If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
The average cost of Toyota car insurance is $2,765 a year or $230 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Toyota is $2,765 per year.
- The RAV4 is the cheapest Toyota model to insure.
- Advanced safety features that come standard on Toyota models help lower your insurance costs.
Average cost of car insurance for a Toyota, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Toyota vehicles compare among different insurers in the table below.
Cost to insure a Toyota, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,901 | $951 | $158 |
| GEICO | $2,241 | $1,120 | $187 |
| State Farm | $2,346 | $1,173 | $196 |
| Progressive | $2,474 | $1,237 | $206 |
| Nationwide | $2,501 | $1,251 | $208 |
| Allstate | $3,540 | $1,770 | $295 |
| Farmers | $3,764 | $1,882 | $314 |
| USAA | $1,990 | $995 | $166 |
Toyota average insurance rates, by model
Toyota RAV4 car insurance cost
Car insurance costs $201 per month or $2,414 a year on average for a Toyota RAV4, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for Toyota RAV4 among the companies analyzed. Its average annual cost for a Toyota RAV4 is $1,674 or $140 per month.
Toyota Corolla Cross car insurance cost
The average monthly car insurance premium for a Toyota Corolla Cross is $202 or $2,418 annually. Travelers is the most affordable company for a Toyota Corolla Cross owner, offering insurance at a monthly rate of just $141 or $1,694 per year.
Toyota RAV4 Hybrid car insurance cost
The average car insurance premium for Toyota RAV4 Hybrid is $208 per month, which translates to $2,499 per year. The most affordable company for a Toyota RAV4 Hybrid is Travelers with a rate of $137 monthly or $1,639 per year.
Toyota Corolla Cross Hybrid car insurance cost
Car insurance costs an average of $208 per month, which adds up to $2,500 a year for a Toyota Corolla Cross Hybrid. Among the companies analyzed, Travelers stands out as the most affordable option, at an average annual cost of $1,668 or $139 per month.
Toyota Tacoma car insurance cost
The average monthly car insurance premium for a Toyota Tacoma is $212 , which totals $2,542 annually. Travelers offers the cheapest rate at $147 per month or $1,761 annually.
Toyota Highlander car insurance cost
The average car insurance premium for Toyota Highlander is $218 per month, which translates to $2,622 per year. The most affordable company for a Toyota Highlander is Travelers with a rate of $153 monthly or $1,832 per year.
Insurance rates by car model
The average cost of car insurance for a Toyota, by age
Toyota car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Toyota insurance costs based on the driver’s age.
Cost to insure a Toyota, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Toyota 4Runner | $8,516 | $4,258 | $710 |
| 18 | Toyota bZ4X | $9,101 | $4,550 | $758 |
| 18 | Toyota Camry | $9,412 | $4,706 | $784 |
| 18 | Toyota Corolla | $9,061 | $4,531 | $755 |
| 18 | Toyota Corolla Cross | $7,886 | $3,943 | $657 |
| 18 | Toyota Corolla Cross Hybrid | $8,158 | $4,079 | $680 |
| 18 | Toyota Crown | $10,891 | $5,445 | $908 |
| 18 | Toyota Crown Signia | $10,113 | $5,056 | $843 |
| 18 | Toyota GR Corolla | $10,895 | $5,448 | $908 |
| 18 | Toyota GR Supra | $11,765 | $5,883 | $980 |
| 18 | Toyota GR86 | $11,545 | $5,773 | $962 |
| 18 | Toyota Grand Highlander | $9,195 | $4,597 | $766 |
| 18 | Toyota Grand Highlander Hybrid | $9,347 | $4,674 | $779 |
| 18 | Toyota Highlander | $8,426 | $4,213 | $702 |
| 18 | Toyota Highlander Hybrid | $8,980 | $4,490 | $748 |
| 18 | Toyota Land Cruiser | $10,016 | $5,008 | $835 |
| 18 | Toyota Prius | $9,523 | $4,762 | $794 |
| 18 | Toyota RAV4 | $7,817 | $3,909 | $651 |
| 18 | Toyota RAV4 Hybrid | $8,052 | $4,026 | $671 |
| 18 | Toyota Sequoia | $10,254 | $5,127 | $854 |
| 18 | Toyota Sienna | $8,934 | $4,467 | $745 |
| 18 | Toyota Tacoma | $8,260 | $4,130 | $688 |
| 18 | Toyota Tacoma Hybrid | $8,960 | $4,480 | $747 |
| 18 | Toyota Tundra | $8,996 | $4,498 | $750 |
| 18 | Toyota Tundra Hybrid | $10,171 | $5,086 | $848 |
Cost to insure a Toyota, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Toyota 4Runner | $2,636 | $1,318 | $220 |
| 40 | Toyota bZ4X | $2,768 | $1,384 | $231 |
| 40 | Toyota Camry | $2,889 | $1,444 | $241 |
| 40 | Toyota Corolla | $2,759 | $1,380 | $230 |
| 40 | Toyota Corolla Cross | $2,418 | $1,209 | $202 |
| 40 | Toyota Corolla Cross Hybrid | $2,500 | $1,250 | $208 |
| 40 | Toyota Crown | $3,360 | $1,680 | $280 |
| 40 | Toyota Crown Signia | $3,119 | $1,560 | $260 |
