Toyota Car Insurance: How Much Is Toyota Insurance? 2024
The typical monthly cost to insure a Toyota is $260, which adds up to about $3,122 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Toyota, established in 1937, is a Japanese automaker known for its reliable, fuel-efficient vehicles, producing a wide range of cars, trucks, and hybrids, including the pioneering Prius. Several factors influence the cost of insuring a Toyota. Your age, driving history, and where you live significantly impact your car insurance premium. Insurance companies use these details to evaluate the risk involved in insuring your Toyota. The average cost to insure a Toyota is $3,122 per year.
How Much Does Toyota Insurance Cost?
The monthly average cost to insure a Toyota is $260, equating to about $3,122 annually. However, actual insurance costs can vary significantly based on factors such as your age, driving history, location, and the specific Toyota model.
Average Toyota Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Toyota, across all models, is $4,197 per year.
The Toyota RAV4 is the cheapest model to insure, at $2,477 per year. On the other hand, the Toyota Supra is the most expensive, at an average of $5,974 per year.
Use the table below to compare insurance rates for Toyota models.
| Toyota Model | Average Yearly Insurance Cost |
| Toyota 4Runner | $2,529 |
| Toyota Avalon | $3,291 |
| Toyota C-HR | $3,187 |
| Toyota Camry | $2,534 |
| Toyota Corolla | $3,307 |
| Toyota Highlander | $3,005 |
| Toyota Land Cruiser | $3,396 |
| Toyota Prius | $3,069 |
| Toyota RAV4 | $2,477 |
| Toyota Sequoia | $2,701 |
| Toyota Sienna | $2,948 |
| Toyota Supra | $5,974 |
| Toyota Tacoma | $2,542 |
| Toyota Tundra | $2,938 |
| Toyota Yaris | $2,931 |
Keep in mind that these numbers are just averages, and the real cost can differ based on factors like where you live, your age, driving record, and the coverage you select.
¿Are Toyotas Expensive To Insure?
The national average car insurance cost is $156 per month. In contrast, insuring a Toyota averages $260 per month, significantly higher. However, since insurance rates are determined more by specific models than the brand overall, it’s important to check rates tailored to your particular Toyota model.
Toyota 4 Runner Insurance Cost
The average cost of insuring a Toyota 4 Runner across all model years, is $851 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota 4 Runner | $1,396 |
| 2023 Toyota 4 Runner | $688 |
| 2022 Toyota 4 Runner | $714 |
| 2021 Toyota 4 Runner | $807 |
| 2020 Toyota 4 Runner | $652 |
Toyota Avalon Insurance Cost
The average cost of insuring a Toyota Avalon across all model years, is $1,044 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Avalon | $1,037 |
| 2023 Toyota Avalon | $1,187 |
| 2022 Toyota Avalon | $1,025 |
| 2021 Toyota Avalon | $785 |
| 2020 Toyota Avalon | $1,187 |
Toyota C-HR Insurance Cost
The average cost of insuring a Toyota C-HR across all model years, is $917 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota C-HR | $1,076 |
| 2022 Toyota C-HR | $1,034 |
| 2022 Toyota C-HR | $1,025 |
| 2021 Toyota C-HR | $785 |
| 2020 Toyota C-HR | $663 |
Toyota Camry Insurance Cost
The average cost of insuring a Toyota Camry across all model years, is $512 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Camry | $707 |
| 2023 Toyota Camry | $366 |
| 2022 Toyota Camry | $572 |
| 2021 Toyota Camry | $454 |
| 2020 Toyota Camry | $461 |
Toyota Corolla Insurance Cost
