Car insurance for Toyotas

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If you drive a Toyota, you may be searching for the best auto insurance available for your vehicle. Whether you’re looking for the best customer service, best digital app experience or cheapest premiums, Bankrate’s analysis of the top car insurance providers for Toyotas can aid in your search.

The average cost of full coverage car insurance is $1,674 per year, according to Bankrate’s study of quoted annual premiums. However, your vehicle’s make and model and countless other factors such as location, credit score, driving history and age could affect the actual price you pay to insure your vehicle.

Models included in this review:

  • Toyota Corolla
  • Toyota Highlander
  • Toyota Prius
  • Toyota RAV4
  • Toyota Sienna
  • Toyota Tacoma
  • Toyota Tundra

How much does it cost to insure a Toyota?

While the average cost of full coverage car insurance is $1,674 per year according to the most recent premium data from Quadrant Information Services available, the make and model of your vehicle and other factors such as location and accident history can affect your premium.

A vehicle’s make and model can affect your rates because insurance companies view certain vehicles as riskier to insure than others. For instance, a faster vehicle may be riskier to insure because providers assume those drivers are more likely to participate in reckless driving behaviors. In contrast, vehicles equipped with safety equipment make deadly collisions less likely, meaning those vehicles are often cheaper to insure.

  • Price of parts: Toyotas typically have cheaper parts than their competitors, which could contribute to insurance premiums staying low. Cheaper parts mean cheaper repair costs, helping the insurer pay less for claims.
  • Safety features: Toyotas typically come equipped with a suite of safety features. Notably, Toyota’s “pre-collision system” uses lasers to detect objects in front of the vehicle. The car will warn the driver to brake and, if necessary, brake automatically.

Car insurance for Toyota: by model

While exact rates will vary for each driver based on personal factors, the following rates may be useful for the sake of comparison. Typically, the easiest way to see what you would pay is to use a provider’s online quote generator.

Car insurance for Toyota Corolla

With several trim packages to choose from and the option to purchase a hybrid, your rates for Toyota Corolla insurance may differ from the ones below. You may also qualify for safe car discounts on your premium, as your Toyota Corolla could come with lane stability alerts, pedestrian detection and a pre-collision system.

Corolla car insurance Average annual premium
Minimum coverage $531
Full coverage $1,695

Car insurance for Toyota Highlander

The average cost of auto insurance for Toyota Highlanders is slightly cheaper than the national average. You can purchase Toyota Highlanders with extensive safety features that could lower your premium even more, including a hefty pre-collision safety system that can detect objects in front of the vehicle and brake automatically.

Highlander car insurance Average annual premium
Minimum coverage $498
Full coverage $1,511

Car insurance for Toyota Prius

The Toyota Prius only comes in a hybrid option, but offers several different trim packages to make your Prius fit your needs and style. As hybrids become more common, some car insurance companies offer discounts if you choose the hybrid option when you buy a Toyota. However, as it stands, hybrids are typically more expensive to insure than other vehicles. The Prius was the most expensive Toyota model for full coverage insurance of the cars we analyzed in this article.

Prius car insurance Average annual premium
Minimum coverage $496
Full coverage $1,729

Car insurance for Toyota RAV4

The Toyota RAV4 comes in several trim options, including a hybrid with all-wheel drive. Though your rate will vary based on your driving history and the make and model of your drive, the most recent average premium data is listed below.

RAV4 car insurance Average annual premium
Minimum coverage $501
Full coverage $1,510

Car insurance for Toyota Sienna

For drivers who need a bigger vehicle, the Toyota Sienna minivan comes in several trim options, all of which are hybrid vehicles. Hybrid vehicles are typically a bit more costly to insure than traditional vehicles. However, the cost of insuring a Toyota Sienna remains close to the national averages for full and minimum coverage auto insurance.

Sienna car insurance Average annual premium
Minimum coverage $474
Full coverage $1,687

Car insurance for Toyota Tacoma

The Toyota Tacoma has three different trim package options, but does not yet have a hybrid model like some of the other Toyotas. However, that doesn’t mean you can’t still get great rates on car insurance. Full coverage car insurance for the Toyota Tacoma was the third cheapest of any Toyota model we analyzed in this article.

Tacoma car insurance Average annual premium
Minimum coverage $486
Full coverage $1,539

Car insurance for Toyota Tundra

Another truck offered by Toyota, the Tundra, also has three options for trim packages, but does not come in a hybrid. The standard Tundra comes equipped with a suite of safety features, including anti-lock brakes and traction control that could save you money on your premium. Even without discounts, purchasing full coverage insurance for your Tundra will likely only cost slightly more than the national average.

Tundra car insurance Average annual premium
Minimum coverage $508
Full coverage $1,716

Cheapest car insurance companies for Toyotas

Of the best auto insurance providers, Amica, Erie, Geico, State Farm and USAA offer some of the cheapest rates. However, keep in mind that actual insurance premiums vary for every driver. Each of the providers listed below allows customers to generate an online quote to see how much they’d pay for car insurance.

Average annual premium for full coverage by model

Car insurance company Corolla Highlander Prius RAV4 Sienna Tacoma
Amica $1,404 $1,167 $1,365 $1,185 $1,303 $1,225
Erie $1,251 $1,141 $1,316 $1,229 $1,247 $1,374
Geico $1,255 $1,230 $1,283 $1,028 $1,447 $1,188
State Farm $1,300 $1,384 $1,454 $1,358 $1,615 $1,374
USAA $1,052 $1,137 $1,198 $1,100 $1,324 $1,086

Toyota features that impact insurance costs

Vehicle features can affect insurance rates significantly. The following features on your Toyota could either raise or lower your premium:

  • Blind spot alert: Many Toyota models are equipped with Blind Spot Monitoring, which alerts drivers via side mirrors that another driver is in their blind spot.
  • Pre-collision system (PCS): Toyotas equipped with a PCS can alert drivers when an object is detected in front of their vehicle and will automatically brake to avoid a collision.
  • Pedestrian detector: Toyota models equipped with this feature can detect people in front of the vehicle and alert the driver to brake. If the driver does not take action, the car can automatically brake.
  • Stability control: This feature ensures that the vehicle stays on its intended path. If the driver’s hands slip off the steering wheel, the car can reduce its speed.

Other car insurance coverage for a Toyota

If you’re purchasing a new Toyota or have one that still has some value, you may want to consider higher liability limits than the minimum coverage offered by your state. In many states, you can be sued by the other driver if your car insurance doesn’t have enough coverage to pay for their injuries or property damage.

For instance, collision coverage will pay to fix your vehicle’s damages or replace your Toyota if you are at fault in a covered accident. Consider a deductible you can reasonably afford to pay if you’re involved in a collision. If your car is totaled and the book value is less than your loan or lease amount, gap insurance could pay the difference to your lender. If you live in a remote area, you may be interested in purchasing roadside assistance coverage. If your Toyota breaks down, you run out of gas or lock your keys in the vehicle, it can be relieving to have paid a bit extra for emergency roadside services.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota of the following model types, commute five days a week and drive 12,000 miles annually:

  • 2019 Toyota Corolla
  • 2019 Toyota Highlander
  • 2019 Toyota Prius
  • 2019 Toyota RAV4
  • 2019 Toyota Sienna
  • 2019 Toyota Tacoma
  • 2019 Toyota Tundra

These are sample rates and should only be used for comparative purposes.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor