How much does Toyota car insurance cost?

How to find the cheapest Toyota car insurance quotes

Best car insurance companies for Toyota drivers

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.

Insurance costs for popular Toyota models 

Safety features: Cars with excellent safety ratings, like the Toyota Corolla and Toyota Camry, generally see lower insurance rates.
Vehicle value: Expensive vehicles are typically more costly to insure when compared to entry-level economy cars.
Vehicle class: Large SUVs, like the Toyota Sequoia, tend to have higher insurance costs than small cars and compact SUVs.
Engine size: Cars with powerful performance engines represent a higher risk to insurance companies. For this reason, they tend to see higher insurance costs.
Availability of replacement parts: Vehicles with expensive or difficult-to-acquire replacement parts, like luxury import or discontinued cars, tend to have higher insurance costs.
Cost of repairs: Performance and luxury vehicles tend to have high repair costs. This can result in increased insurance rates. 

Toyota Corolla insurance costs 

LE: Starting at $22,795, the 2023 base model Toyota Corolla LE features a 169-horsepower engine, 16-inch wheels, an eight-inch touchscreen, adaptive cruise control, forward collision warning, and automatic emergency braking.  
SE: Starting at $25,235, the 2023 Toyota Corolla SE adds 18-inch alloy wheels, paddle shifters, sportier trim, and sport-bolstered front seats.
XSE: Starting at $27,945, the 2023 Toyota Corolla XSE includes the SE’s sporty upgrades and adds LED headlights and accent lighting, a sunroof, a blind spot warning system, and an upgraded driver information display. 

Toyota Prius insurance costs 

LE: Starting at $28,545, the 2023 base model Toyota Prius LE feature a combined motor system capable of 194 horsepower, 17-inch wheels, LED headlights, a six-speaker sound system with Apple CarPlay and Android Auto, and standard driver-assist and safety tech. 
XLE: Starting at $31,990, the 2023 Toyota Prius XLE adds 19-inch wheels, keyless entry and start, a 12.3-inch touchscreen, parking sensors, and a panoramic glass roof.
Limited: Starting at $35,560, the 2023 Toyota Prius Limited includes the XLE features. It also includes upgrades like a power liftgate, a heated steering wheel, driver’s seat memory settings, and an eight-speaker JBL sound system. 

Toyota RAV4 insurance costs

LE: Starting at $29,610, the 2023 base model Toyota RAV4 LE features a 203-horsepower engine, LED headlights, 17-inch wheels, an eight-inch touchscreen display, and the Toyota Safety Sense 2.5 suite of driver-assist and safety features. 
XLE: Starting at $31,120, the 2023 Toyota RAV4 XLE adds keyless entry and ignition, a blind spot monitor, and additional USB charging ports.
XLE Premium: Starting at $34,010, the 2023 Toyota RAV4 XLE Premium includes upgrades like LED foglights, 19-inch wheels, a raised suspension, a sunroof, and a power liftgate
Adventure: Starting at $35,805, the 2023 Toyota RAV4 Adventure ditches the sunroof and liftgate but adds fender flares, taller roof rails, terrain drive modes, and hill descent control. 
TRD Off-Road: Starting at $39,230, the 2023 Toyota RAV4 TRD Off-Road includes the sunroof and liftgate and adds upgrades like 18-inch wheels with all-terrain tires, an off-road-tuned suspension, 10.5-inch touchscreen, and black trim elements. 
Limited: Starting at $37,915, the 2023 Toyota RAV4 Limited has the same features as the XLE Premium with additions such as heated and ventilated front seats, a digital instrument panel, and an 11-speaker JBL audio system. 

Toyota Tundra insurance costs 

SR: Starting at $40,760, the base model 2023 Toyota Tundra SR features a 389-horsepower engine, 18-inch steel wheels, LED headlights, an eight-inch touchscreen, Apple CarPlay and Android Auto, and Toyota Safety Sense 2.5. 
SR5: Starting at $46,265, the 2023 Toyota Tundra SR5 adds alloy wheels, LED foglights, selectable drive modes, and a towing package. 
Limited: Starting at $52,360, the 2023 Toyota Tundra Limited includes upgrades like 20-inch wheels, a 14-inch center touchscreen, automatic climate control, a blind spot monitor, and a tailgate release button. 
Platinum: Starting at $65,570, the 2023 Toyota Tundra Platinum adds more luxury features, like ambient interior lighting, a digital instrument panel, a premium JBL audio system, and a panoramic sunroof.
1794: Starting at $63,255, the 2023 Toyota Tundra 1794 Edition includes the same features as the Premium Edition with ranch-style badges and accents. 
TRD Pro: Starting at $72,715, the 2023 Toyota Tundra TRD Pro features a 437-horsepower hybrid engine, 18-inch TRD wheels with all-terrain tires, a 1.1-inch front suspension lift, and a beefier suspension. 
Capstone: Starting at $79,440, the 2023 Toyota Tundra Capstone includes the same 437-horsepower hybrid engine as the TRD Pro with upgrades like 22-inch wheels, exclusive trim pieces, automatic running boards, and a heads-up display. 

Toyota Sequoia insurance costs 

SR5: Starting at $61,460, the base model 2023 Toyota Sequoia SR5 features a turbocharged 437-horsepower engine, 18-inch alloy wheels, LED headlights and foglights, roof rails, a 360-degree camera, an eight-inch touchscreen, and the Toyota Safety Sense package of driver aids and safety features. 
Limited: Starting at $67,860, the 2023 Toyota Sequoia Limited adds 20-inch wheels, driver’s seat memory settings, a 14-inch touchscreen, and two 120-volt AC outlets. 
Platinum: Starting at $74,060, the 2023 Toyota Sequoia Platinum adds luxury features like 20-inch black alloy wheels, rain-sensing windshield wipers, ambient lighting, and a 14-speaker JBL audio system. 
TRD Pro: Starting at $79,160, the 2023 Toyota Sequoia TRD Pro includes an all-wheel-drive drivetrain, 18-inch TRD wheels, dual exhaust, and off-road equipment. 
Capstone: Starting at $78,460, the 2023 Toyota Sequoia Capstone adds 22-inch wheels, premium leather upholstery, sound-insulated windows, and a heads-up display. 

What factors affect Toyota car insurance rates?

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.

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

Toyota insurance cost for senior drivers

Toyota insurance cost for drivers with driving violations 

Speeding tickets
DUIs
At-fault accidents
Reckless driving
Driving on a suspended license

Cheapest car insurance for Toyota drivers with speeding ticket

Cheapest car insurance for Toyota drivers with a DUI record

Cheapest car insurance for Toyota drivers after an accident

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

How can I lower the cost of my 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. 

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