How Much Does Toyota Car Insurance Cost?
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.
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.
Insurance Cost Per Toyota Model
| Toyota Model | Average Yearly Insurance Cost |
| Toyota 4Runner | $2,529 |
| Toyota Avalon | $3,291 |
| Toyota C-HR | $3,187 |
| Toyota Camry | $2,529 |
| 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.
Toyota Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| Travelers | $93 |
| Nationwide | $99 |
| GEICO | $89 |
| State Farm | $111 |
| Progressive | $109 |
| Allstate | $129 |
| Farmers | $128 |
Toyota Car Insurance Cost – 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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
