When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Toyota car insurance is $2,422 a year or $202 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 $2,422 per year.
- The Corolla Cross 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 vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Toyota car insurance rates from various insurance companies.
Cost to insure a Toyota, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $2,016 | $1,008 | $168 |
| State Farm | $2,044 | $1,022 | $170 |
| Nationwide | $2,075 | $1,037 | $173 |
| Progressive | $2,171 | $1,086 | $181 |
| Farmers | $3,084 | $1,542 | $257 |
| Allstate | $3,247 | $1,624 | $271 |
Toyota average insurance rates, by model
Toyota Corolla Cross car insurance cost
Car insurance cost for a Toyota Corolla Cross is $172 per month or $2,066 a year, based on CarInsurance.com’s rate analysis. Geico offers the most affordable car insurance rates for a Toyota Corolla Cross at an average monthly cost of $141 or $1,694 yearly.
Toyota RAV4 car insurance cost
The average monthly car insurance premium for a Toyota RAV4 is $174 or $2,085 annually. State Farm is the most affordable company for a Toyota RAV4 owner, offering insurance at a monthly rate of just $139 or $1,671 per year.
Toyota RAV4 Hybrid car insurance cost
The average car insurance premium for Toyota RAV4 Hybrid is $182 per month, which translates to $2,189 per year. The most affordable company for a Toyota RAV4 Hybrid is State Farm with a rate of $149 monthly or $1,782 per year.
Toyota Corolla Cross Hybrid car insurance cost
The average car insurance premium for Toyota Corolla Cross Hybrid is $185 per month, which translates to $2,218 per year. The most affordable company for a Toyota Corolla Cross Hybrid is Geico with a rate of $146 monthly or $1,746 per year.
Toyota Venza car insurance cost
Car insurance cost for a Toyota Venza is $2,240 a year or $187 monthly. If you own a Toyota Venza, Geico has the cheapest car insurance rates with an average annual premium of $1,826 or $152 per month.
Toyota Highlander car insurance cost
The average car insurance premium for Toyota Highlander is $188 per month, which translates to $2,253 per year. The most affordable company for a Toyota Highlander is Progressive with a rate of $139 monthly or $1,672 per year.
Insurance rates by car model
The average cost of car insurance for a Toyota, by driver age
Your age is an important rating factor in determining your Toyota car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Toyota by 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 | $8,318 | $4,159 | $693 |
| 18 | Toyota bZ4X | $9,938 | $4,969 | $828 |
| 18 | Toyota Camry | $8,876 | $4,438 | $740 |
| 18 | Toyota Corolla | $9,029 | $4,514 | $752 |
| 18 | Toyota Corolla Cross | $7,661 | $3,830 | $638 |
| 18 | Toyota Corolla Cross Hybrid | $8,182 | $4,091 | $682 |
| 18 | Toyota Crown | $10,272 | $5,136 | $856 |
| 18 | Toyota GR Corolla | $11,485 | $5,742 | $957 |
| 18 | Toyota GR Supra | $11,932 | $5,966 | $994 |
| 18 | Toyota GR86 | $11,499 | $5,750 | $958 |
| 18 | Toyota Grand Highlander | $8,810 | $4,405 | $734 |
| 18 | Toyota Grand Highlander Hybrid | $9,143 | $4,571 | $762 |
| 18 | Toyota Highlander | $8,187 | $4,093 | $682 |
| 18 | Toyota Highlander Hybrid | $8,588 | $4,294 | $716 |
| 18 | Toyota Land Cruiser | $12,190 | $6,095 | $1,016 |
| 18 | Toyota Mirai | $11,206 | $5,603 | $934 |
| 18 | Toyota Prius | $8,986 | $4,493 | $749 |
| 18 | Toyota Prius Prime | $9,774 | $4,887 | $814 |
| 18 | Toyota RAV4 | $7,671 | $3,835 | $639 |
| 18 | Toyota RAV4 Hybrid | $8,036 | $4,018 | $670 |
| 18 | Toyota Sequoia | $10,323 | $5,161 | $860 |
| 18 | Toyota Sienna | $8,271 | $4,135 | $689 |
| 18 | Toyota Tacoma | $8,626 | $4,313 | $719 |
| 18 | Toyota Tundra | $8,630 | $4,315 | $719 |
| 18 | Toyota Tundra Hybrid | $9,980 | $4,990 | $832 |
| 18 | Toyota Venza | $8,218 | $4,109 | $685 |
Cost to insure a Toyota, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Toyota 4Runner | $2,260 | $1,130 | $188 |
| 40 | Toyota bZ4X | $2,699 | $1,350 | $225 |
| 40 | Toyota Camry | $2,400 | $1,200 | $200 |