The average cost of insuring a Toyota Corolla across all model years, is $575 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Corolla | $667 |
| 2023 Toyota Corolla | $673 |
| 2022 Toyota Corolla | $621 |
| 2021 Toyota Corolla | $406 |
| 2020 Toyota Corolla | $508 |
Toyota Highlander Insurance Cost
The average cost of insuring a Toyota Highlander across all model years, is $890 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Highlander | $1,247 |
| 2023 Toyota Highlander | $818 |
| 2022 Toyota Highlander | $774 |
| 2021 Toyota Highlander | $822 |
| 2020 Toyota Highlander | $788 |
Toyota Land Cruiser Insurance Cost
The average cost of insuring a Toyota Land Cruiser across all model years, is $890 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Land Cruiser | $1,247 |
| 2023 Toyota Land Cruiser | $818 |
| 2022 Toyota Land Cruiser | $774 |
| 2021 Toyota Land Cruiser | $822 |
| 2020 Toyota Land Cruiser | $788 |
Toyota Prius Insurance Cost
The average cost of insuring a Toyota Land Cruiser across all model years, is $1,149 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Prius | $1,689 |
| 2023 Toyota Prius | $1,319 |
| 2022 Toyota Prius | $931 |
| 2021 Toyota Prius | $802 |
| 2020 Toyota Prius | $1,004 |
Toyota RAV4 Insurance Cost
The average cost of insuring a Toyota RAV4 across all model years, is $604 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota RAV4 | $839 |
| 2023 Toyota RAV4 | $523 |
| 2022 Toyota RAV4 | $536 |
| 2021 Toyota RAV4 | $596 |
| 2020 Toyota RAV4 | $525 |
Toyota Sequoia Insurance Cost
The average cost of insuring a Toyota Sequoia across all model years, is 2,844 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Sequoia | $2,773 |
| 2023 Toyota Sequoia | $4,410 |
| 2022 Toyota Sequoia | $1,154 |
| 2021 Toyota Sequoia | $1,611 |
| 2020 Toyota Sequoia | $4,473 |
Toyota Sienna Insurance Cost
The average cost of insuring a Toyota Sienna across all model years, is $936 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Sienna | $1,247 |
| 2023 Toyota Sienna | $994 |
| 2022 Toyota Sienna | $961 |
| 2021 Toyota Sienna | $668 |
| 2020 Toyota Sienna | $812 |
Toyota Supra Insurance Cost
The average cost of insuring a Toyota Supra across all model years, is $2,123 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Supra | $3,163 |
| 2023 Toyota Supra | $2,226 |
| 2022 Toyota Supra | $1,809 |
| 2021 Toyota Supra | $1,388 |
| 2020 Toyota Supra | $2,030 |
Toyota Tacoma Insurance Cost
The average cost of insuring a Toyota Tacoma across all model years, is $775 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Tacoma | $1,117 |
| 2023 Toyota Tacoma | $708 |
| 2022 Toyota Tacoma | $670 |
| 2021 Toyota Tacoma | $694 |
| 2020 Toyota Tacoma | $685 |
Toyota Tundra Insurance Cost
The average cost of insuring a Toyota Tundra across all model years, is $953 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Tundra | $1,670 |
| 2023 Toyota Tundra | $890 |
| 2022 Toyota Tundra | $749 |
| 2021 Toyota Tundra | $861 |
| 2020 Toyota Tundra | $595 |
Toyota Yaris Insurance Cost
The average cost of insuring a Toyota Yaris across all model years, is $1,118 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Toyota Yaris | $2,206 |
| 2020 Toyota Yaris | $964 |
| 2019 Toyota Yaris | $689 |
| 2018 Toyota Yaris | $1,027 |
| 2020 Toyota Yaris | $706 |
Cheapest Car Insurance Companies For Toyotas
The cost of your Toyota car insurance policy will depend on the company that you choose. Union Mutual offers the cheapest rates for insuring an Toyota, at $5,068 per year.
