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Toyota insurance rates

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Average insurance cost for a Toyota

The average insurance cost for a Toyota across all models is $185 a month, or $2,220 a year. You might be surprised by those figures, which are similar to the averages for brands like Land Rover or Volkswagen. Toyota parts are easy to come by, and the manufacturer scores great safety ratings — both of which cut down on insurance costs. However, car thieves often target Toyotas, especially the popular Camry and Corolla. This makes car insurance more expensive overall.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
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Find your Toyota model

Get car insurance for your Toyota

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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How a Toyota affects the cost of insurance

Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.

Toyotas do well in safety test and aren’t costly to repair or replace, but they are often targeted by thieves, which increases the cost of insurance.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Toyota car insurance rates by model

Model Monthly insurance rate Base car price
4runner $227.00 $34,210
Avalon $170.00 $33,300
Camry $175.00 $23,070
Corolla $179.00 $18,500
Highlander $227.00 $30,630
Land Cruiser $162.00 $84,775
Mirai $220.00 $57,500
Prius $177.00 $23,475
Prius C $220.00 $20,150
Prius Prime $220.00 $27,100
Prius V $167.00 $26,675
RAV4 $167.00 $24,410
RAV4 Hybrid $220.00 $29,030
Sequoia $157.00 $45,560
Sienna $149.00 $29,750
Tacoma $142.00 $29,750
Tundra $135.00 $30,120
Yaris $181.00 $15,250
Yaris iA $220.00 $15,950

Toyota roadside assistance

New Toyotas get free roadside assistance for up to 2 years with no mileage restrictions. The Toyota roadside assistance service includes:

  • Towing up to 25 miles to the nearest Toyota dealership or the nearest Toyota dealer of your choice within 25 miles
  • Battery jump start
  • Flat tire change if you have a spare
  • Gas delivery if you run out of fuel, including 2 gallons of gas or 5 gallons of diesel
  • Lockout if you lost your key

To use Toyota roadside assistance, call Toyota’s 24/7 roadside hotline at 1-800-444-4195 or use the Toyota Owners 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
  • Not costly to repair or replace

Cons

  • High theft rates

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About the Toyota brand

Toyota was created in 1933 under the Toyoda 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 the largest automobile producer 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. Two of the manufacturer’s models, the Camry and Corolla, are on the National Insurance Crime Bureau’s “Hot Wheels” list of the 10 most-stolen vehicles in the US. This theft data drives up insurance premiums.
  • Though insurance might be expensive, you can find a Toyota for a great price. 2018 models start at affordable MSRPs: $23,495 for a Camry, $24,410 for a RAV4 and just $18,550 for a Corolla.

Toyota competitors

Looking for other car brands like Toyota? Compare all car makes

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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