| 40 | Toyota Corolla | $2,399 | $1,200 | $200 |
| 40 | Toyota Corolla Cross | $2,066 | $1,033 | $172 |
| 40 | Toyota Corolla Cross Hybrid | $2,218 | $1,109 | $185 |
| 40 | Toyota Crown | $2,871 | $1,435 | $239 |
| 40 | Toyota GR Corolla | $3,130 | $1,565 | $261 |
| 40 | Toyota GR Supra | $3,140 | $1,570 | $262 |
| 40 | Toyota GR86 | $3,025 | $1,512 | $252 |
| 40 | Toyota Grand Highlander | $2,442 | $1,221 | $204 |
| 40 | Toyota Grand Highlander Hybrid | $2,515 | $1,258 | $210 |
| 40 | Toyota Highlander | $2,253 | $1,126 | $188 |
| 40 | Toyota Highlander Hybrid | $2,328 | $1,164 | $194 |
| 40 | Toyota Land Cruiser | $3,475 | $1,738 | $290 |
| 40 | Toyota Mirai | $3,064 | $1,532 | $255 |
| 40 | Toyota Prius | $2,415 | $1,207 | $201 |
| 40 | Toyota Prius Prime | $2,666 | $1,333 | $222 |
| 40 | Toyota RAV4 | $2,085 | $1,043 | $174 |
| 40 | Toyota RAV4 Hybrid | $2,189 | $1,094 | $182 |
| 40 | Toyota Sequoia | $2,839 | $1,420 | $237 |
| 40 | Toyota Sienna | $2,304 | $1,152 | $192 |
| 40 | Toyota Tacoma | $2,345 | $1,173 | $195 |
| 40 | Toyota Tundra | $2,357 | $1,179 | $196 |
| 40 | Toyota Tundra Hybrid | $2,755 | $1,377 | $230 |
| 40 | Toyota Venza | $2,240 | $1,120 | $187 |
Toyota car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Toyota car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Toyota car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,273 | $1,136 | $189 |
| Alabama | $2,271 | $1,136 | $189 |
| Arkansas | $2,513 | $1,257 | $209 |
| Arizona | $2,334 | $1,167 | $195 |
| California | $3,067 | $1,534 | $256 |
| Colorado | $3,177 | $1,588 | $265 |
| Connecticut | $2,515 | $1,258 | $210 |
| Washington, D.C. | $2,857 | $1,429 | $238 |
| Delaware | $2,384 | $1,192 | $199 |
| Florida | $2,922 | $1,461 | $244 |
| Georgia | $3,112 | $1,556 | $259 |
| Hawaii | $1,528 | $764 | $127 |
| Iowa | $2,037 | $1,018 | $170 |
| Idaho | $1,610 | $805 | $134 |
| Illinois | $2,380 | $1,190 | $198 |
| Indiana | $2,168 | $1,084 | $181 |
| Kansas | $2,526 | $1,263 | $211 |
| Kentucky | $2,979 | $1,489 | $248 |
| Louisiana | $3,931 | $1,965 | $328 |
| Massachusetts | $2,119 | $1,060 | $177 |
| Maryland | $2,216 | $1,108 | $185 |
| Maine | $1,735 | $867 | $145 |
| Michigan | $3,126 | $1,563 | $261 |
| Minnesota | $2,674 | $1,337 | $223 |
| Missouri | $2,970 | $1,485 | $247 |
| Mississippi | $2,461 | $1,230 | $205 |
| Montana | $2,510 | $1,255 | $209 |
| North Carolina | $2,092 | $1,046 | $174 |
| North Dakota | $2,165 | $1,083 | $180 |
| Nebraska | $2,604 | $1,302 | $217 |
| New Hampshire | $1,831 | $915 | $153 |
| New Jersey | $2,338 | $1,169 | $195 |
| New Mexico | $2,523 | $1,261 | $210 |
| Nevada | $2,322 | $1,161 | $193 |
| New York | $1,816 | $908 | $151 |
| Ohio | $1,708 | $854 | $142 |
| Oklahoma | $2,619 | $1,309 | $218 |
| Oregon | $2,324 | $1,162 | $194 |
| Pennsylvania | $2,531 | $1,265 | $211 |
| Rhode Island | $2,833 | $1,417 | $236 |
| South Carolina | $2,243 | $1,122 | $187 |
| South Dakota | $2,873 | $1,437 | $239 |
| Tennessee | $2,617 | $1,308 | $218 |
| Texas | $3,394 | $1,697 | $283 |
| Utah | $1,979 | $990 | $165 |
| Virginia | $1,775 | $887 | $148 |
| Vermont | $1,773 | $886 | $148 |
| Washington | $2,116 | $1,058 | $176 |
| Wisconsin | $1,848 | $924 | $154 |
| West Virginia | $2,336 | $1,168 | $195 |
| Wyoming | $2,514 | $1,257 | $210 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Toyota car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Toyota models to insure
Opting for smaller, less costly Toyota models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade 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.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on 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 Toyota 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 generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
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 makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
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 June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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