 15, 2024
Toyota RAV4 XLEProgressive
$77
• State Minimum Liability
July 12, 2024
Toyota 4runner SR5AAA
$155
• 100,000/300,000 Liability
• Comp / Collision
July 6, 2024
Toyota RAV4 LEAllstate
$190
• 100,000/300,000 Liability
• Comp / Collision
July 4, 2024
Toyota RAV4 LESafeco
$125
• 50,000/100,000 Liability
• Comp / Collision
July 1, 2024
Toyota Camry LETravelers
$76
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 15, 2024

Best car insurance companies for Toyota drivers

When
shopping for car insurance
, you must search for the right policy for you and your vehicle. 
The best car insurance policy for you will depend, in part, on your driving history, age, location, and claims record. Because of that, there isn’t a single auto insurance company that’s right for everyone. 
To help you save money and find the best rates, Jerry conducted the largest insurance survey in the nation—and here’s what we found.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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ClearCover
Great services and fast responses
Denise
Bristol West
Reliable insurance, great customer service!
Anthony
The General
Quick, easy and very affordable. Same day insurance.
Jillian
Bristol West
Never had an issue. Can't say I've had to make a claim or anything but they're easy to get ahold of and willing to help
Meghan

Are Toyotas more expensive to insure?

Compared to the average cost of other cars, Toyota vehicles cost 4% less to insure.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Porsche
$83
$197
Buick
$86
$172
Toyota
$93
$166
Honda
$95
$169
KIA
$99
$182

Cheapest Toyota to insure

The Toyota model that will cost you the least to insure is the 2020 Toyota Prius, with an average monthly premium of $37 for minimum liability insurance and $191 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2020 Toyota Prius
$78
$191
2017 Toyota 4Runner
$78
$143
2020 Toyota 4Runner
$78
$148
2018 Toyota Mirai
$78
$200
2018 Toyota Tundra
$78
$161

Most expensive Toyota to insure

The Toyota model most expensive to insure is the 2020 Toyota Sienna, averaging $180 monthly for basic liability coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2020 Toyota Sienna
$145
$189
2016 Toyota Sienna
$145
$162
2016 Toyota 4Runner
$145
$159
2020 Toyota Avalon
$145
$246
2022 Toyota Prius
$142
$209
Keep in mind that insurance rates vary based on many factors, including your car model year, your driving record, your age, and your insurance claims history. The best way to find the most affordable insurance provider for you is to shop around and compare rates from multiple companies.

What factors affect Toyota car insurance rates?

Many factors affect
how car insurance is calculated
, including the following
  • Vehicle age: If you drive a new Toyota, you should expect to pay higher insurance rates. 
  • Vehicle cost: Costlier vehicles, like the Toyota Sequoia, are more expensive to insure than cheaper options, like the Toyota Tacoma or Toyota Sienna. 
  • Parts cost: Insurance rates are higher for vehicles with expensive or difficult-to-acquire parts. 
  • Your age: Drivers under 25 and over 75 pay the highest insurance premiums. 
  • Your driving record and insurance claims history: You should expect to pay higher premiums if you have a history of accidents or insurance claims.
  • Where you store your car: Parking your car outside exposes it to greater risks of damage due to theft, vandalism, or weather. This can cause your insurance rates to climb.
Your Toyota insurance rates may also depend on the following brand-specific factors: 
  • Safety: Toyota cars tend to receive excellent safety ratings, which contribute to lower insurance costs.
  • Reliability: Highly reliable vehicles like Toyotas tend to see lower insurance costs.
  • Imports: While some Toyotas are manufactured in the U.S., they may still use parts imported from Japan. Other Toyota models are fully produced overseas, which can raise insurance rates. 

Toyota insurance cost for young drivers

Insurance products are the most expensive for
teen drivers
aged 16 to 19. Experts recommend full coverage for teens since young drivers are more likely to be involved in crashes than older and more experienced motorists. 

card cover
Isabelle (24 years old)
coverageCoverage
State Minimum
carToyota Camry SE Night Shade
$221
per month
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Jayden (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 Limited
$136
per month
card cover
Edgar (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 XLE
$122
per month
card cover
Roger (24 years old)
coverageCoverage
State Minimum
carToyota Avalon XL
$296
per month
card cover
Clearcover
Dorothy (23 years old)
coverageCoverage
State Minimum
carToyota Camry Hybrid
$99
per month

Toyota insurance cost for senior drivers

Seniors in their mid-70s pay the second-highest auto insurance premiums out of all age groups.
Car insurance rates for seniors
are high because older drivers are more likely to be involved in accidents. They’re also more prone to severe injuries as a result of accidents, causing steep medical bills and increased risk for the insurance provider. 

card cover
Essie (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota Corolla L
$403
per month
card cover
Patrick (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$75
per month
card cover
Cecilia (72 years old)
coverageCoverage
State Minimum
carToyota RAV4 Limited
$116
per month
card cover
Marcus (66 years old)
coverageCoverage
State Minimum
carToyota Corolla LE
$144
per month
card cover
Jordan (78 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carToyota 4runner SR5
$155
per month

Toyota insurance cost for drivers with driving violations 

Your driving record plays a prominent role in determining your Toyota car insurance rate. Drivers with a clean record and no at-fault accidents will pay lower rates, while drivers with the following violations will see steeper premiums: 
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Toyota drivers with speeding ticket