Use the table below to compare cheap full-coverage rates for a Toyota.
| Company | Average Annual Premium |
| Union Mutual | $712 |
| Oregon Mutual | $1,127 |
| Hastings Mutual | $1,078 |
| American National | $1,234 |
| Countryway | $1,124 |
Toyota Car Insurance Cost – By Driver Age
The rates you pay to insure a Toyota will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $10,586 |
| 18 | $9,867 |
| 19 | $8,707 |
| 20 | $7,594 |
| 21 | $6,377 |
| 22 | $6,200 |
| 23 | $5,434 |
| 24 | $5,150 |
| 25 | $4,451 |
| 30 | $3,468 |
| 35 | $3,256 |
| 40 | $3,130 |
| 45 | $3,031 |
| 55 | $2,784 |
| 65 | $2,901 |
| 75 | $3,669 |
Average Toyota Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| Travelers | $93 |
| Nationwide | $99 |
| GEICO | $89 |
| State Farm | $111 |
| Progressive | $109 |
| Allstate | $129 |
| Farmers | $128 |
Average Toyota Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $3,551 |
| Alaska | $2,156 |
| Arizona | $3,840 |
| Arkansas | $3,419 |
| California | $2,194 |
| Colorado | $3,635 |
| Connecticut | $5,154 |
| Delaware | $3,709 |
| Florida | $4,666 |
| Hawaii | $843 |
| Idaho | $2,354 |
| Illinois | $2,648 |
| Indiana | $2,688 |
| Iowa | $2,008 |
| Kansas | $2,825 |
| Kentucky | $4,161 |
| Louisiana | $5,029 |
| Maine | $2,376 |
| Maryland | $3,052 |
| Massachusetts | $1,515 |
| Michigan | $8,749 |
| Minnesota | $2,811 |
| Mississippi | $2,594 |
| Missouri | $3,202 |
| Montana | $2,807 |
| Nebraska | $2,359 |
| Nevada | $3,784 |
| New Hampshire | $3,367 |
| New Jersey | $3,808 |
| New Mexico | $2,924 |
| New York | $3,691 |
| North Carolina | $1,332 |
| North Dakota | $2,674 |
| Ohio | $2,092 |
| Oklahoma | $3,421 |
| Oregon | $3,088 |
| Pennsylvania | $2,794 |
| Rhode Island | $4,468 |
| South Carolina | $3,509 |
| South Dakota | $2,749 |
| Tennessee | $3,795 |
| Texas | $3,518 |
| Utah | $3,209 |
| Vermont | $2,079 |
| Virginia | $1,805 |
| Washington | $2,586 |
| West Virginia | $2,887 |
| Wisconsin | $2,849 |
| Wyoming | $2,218 |
| Georgia | $3,175 |
How To Save Money On Toyota Car Insurance?
Owning a Toyota includes several costs, with car insurance being one of the biggest. However, you can still find ways to save on your insurance. Here's how:
Keep a Clean Driving Record
Your driving history is a key factor for insurance companies when setting your premium. By avoiding accidents and traffic tickets, you show insurers that you’re a low-risk driver, which can significantly lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This not only makes managing your insurance easier but also saves you money on premiums.
Raise Your Deductible
Increasing your deductible—the amount you pay out of pocket before your insurance kicks in—can lower your premium. Just make sure you can afford the higher deductible if you have an accident.
Install Safety Features
Toyotas come with many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Insurance companies often offer discounts for things like being a good student, having a clean driving record, or completing a defensive driving course. Ask your insurer about any discounts you might qualify for.
Shop Around
Insurance premiums can vary widely between different providers. It’s important to compare quotes and choose the insurer that offers the best value for your needs.
Consider Usage-Based Insurance
If you don’t drive your Toyota often, think about usage-based insurance. This type of policy bases your premium on how much you drive, potentially saving you money if your Toyota isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Toyota Model To Insure?
At $5,974 per year, the Toyota Supra is the most expensive Toyota model for car insurance.
What Is The Cheapest Toyota Model To Insure?
The Toyota RAV4 is the cheapest model for car insurance, at $2,477 per year.
