Cost of Toyota Car Insurance (2026)
Toyota drivers pay an average of $144 per month for car insurance across all models.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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Toyota is consistently recognized as one of the top-selling auto manufacturers in the U.S. The company is known for its affordable and reliable vehicles, as well as its extensive lineup of hybrid and electric cars.
The average cost of Toyota car insurance is $188 per month for full coverage and $100 per month for minimum coverage. That’s similar to the U.S. national average rate, which is $187 for full coverage and $98 for liability coverage.
Quick Facts
The Toyota Sienna has some of the lowest average insurance premiums of any Toyota model.
The Toyota Corolla has the most expensive insurance rates, on average.
Toyota also offers its own insurance policies through the Toyota Auto Insurance program, though it’s only available in 14 states.
Cost of Toyota insurance by model
Car insurance rates vary for every driver based on factors like your location, age, discounts, and vehicle type. In the table below, you can see average full-coverage and liability-only quotes for some of Toyota’s most popular models.
Toyota Model | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| 4Runner | $162 | $86 |
| Camry | $203 | $108 |
| Corolla | $204 | $108 |
| Highlander | $171 | $91 |
| Land Cruiser | $162 | $86 |
| Prius | $171 | $91 |
| RAV4 | $173 | $92 |
| Sienna | $160 | $85 |
| Tacoma | $176 | $93 |
| Tundra | $180 | $95 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Cheapest Toyota insurance by model
If you’re shopping for a Toyota, getting car insurance quotes for several models can help you find the cheapest vehicle to insure. See which Toyotas have the lowest average insurance premiums.
Toyota 4Runner
The 2025 4Runner has an MSRP of $42,220, making it the most expensive Toyota model on this list. But the 4Runner also has the second-lowest average car insurance premiums out of the 10 Toyota models Insurify reviewed.
Below, you can see which companies offer the cheapest car insurance premiums for the 4Runner.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $83 | $40 |
| GEICO | $98 | $46 |
| State Farm | $99 | $46 |
| Allstate | $110 | $52 |
| Progressive | $128 | $83 |
| American Family | $128 | $59 |
| Nationwide | $152 | $73 |
| Travelers | $160 | $77 |
| Farmers | $195 | $92 |
| Liberty Mutual | $209 | $145 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Camry
The average cost of car insurance on a Toyota Camry is more expensive than the average rates for most other Toyota models. But the Camry is one of Toyota’s cheapest vehicles, with an MSRP ranging from $29,795 to $35,995 for the 2025 model. This difference in price between the vehicle and its insurance could be because the Camry is one of the nation’s most-stolen vehicles.[1]
See average Toyota Camry car insurance quotes from some of the top car insurance companies below.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $103 | $50 |
| GEICO | $122 | $57 |
| State Farm | $123 | $58 |
| Allstate | $137 | $64 |
| Progressive | $159 | $103 |
| American Family | $160 | $74 |
| Nationwide | $190 | $91 |
| Travelers | $200 | $96 |
| Farmers | $244 | $115 |
| Liberty Mutual | $261 | $181 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Corolla
The Corolla is the most affordable vehicle in Toyota’s lineup, with a starting MSRP of $21,977 for the 2025 model. Toyota also sells hybrid and hatchback Corolla models. Despite the car’s low sticker price, it’s one of Toyota’s more expensive vehicles to insure and, again, has high theft rates.
Here are the cheapest car insurance companies for the Toyota Corolla.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $104 | $50 |
| GEICO | $123 | $57 |
| State Farm | $124 | $58 |
| Allstate | $138 | $65 |
| Progressive | $160 | $104 |
| American Family | $161 | $74 |
| Nationwide | $191 | $91 |
| Travelers | $202 | $97 |
| Farmers | $245 | $116 |
| Liberty Mutual | $262 | $183 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Highlander
The Toyota Highlander is a full-size SUV with a starting MSRP of $41,270 for the 2025 LE. This vehicle comes in several different versions and trim levels with more features and higher costs. The Highlander is also one of the most affordable Toyota models to insure, as you can see in the table below.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $88 | $42 |
| GEICO | $104 | $48 |
| State Farm | $104 | $49 |
| Allstate | $116 | $54 |
| Progressive | $135 | $88 |
| American Family | $136 | $63 |
| Nationwide | $161 | $77 |
| Travelers | $170 | $81 |
| Farmers | $206 | $97 |
| Liberty Mutual | $221 | $154 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Land Cruiser
The 2025 Land Cruiser has an MSRP ranging from $58,150 for the 1958 trim to $62,920 for the Land Cruiser trim. It also has some of the lowest insurance rates for the models Insurify reviewed.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $83 | $40 |
| GEICO | $98 | $46 |
| State Farm | $99 | $46 |
| Allstate | $110 | $52 |
| Progressive | $128 | $83 |
| American Family | $128 | $59 |
| Nationwide | $152 | $73 |
| Travelers | $160 | $77 |
| Farmers | $195 | $92 |
| Liberty Mutual | $209 | $145 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Prius
The Toyota Prius is one of the top-selling hybrid vehicles in the U.S.[2] The 2025 Prius has a starting MSRP of $29,485, and it’s also affordable to insure.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $87 | $42 |
| GEICO | $103 | $48 |
| State Farm | $104 | $49 |
| Allstate | $116 | $54 |
| Progressive | $135 | $87 |
| American Family | $136 | $62 |
| Nationwide | $161 | $77 |
| Travelers | $169 | $81 |
| Farmers | $206 | $97 |
| Liberty Mutual | $220 | $153 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota RAV4
The Toyota RAV4 is one of the bestselling vehicles in the U.S. The 2025 model has a starting MSRP of $30,645, which makes it one of Toyota’s lowest-priced SUV models. Compared to other popular Toyotas, the RAV4 also has more affordable insurance premiums.
Below, you can see the cheapest car insurance companies for the RAV4.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $88 | $42 |
| GEICO | $105 | $49 |
| State Farm | $106 | $50 |
| Allstate | $117 | $55 |
| Progressive | $136 | $88 |
| American Family | $137 | $63 |
| Nationwide | $162 | $78 |
| Travelers | $172 | $82 |
| Farmers | $209 | $98 |
| Liberty Mutual | $223 | $155 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Sienna
The 2025 Sienna has an MSRP ranging from $40,635 for the LE trim to $57,595 for the Platinum trim. Of the Toyota models Insurify reviewed, the Sienna has the cheapest car insurance rates.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $82 | $39 |
| GEICO | $97 | $45 |
| State Farm | $98 | $46 |
| Allstate | $109 | $51 |
| Progressive | $126 | $82 |
| American Family | $127 | $58 |
| Nationwide | $150 | $72 |
| Travelers | $159 | $76 |
| Farmers | $193 | $91 |
| Liberty Mutual | $206 | $144 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Tacoma
The 2025 Toyota Tacoma clocks in with an MSRP ranging from $33,085 to $40,915 for the XtraCab and $35,285 to $54,050 for the Double Cab. That makes it the cheapest truck in Toyota’s lineup, and it also has relatively low insurance premiums compared to some other models. See which insurance companies have the lowest Tacoma rates in the table below.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $90 | $43 |
| GEICO | $106 | $49 |
| State Farm | $107 | $50 |
| Allstate | $119 | $56 |
| Progressive | $138 | $90 |
| American Family | $139 | $64 |
| Nationwide | $165 | $79 |
| Travelers | $174 | $83 |
| Farmers | $211 | $100 |
| Liberty Mutual | $226 | $157 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Toyota Tundra
The Toyota Tundra is a popular pickup truck, with a starting MSRP ranging from $42,035 to $52,215 for the 2025 Double Cab. The cost of car insurance on a Tundra is slightly more expensive compared to other models. Here, you can see which insurers have the cheapest car insurance premiums for the Toyota Tundra.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| USAA | $92 | $44 |
| GEICO | $109 | $51 |
| State Farm | $109 | $51 |
| Allstate | $122 | $57 |
| Progressive | $141 | $92 |
| American Family | $142 | $65 |
| Nationwide | $168 | $80 |
| Travelers | $178 | $85 |
| Farmers | $216 | $102 |
| Liberty Mutual | $231 | $161 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best companies for Toyota car insurance
The car insurance marketplace is highly saturated. Before you purchase car insurance for a Toyota, it’s a good idea to compare several insurers and get personalized rate quotes. These are a few of the best companies for insuring your Toyota:
Best for military members, veterans, and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.9
Best choiceBased on 4,304 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,694 USAA reviews
Verified Review
Reviewed in Kentucky on September 16, 2026
No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.
Verified Review
Reviewed in California on September 16, 2026
My rates went up by $1,000.
Verified Review
Reviewed in New Jersey on September 16, 2026
USAA used to be good, but now it’s way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA exclusively serves current and former members of the military and their immediate families and is the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more.
Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study.
Pros
High customer satisfaction
Low premiums
SafePilot telematics program rewards good driving with a discount of up to 30%
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for claims processing
Best for customer satisfaction: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
4.1
Best choiceBased on 21,158 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 8,128 State Farm reviews
Verified Review
Reviewed in Oregon on September 18, 2026
Great service, but it’s expensive.
Verified Review
Reviewed in Colorado on September 18, 2026
Rates go up, and State Farm avoids paying out claims.
Verified Review
Reviewed in Ohio on September 18, 2026
Very good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in 48 states and Washington, D.C., State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranks highly for customer satisfaction across most regions in the J.D. Power 2024 U.S. Auto Insurance Study.
Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
Gap insurance only available for State Farm Bank customers with an auto loan
May not be the cheapest choice for drivers with violations
Doesn‘t offer accident forgiveness
Best for drivers older than 25: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
4.0
Best choiceBased on 20,735 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 8,190 GEICO reviews
Verified Review
Reviewed in Florida on September 18, 2026
Geico is terrible. They have been overcharging me for quite some time. They told me it was because I was on an old plan.
Verified Review
Reviewed in New York on September 18, 2026
The ads show that the premium is less than GEICO, but I’m paying $321.
