Best Car Insurance for Toyota 2022

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Car Insurance for Toyota

On average, Toyota drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A Sienna SE costs $1,648 less more per year to insure than a Prius Plug-In.
Debuting in the 1930s, Toyota is a Japanese automotive manufacturer that has consistently been one of the highest-selling brands on the market. With cars that are both high-quality and high-performance, Toyota is a great option for drivers looking to ride reliably.
If you do opt for a Toyota, you’ll want to have the right car insurance to keep your vehicle protected.
Insurance premiums are based on the model you choose, alongside factors unique to you. If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy!
Here are some real quotes from Jerry customers who saved money when insuring their Toyota.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
July 15, 2021Toyota Camry BaseWinnsboro, TX7549429Allstate$118/mo.$63/mo.
August 9, 2021Toyota Camry LDouglasville, GA3013527ClearCover$155/mo.$77/mo.
June 3, 2021Toyota Camry LKnoxville, TN3792130Travelers$175/mo.$131/mo.
August 30, 2021Toyota Camry SETexarkana, TX7550327Progressive$175/mo.$134/mo.
August 21, 2021Toyota Camry LEWoodbridge, VA2219347Progressive$227/mo.$172/mo.
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Insurance for Toyota models

While they may all have the same make, insurance premiums for Toyotas can vary greatly based on the age and model of the vehicle.

Insurance for Toyota based on the year of the car

Depreciation means that older Toyotas tend to be less expensive to insure than newer ones.
According to Edmunds, a new car loses 23.5% of its value after the first year and 60% of its value in the first five years. The less your car is worth, the less it costs to repair or replace the time comes to make a claim. This usually leads to insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles, which requires full-coverage insurance. You’ll always end up paying more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Toyotas are 1983 and 1986.
The most expensive years for Toyotas are 2022 and 2021.
Year
Average Cost
Annual Savings with Jerry
2022$3,359$692Compare Prices
2021$3,358$962Compare Prices
2020$3,331$1,025Compare Prices
2019$3,198$930Compare Prices
2018$3,357$1,064Compare Prices
2017$3,074$920Compare Prices
2016$3,313$978Compare Prices
2015$2,967$959Compare Prices
2014$3,181$1,180Compare Prices
2013$2,952$943Compare Prices
2012$3,016$1,071Compare Prices
2011$2,885$1,035Compare Prices
2010$2,973$1,081Compare Prices
2009$2,901$1,013Compare Prices
2008$2,734$928Compare Prices
2007$2,828$1,027Compare Prices
2006$2,402$785Compare Prices
2005$3,207$1,236Compare Prices
2004$2,650$981Compare Prices
2003$2,604$978Compare Prices
2002$2,522$997Compare Prices
2001$2,176$810Compare Prices
2000$2,437$959Compare Prices
1999$2,400$832Compare Prices
1998$1,826$601Compare Prices
1997$3,621$1,350Compare Prices
1996$1,812$542Compare Prices
1995$2,128$975Compare Prices
1994$1,815$700Compare Prices
1993$2,414$840Compare Prices
Key Takeaway Older Toyotas usually cost less to repair or replace than newer ones and may not be leased or financed, so insurance premiums tend to be less.
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Insurance for different models of Toyota

Toyota is a generally inexpensive brand as a whole. With this in mind, the cost of insurance for a Toyota vehicle can vary depending on the specific model you’re driving.
Sedans and compact SUVs are generally cheaper to insure than sporty coupes and large SUVs. This is due to the lower prices, higher safety ratings, and less expensive repair costs for sedans and compact SUVs.
As a full-size SUV, the Sequoia has one of the highest average insurance rates for a Toyota because of its larger size, lower safety ratings, and premium features.
Comparatively, a Yaris will be one of the least expensive Toyota models to insure, as it is both one of the smallest and cheapest makes in the lineup.
If you want to learn more about car insurance costs for some of the most popular Toyota models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the pricier your insurance premiums will usually be.
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Full coverage vs. minimum coverage for your Toyota

The cost to insure your Toyota will depend on the coverage you choose. Every state has minimum coverage requirements that you must adhere to before you can hit the road. Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Uninsured/underinsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Some states also require personal injury protection (PIP) to help pay for your medical expenses—this is especially useful if you live in a no-fault state.
While these are the mandatory minimums, it’s always a good idea to purchase additional protection for your Toyota if you can afford it.
If your Toyota is leased or financed, you may be required to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Toyota is $1,726 per year for minimum car insurance and $2,453 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Toyota with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Toyota$2,357$1,599$2,369$1,484$2,513$1,820
Toyota
All Coverage Before Jerry
$2,357
All Coverage After Jerry
$1,599
Minimum Coverage Before Jerry
$2,369
Minimum Coverage After Jerry
$1,484
Full Coverage Before Jerry
$2,513
Full Coverage After Jerry
$1,820
As is true of most makes, a more expensive car will be more expensive to insure. Compared to similar brands—like Ford and Honda—insurance premiums for Toyotas tend to be about the same.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Toyota

The age and model of your Toyota, alongside the type of insurance you purchase, will impact your baseline insurance rates. Insurance carriers will also consider the individual demographics of the driver when determining premiums.

The model of Toyota you drive

Toyota has a wide range of models, and insurance rates will vary depending on the one you own. They vary because repair and replacement costs are different for a Corolla than they are for a Tundra.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
Most models are offered in different trim levels—that is, versions of the same model with different features and additions. A higher trim can lead to pricier insurance premiums.
For example, here’s what insurance you might want to consider for a Highlander.
TrimFeaturesRecommended coverageReason for coverage
Highlander LThe base trim of the Highlander features tri-zone climate control, second- and third-row 60/40-split folding seats, and a six-speaker audio system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)With the availability for system upgrades, sound system coverage will protect you if your updated audio equipment gets stolen.
Highlander PlatinumThis top-of-the-line trim adds adaptive headlights, a panoramic sunroof, surround-view camera system, and digital rearview mirror.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)Towing and Labor coverage

Your insurance company

Since insurers offer different rates for the same driver and coverage, your best bet to land a competitive policy and premium is to compare quotes.
But remember, the best coverage is not always synonymous with the cheapest coverage. While a good deal is nice to get, a cheap car insurance policy isn’t any good if it doesn’t offer the coverage you need in the event of an incident.
If you’ve ever had to shop for insurance rates yourself, you know how monotonous and time-consuming it can be.
The quickest, easiest way to make sure you’re getting the right coverage for the right price is to compare quotes from different providers using the comparison shopping and broker app Jerry.
It takes less than a minute to get competitive quotes from the top auto insurance providers in the country. Once you decide on a plan, Jerry handles the rest.
And since Jerry reviews your policy every 6 months, you can be sure that you’re always getting the coverage you need at the best price.
Here’s what Toyota drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$3,436$1,136Compare Prices
Safeco$3,284$1,119Compare Prices
Kemper$2,787$1,100Compare Prices
National General$3,305$1,098Compare Prices
Allstate$2,937$985Compare Prices
Nationwide$2,642$963Compare Prices
Progressive$2,808$916Compare Prices
Travelers$2,789$819Compare Prices
State Auto$2,401$762Compare Prices
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Your age

Since your age reflects your driving experience and the likelihood of you getting into an accident, it can have a big impact on your premium.
Older drivers who have lots of driving experience usually pay less for insurance. Younger drivers are more likely to make a claim, so their insurance rates will likely be higher.

Your driving record

Insurance carriers periodically check your driving record to assess your risk level and adjust your rates.
Minor offenses, like a speeding ticket, shouldn’t impact your rates too seriously. But repeated offenses, or major violations, will label you as a high-risk driver and can greatly increase your premium.
Driving safely and maintaining a clean driving record is a great way to save money on insuring your Toyota.
Here are some common insurance premiums for Toyota drivers with previous infractions:
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Where you live

Insurance companies heavily factor your location into your auto insurance premium, which means rates for Toyotas can vary from place to place—even within the same state! This is because each area has different accident rates, crime rates, and even incidences of natural disasters.
For your insurance company, it’s all about the risk and the number of claims that are generally made in any one location. If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
According to our data, there is a high percentage of Toyota drivers in cities including Houston (TX), Los Angeles (CA), Burke (VA), Jacksonville (FL) and Virginia Beach (VA).
The cheapest car insurance for Toyota for Jerry users is in Ashland (VA) and Niederwald (TX).
The most expensive car insurance for Toyota for Jerry users is in Camden (NJ) and Mount Vernon (NY).
No matter where you live, what your personal driving history looks like, or the model of Toyota you drive, it’s possible to find affordable [car insurance](https://getjerry.com/car-insurance by using Jerry.
Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from 50+ top providers. Don’t lose coverage, find savings with Jerry.

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