| 40 | Toyota GR Corolla | $3,346 | $1,673 | $279 |
| 40 | Toyota GR Supra | $3,564 | $1,782 | $297 |
| 40 | Toyota GR86 | $3,505 | $1,752 | $292 |
| 40 | Toyota Grand Highlander | $2,886 | $1,443 | $241 |
| 40 | Toyota Grand Highlander Hybrid | $2,920 | $1,460 | $243 |
| 40 | Toyota Highlander | $2,622 | $1,311 | $218 |
| 40 | Toyota Highlander Hybrid | $2,780 | $1,390 | $232 |
| 40 | Toyota Land Cruiser | $3,177 | $1,589 | $265 |
| 40 | Toyota Prius | $2,930 | $1,465 | $244 |
| 40 | Toyota RAV4 | $2,414 | $1,207 | $201 |
| 40 | Toyota RAV4 Hybrid | $2,499 | $1,249 | $208 |
| 40 | Toyota Sequoia | $3,194 | $1,597 | $266 |
| 40 | Toyota Sienna | $2,766 | $1,383 | $231 |
| 40 | Toyota Tacoma | $2,542 | $1,271 | $212 |
| 40 | Toyota Tacoma Hybrid | $2,779 | $1,389 | $232 |
| 40 | Toyota Tundra | $2,777 | $1,388 | $231 |
| 40 | Toyota Tundra Hybrid | $3,175 | $1,588 | $265 |
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Toyota car insurance rates by state
When it comes to insuring your Toyota, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Toyota car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,546 | $1,273 | $212 |
| Alabama | $2,341 | $1,171 | $195 |
| Arkansas | $3,134 | $1,567 | $261 |
| Arizona | $2,866 | $1,433 | $239 |
| California | $3,491 | $1,746 | $291 |
| Colorado | $3,271 | $1,636 | $273 |
| Connecticut | $3,159 | $1,579 | $263 |
| Washington, D.C. | $3,416 | $1,708 | $285 |
| Delaware | $3,080 | $1,540 | $257 |
| Florida | $3,299 | $1,650 | $275 |
| Georgia | $2,887 | $1,444 | $241 |
| Hawaii | $1,628 | $814 | $136 |
| Iowa | $2,336 | $1,168 | $195 |
| Idaho | $1,863 | $931 | $155 |
| Illinois | $2,354 | $1,177 | $196 |
| Indiana | $1,916 | $958 | $160 |
| Kansas | $2,658 | $1,329 | $221 |
| Kentucky | $3,159 | $1,580 | $263 |
| Louisiana | $4,676 | $2,338 | $390 |
| Massachusetts | $2,199 | $1,100 | $183 |
| Maryland | $2,920 | $1,460 | $243 |
| Maine | $1,753 | $877 | $146 |
| Michigan | $3,839 | $1,919 | $320 |
| Minnesota | $2,618 | $1,309 | $218 |
| Missouri | $2,644 | $1,322 | $220 |
| Mississippi | $3,038 | $1,519 | $253 |
| Montana | $2,523 | $1,261 | $210 |
| North Carolina | $2,449 | $1,224 | $204 |
| North Dakota | $2,290 | $1,145 | $191 |
| Nebraska | $2,855 | $1,427 | $238 |
| New Hampshire | $1,835 | $917 | $153 |
| New Jersey | $3,146 | $1,573 | $262 |
| New Mexico | $2,731 | $1,366 | $228 |
| Nevada | $3,714 | $1,857 | $310 |
| New York | $3,070 | $1,535 | $256 |
| Ohio | $1,878 | $939 | $156 |
| Oklahoma | $3,131 | $1,566 | $261 |
| Oregon | $2,455 | $1,228 | $205 |
| Pennsylvania | $2,648 | $1,324 | $221 |
| Rhode Island | $2,952 | $1,476 | $246 |
| South Carolina | $3,232 | $1,616 | $269 |
| South Dakota | $2,978 | $1,489 | $248 |
| Tennessee | $2,368 | $1,184 | $197 |
| Texas | $3,149 | $1,575 | $262 |
| Utah | $2,196 | $1,098 | $183 |
| Virginia | $2,310 | $1,155 | $192 |
| Vermont | $1,777 | $889 | $148 |
| Washington | $2,221 | $1,111 | $185 |
| Wisconsin | $2,574 | $1,287 | $215 |
| West Virginia | $2,445 | $1,222 | $204 |
| Wyoming | $2,103 | $1,051 | $175 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Toyota car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Toyota models to insure
Smaller, budget-friendly Toyota models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Toyota models to insure
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Toyota
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Toyota discounts on car insurance
To reduce the cost of your Toyota insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Toyota car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Toyota
Toyota Motor Corporation, established in 1937, is recognized for its high-quality and reliable vehicles. It’s the brainchild of Kiichiro Toyoda, who envisioned an automotive company that contributes to society. Since its inception, Toyota has continually launched a broad range of vehicles, spanning from fuel-efficient hybrids to robust pickup trucks.
Final thoughts on Toyota insurance costs
Toyota offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Toyota model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Toyota?
Your driving history is one of the many factors affecting your Toyota car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Toyota affect the insurance premium?
The color of your Toyota does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Toyota affect insurance costs?
Your Toyota’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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