Verified Purchase
Reviewed in Florida on September 18, 2026
Easy to sign up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products.
The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints for a company of its size.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A++ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Recent quotes for other Insurify users
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $75/mo for full coverage.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average cost of Toyota insurance by state
Your location, down to your ZIP code, affects your car insurance costs.[3] The chart below shows average Toyota insurance costs across all models by state.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
|---|---|
| Alabama | $137 |
| Arizona | $168 |
| Arkansas | $247 |
| California | $232 |
| Colorado | $212 |
| Connecticut | $323 |
| Delaware | $237 |
| Florida | $222 |
| Georgia | $240 |
| Idaho | $121 |
| Illinois | $164 |
| Indiana | $139 |
| Iowa | $117 |
| Kansas | $159 |
| Kentucky | $209 |
| Louisiana | $214 |
| Maine | $145 |
| Maryland | $327 |
| Massachusetts | $172 |
| Michigan | $267 |
| Minnesota | $188 |
| Mississippi | $200 |
| Missouri | $186 |
| Montana | $160 |
| Nebraska | $169 |
| Nevada | $271 |
| New Hampshire | $109 |
| New Jersey | $172 |
| New Mexico | $153 |
| New York | $454 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $125 |
| Oklahoma | $172 |
| Oregon | $155 |
| Pennsylvania | $167 |
| Rhode Island | $142 |
| South Carolina | $260 |
| South Dakota | $125 |
| Tennessee | $144 |
| Texas | $228 |
| Utah | $177 |
| Vermont | $146 |
| Virginia | $185 |
| Washington | $154 |
| District of Columbia | $332 |
| West Virginia | $151 |
| Wisconsin | $128 |
| Wyoming | $115 |
How to get insurance through Toyota
Toyota offers its own insurance product, Toyota Auto Insurance, through a partnership with Toggle, which underwrites its policies. You can purchase this insurance coverage even if you don’t drive a Toyota vehicle.
The company offers a discount of 10% just for enrolling. It also offers discounts for loyalty, being a safe driver, getting good grades, and more. You can customize your coverage with add-on options. Pet Passenger coverage protects your pet if it’s injured in an accident, and Side Hustle Auto coverage helps cover you if you drive for a rideshare or food delivery company.
Toyota Auto Insurance is currently available in these 14 states:
How to ensure you have enough coverage on your Toyota
You need to carry a minimum amount of car insurance in every state except New Hampshire. But you can also purchase optional coverages that fill gaps in your standard policy and provide higher levels of protection. Here are some of the most common Toyota car insurance coverages:
Liability coverage
Liability insurance covers your legal and financial responsibilities when you cause an accident, and every state except New Hampshire requires it. Specifically, it pays for the other driver’s medical expenses if they get injured, as well as their vehicle damages or other property damage in an accident you cause.
Collision coverage
Collision insurance is optional. It pays for your vehicle’s damages after an accident you cause. Typically, the coverage limit for collision insurance is the actual cash value (ACV) of your vehicle. Most policies have a deductible that you pay out of pocket when you file a claim.
Comprehensive coverage
Comprehensive insurance is another optional coverage and is sometimes called “other than collision” coverage. It covers your vehicle’s repairs stemming from a non-collision incident. For example, it usually covers weather-related damage, fires, floods, theft, vandalism, and accidents with animals.
Gap insurance
Gap insurance, which stands for “guaranteed asset protection,” is an add-on endorsement for drivers who lease or finance their cars. If your Toyota is totaled in an accident and you owe more than your car’s value on the loan, this policy will help you pay off the remaining balance. An insurance agent can help you figure out whether gap insurance makes sense for your situation.
Toyota car insurance FAQs
If you still have questions about getting cheap Toyota car insurance, check out the answers below.
Which company has the cheapest Toyota insurance?
No one car insurance company has the cheapest Toyota insurance for all drivers. But USAA is the cheapest Toyota insurance company overall based on Insurify’s analysis of recent rate data. Keep in mind that the cost of Toyota insurance depends on many factors, like your location, vehicle model, age, credit-based insurance score, and driving record.
Are Toyotas expensive to insure?
Toyotas can be expensive to insure, but it depends on the model you have. The average cost of Toyota insurance is a little more expensive than the U.S. national average for all vehicles. You can find the most affordable Toyota insurance for your situation by comparing rates from multiple insurers.
How much does it cost to insure a Toyota Camry?
On average, Toyota Camry insurance costs $203 per month for full coverage and $108 per month for liability coverage. This means the Camry has the highest average auto insurance rates of the Toyota models presented here.
Does Toyota Auto Insurance have an app?
Currently, no mobile app exists for Toyota Auto Insurance customers. If you have car insurance through the Toyota Auto Insurance program, you can manage your policy, file claims, and make payments online.
Sources
- Reader's Digest. "These Are the 10 Cars That Are Most Likely to Get Stolen."
- Greencars.com. "Best-Selling Hybrid Cars."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Editor: Ashley CoxSenior Managing Editor
Editor: Ashley CoxSenior Managing Editor
Qualifications:
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.