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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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 $182 for full coverage and $103 for liability coverage.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
Best for customer satisfaction: State Farm
Best for drivers older than 25: GEICO
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.
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:
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.
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