Cost of Toyota Car Insurance (2025)

Toyota drivers pay an average of $144 per month for car insurance across all models.

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Elizabeth Rivelli
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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.

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Ashley Cox
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Cheapest recent rates

Insurify’s drivers have found rates ranging from $37/mo. to $130/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $196 for full coverage and $105 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 premiums 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
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.
9.4 /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.
$47/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.
$98/mo
4.9
Best choiceBased on 1,987 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,151)

Linda

April 27, 2025

Verified Review

Car

It has been very easy, and the customer service has been good.

James

April 26, 2025

Verified Review

Very poor

Very poor. I would never go back to them. They raised my rates by $30 to $50 every six months.

Tom

April 26, 2025

Verified Review

I made a choice that I'm not so sure was a smart move.

All done on the computer. Have not had any face-to-face or telecommunications with people. USAA wants to monitor personal driving habits of an individual who drives just about 30 miles a week, is an octogenarian, and rarely goes out. If there is no response to their monitoring, they hike the insurance rates automatically for "lack of monitoring."
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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 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 service and claims processing

Best for customer satisfaction: State Farm

User Reviews
4.2
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.
$55/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.
$117/mo
4.2
Best choiceBased on 10,736 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,879)

Stephen

April 28, 2025

Verified Review

State Farm Insurance Review

Easy and friendly.

Robert

April 28, 2025

Verified Review

Frustrated 😠

I'm overpaying for my age and miles driven. I average less than 6,000 miles a year. We bought the Fit new in 2010 and 15 years later we've put on 70,000 miles.

Marfaret

April 28, 2025

Verified Review

Very good and pleased

I've never had problems with them.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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 all 50 states, 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
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

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 /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.
$54/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.
$116/mo
4.1
Best choiceBased on 11,605 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,317)

Carmelo

April 28, 2025

Verified Review

Excellent

Expensive!

Joseph

April 28, 2025

Verified Review

I cannot seem to get a better rate through Geico even though I travel less than 5,000 miles a year. Even with the state minimum, I'm still paying more than I think I should have to.

I cannot seem to get a better rate through Geico even though I travel less than 5,000 miles a year. Even with the state minimum, I'm still paying more than I think I should have to.

Albert

April 28, 2025

Verified Review

Survey of GEICO

Very good; however, they raised the cost several times without explanation.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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

Cheapest recent rates

Insurify’s drivers have found rates ranging from $37/mo. to $116/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
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

Source: Alaska and Hawaii omitted due to insufficient data.

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:

  • Arizona

  • California

  • Colorado

  • Georgia

  • Illinois

  • Indiana

  • Missouri

  • Ohio

  • Oregon

  • South Carolina

  • Tennessee

  • Texas

  • Virginia

  • Wisconsin

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:

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    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.

  • 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 history, and driving record.

  • 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.

  • 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.

  • 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Reader's Digest. "These Are the 10 Cars That Are Most Likely to Get Stolen."
  2. Greencars.com. "Best-Selling Hybrid Cars."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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.

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