Toyota insurance rates

Average insurance for Toyotas

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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, which can make car insurance more expensive overall.

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

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Find your Toyota model

Get car insurance rates for your Toyota

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

How much does it cost to insure a Toyota?

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
  • Cheap to repair or replace

Cons

  • High theft rates

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

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.
  • 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.

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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site