The Toyota Hilux is a pick-up truck that has been available from this Japanese manufacturer since 1968. Its early editions were rarely found on the road, as they were seen as more of an off-road vehicle, but now, as well as being powerful and reliable, the new generations of the Hilux are faster and more refined. The cost of ownership might be a stumbling block, but that’s not surprising for a pick-up truck. In this guide, we’ll explore how much it costs to insure a Toyota Hilux based on the specific model version and the demographics of the driver.
What insurance group does the Toyota Hilux fall under?
All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps determine the cost of your premium. You’ll find a Toyota Hilux in insurance groups 41 to 50, meaning they’re among the most expensive cars to insure. As an example, a 30-year-old driver in an average postcode could pay around £1,776 for cover on a Toyota Hilux Invincible 2.4 D-4D 150 DIN hp Double Cab that is in insurance group 41 or around £2,537 for a Toyota Hilux Icon 2.4 D-4D 150 DIN hp Double Cab that is in insurance group 50.
These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
Toyota Hilux insurance cost by location
Among the factors that affect the cost of your car insurance premium, one of the most important is your location.
Here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota Hilux Active 2.4 D-4D 150 DIN hp.
Expensive: £5,637 (London SE1)
Average: £2,531 (Newcastle NE1)
Cheap: £2,332 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Which factors affect my Toyota Hilux insurance rate?
Here are some of the other key factors that have a big impact on your insurance premium costs:
Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £9,638 for insurance for a Toyota Hilux Invincible X 2.4 D-4D 150 DIN hp Double Cab, while you may pay £5,145 for a Toyota Hilux Icon 2.4 D-4D 150 DIN hp Double Cab.
Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £5,145 for insurance for a Toyota Hilux Icon 2.4 D-4D 150 DIN hp Double Cab, while the same 30-year-old in Newcastle may only pay £2,537.
Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £31,513 for the Toyota Hilux Invincible X 2.4 D-4D 150 DIN hp Double Cab, while the average 40-year-old Londoner will only pay £8,001.
Other factors that influence the cost of your insurance include the following:
Car insurance is expensive for this vehicle, but there are ways to keep costs down. Here are some ideas to help you lower the cost of your premium.
Limit your annual mileage (where possible). If you can occasionally walk or use public transport, rather than using your car, this can help to save on your premium.
Pay annually rather than monthly. Some insurers charge interest on monthly payments. When you pay annually, you avoid the possibility of being charged this interest.
Install extra safety precautions. This makes your car safer and reduces the risk of you making a claim on your premium. That’s why many insurers are happy to lower your premium when you do so.
Shop around for the best deal every year. Don’t just settle for the renewal price given to you. You’ll usually find a better deal on price comparison websites by switching to a competitor each year.
Facts about the Toyota Hilux
There have been 8 generations of this vehicle produced since 1968.
The Hilux has different names in different parts of the world. These alternative names are the Tacoma, Surf and the 4Runner.
Bottom line
A pick-up truck with this much power will always cost a lot to insure. But, with our tips, you should be able to keep costs down.
Frequently asked questions
Depending on the model version, you can expect a Toyota Hilux to reach a top speed of 105 miles per hour.
In its Euro NCAP crash tests, this vehicle achieved a 3-star rating out of 5. This rating included an 85% rating for protecting adult occupants and 82% for protecting child occupants.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Toyota Hilux from dealerships, online sellers or a current owner.
All reviews of the Toyota Hilux tend to say the same thing. It’s praised for being a powerful off-road vehicle, but it’s widely agreed that it’s still not as comfortable to drive as some of its competitors.
You can compare the costs of Toyota Hilux car insurance using any price comparison website.
The Toyota Hilux can be found in insurance groups ranging from 48 to 50. This means they’re among the most expensive cars to insure.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
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Danny has written 368 Finder guides across topics including:
Read our comprehensive guide and find out how much it may cost you to insure a Toyota Yaris and how to save on your car insurance premiums.
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