A single speeding ticket for one to five miles over the limit shouldn’t affect your insurance rates too drastically, but many tickets or one serious ticket can cause your rates to soar. Jerry is proud to help Toyota drivers with varying levels of speeding tickets find affordable insurance options.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Toyota 4runner Sr5/sr5 PremiumTravelers
$65
• 250,000/500,000 Liability
• Comp / Collision
Speeding 6-10
Toyota Camry LEProgressive
$119
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Toyota Corolla LAAA
$127
• State Minimum Liability
• Comp / Collision
Speeding 21+
Toyota Camry LENationwide
$84
• 15,000/30,000 Liability
coverageLast Updated Jul 16, 2024

Cheapest car insurance for Toyota drivers with a DUI record

If you have a
DUI conviction
on your record, your insurance rates will likely skyrocket. To find the best deals on insurance, you’ll have to shop around and compare rates. 
Jerry has helped numerous Toyota drivers with DUIs find affordable insurance. 

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Amanda (26 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carToyota Corolla CE
$166
per month
card cover
Ryan (27 years old)
DUI
coverageCoverage
State Minimum
locationMansfield Center, CT
carToyota Corolla L
$213
per month
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Alice (25 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMilwaukee, WI
carToyota Camry
$195
per month
card cover
Jane (51 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLexington, NC
carToyota Corolla LE
$134
per month
card cover
Trevor (24 years old)
DUI
coverageCoverage
No Coverage
carToyota Tacoma Double Cab
$631
per month

Cheapest car insurance for Toyota drivers after an accident

Your accident and insurance claims history have a major effect on your insurance rates. If you’ve recently caused a crash, you should expect your premium to rise. 
Jerry is proud to have helped many Toyota drivers find quality insurance after an accident. 

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Toyota RAV4 XLEProgressive
$104
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Toyota RAV4 XLETravelers
$61
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Toyota Tacoma Double CabAllstate
$107
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Toyota CamryBristol West
$258
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Toyota Sienna XLEPlymouth Rock
$162
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

Cheapest car insurance for Toyota drivers with other driving violations on their record

Besides speeding tickets and DUIs, other driving offenses can cause your insurance rates to rise. Violations like reckless driving and
driving on a suspended license
can spike your insurance premiums—and they’ll stay that way for a while.
Luckily, Jerry is here to help Toyota owners find quality insurance options after a variety of driving violations. 

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Toyota Camry LEProgressive
$179
• State Minimum Liability
Defective Equipment
Toyota Corolla LAAA
$115
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Toyota CorollaAllstate
$202
• 50,000/100,000 Liability
Wrong Way/Wrong Lane
Toyota Corolla LPlymouth Rock
$138
• State Minimum Liability
• Comp / Collision
Cell Phone
Toyota Tacoma Access CabSafeco
$78
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
Toyota Corolla
Clearcover
$77
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Toyota Highlander PlatinumBristol West
$112
• State Minimum Liability
Failure to Obey Signal
Toyota CorollaTravelers
$189
• 100,000/300,000 Liability
• Comp / Collision
Seat Belt
Toyota Camry Hybrid
Gainsco
$139
• No Coverage Liability
Improper Passing
Toyota Corolla LSafeco
$287
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

How can I lower the cost of my Toyota car insurance?

There are several ways you can lower the cost of your Toyota car insurance.
  • Compare rates: The best way to find affordable rates is to
    shop around for insurance coverage
    . Jerry makes this process easy by searching through free quotes from over 50 of the country’s top insurance companies. 
  • Bundle your insurance plans: Another easy and simple way to reduce your monthly bill is by
    bundling your homeowners and auto insurance
    with the same company. 
  • Participate in a telematics program: Many of today’s insurance providers offer
    insurance discounts
    for drivers who participate in telematics programs. These programs may track your driving habits and reward safe drivers with lower premiums. 
  • Raise your deductible: The deductible is the amount of money you pay out of pocket before your insurer will pay on a claim. Increasing your deductible is a solid way to reduce your monthly rate. 
  • Reduce your coverage: Older and less valuable cars require less coverage than expensive new models. If you drive an older Toyota, you may be able to save some money by
    reducing your coverage
  • Purchase a used car: New cars tend to cost significantly more to insure than older used cars. Purchasing a used Toyota may be an excellent way to cut down on your insurance costs. 

FAQs

Car insurance for a 2023 Toyota Camry costs $252 monthly for full coverage and $134 monthly for state minimum liability insurance. Remember, though, that those are averages—your actual rate depends on many factors, including your age, location, driving record, car model, and insurance history.
On average, car insurance for a 2023 Toyota Corolla costs $106 per month for full coverage and $234 for basic liability coverage. 
Toyota cars have lower maintenance costs when compared to high-end luxury vehicles. That said, it’s important to note that actual maintenance costs vary based on your model year, trim options, driving habits, and environment. 
To cancel your Toyota gap insurance, you’ll need to contact your dealership or insurance agency. Alternatively, when you shop with Jerry, we’ll help you enroll in your new policy and cancel your old one!
Toyota gap insurance—also known as guaranteed asset protection—is an optional coverage offered by Toyota that protects you if your car is totaled in an accident. It covers the “gap” between the actual value of your car and the amount you owe on a loan or lease. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.