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Toyota insurance rates

Compare car insurance rates for different Toyota models.

How much does it cost to insure a Toyota?

The average insurance cost for a Toyota across all models is $281 a month, or $3,369 a year. You might be surprised by those figures because the manufacturer scores great safety ratings, which you would expect would help cut down on insurance costs. However, car thieves often target Toyotas, especially the popular Highlander, increasing car insurance costs overall.

Other factors that affect the cost of insurance include replacement costs, overall damage susceptibility the model type, mileage and trim package. Personal factors like your driving history, gender and age also play roles.

Find your Toyota model

Toyota car insurance rates by model

Model Monthly insurance rate Base car price
4runner $307 $46,200
Avalon $313 $43,350
Camry $297 $27,250
Corolla $285 $19,350
Highlander $301 $40,450
Prius $270 $28,850
Prius Prime $255 $33,550
RAV4 $262 $28,590
RAV4 Hybrid $265 $32,950
Sequoia $296 $70,150
Sienna $280 $39,990
Tacoma $256 $38,350
Tundra $266 $47,010

Get car insurance rates for your Toyota

1 - 4 of 4
Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Yes
$1,000,000
Up to 25%
Alberta, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Onlia Car Insurance
Yes
$1,000,000
Over $500*
Ontario
Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options.

Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.
Aviva Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.
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Toyota roadside assistance

New Toyotas get free roadside assistance for up to 3 years with no mileage restrictions. The Toyota roadside assistance service includes:

  • Towing up to 50 km to your preferred Toyota dealer or to the closest dealer within 300 km
  • Battery jump start
  • Flat tire change if you have a spare
  • Gas delivery of up to 5 litres if you run out of fuel
  • Lockout if you lost your key

To use Toyota roadside assistance, call Toyota’s 24/7 roadside hotline at 1-888-869-6828 or use the Toyota App. If you have the Enhanced Roadside Assistance feature on Toyota’s Safety Connect, your vehicle’s location will be sent automatically to Toyota when you use the SOS button.

New Toyota drivers can skip adding this coverage to a car insurance policy. Drivers with older Toyotas that no longer have roadside warranty coverage can add on roadside assistance to your car insurance policy to benefit from roadside help when you need it.

Pros and cons of insuring a Toyota

Pros

  • Great safety ratings
  • Cheap to repair or replace

Cons

  • Higher theft rates

About the Toyota brand

Toyota was created in 1933 under the Toyota Automatic Loom Works umbrella. The Toyota Group still operates in the textile space today, although most consumers know it as a car manufacturer.

Toyota consistently ranks as one of the largest automobile producers in the world, buoyed by ever-popular models like the Camry and Corolla.

What’s Toyota Entune?

Entune is Toyota’s multimedia system. Features include an app suite, hands-free calling and navigation. With Entune drivers can get updates on their vehicle’s health, lock and unlock the doors remotely, and connect up to five devices to Wi-Fi.

Toyota car facts

  • Toyotas are excellent picks if you want a safe ride: The manufacturer’s vehicles generally score good safety ratings from the Insurance Institute for Highway Safety (IIHS). As you might imagine, this helps lower insurance premiums.
  • On the flip side, Toyotas are often targeted by car thieves. One of the manufacturer’s models, the Highlander, is on the Insurance Bureau of Canada’s “Top 10 Stolen Vehicles” list of 2020. This theft data drives up insurance premiums.
  • Though insurance might be expensive, you can find a Toyota for a great price. 2021 models start at affordable MSRPs like $19,350 for the Corolla and $23,950 for the CH-R.
  • Lexus is a sub-brand of Toyota, and some cars have been released under both brands. For example, the Lexus GS was sold in the 90s as the Toyota Aristo in Japan.

Bottom line

Because of the high theft rate of some Toyota models, you might pay more for insurance. But Toyotas’ good safety ratings help to temper costs. To find the best rates, compare all your car insurance options.

Frequently asked questions about Toyota insurance

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