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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Toyota car insurance rates fall below the U.S. national averages, at $104 per month for liability-only coverage and $193 per month for full coverage.
USAA, State Farm, and Allstate offer some of the cheapest coverage for Toyota drivers.
The Toyota Sienna has the lowest average liability premiums, at $88 per month, while the Toyota Camry is the most expensive model to insure, at $122 per month, on average.
Car insurance rates for Toyota vehicles can vary widely among insurance companies because each insurer evaluates risk, claims history, vehicle information, and driver profiles differently. As a result, the cheapest insurer for one driver may not be the cheapest for another, which is why comparison shopping is essential.
Below is a look at the average monthly premium for Toyota car insurance by company, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $79 |
| State Farm | $88 |
| Allstate | $112 |
| American Family | $119 |
| GEICO | $122 |
| CSAA | $134 |
| Nationwide | $144 |
| Progressive | $148 |
| Travelers | $151 |
| Farmers | $171 |
| Liberty Mutual | $204 |
| Amica | $384 |
Toyota drivers pay an average of $144 per month, but USAA and State Farm offer some of the lowest rates, coming in well below the brand’s overall average. Allstate and American Family also fall on the more affordable side for many Toyotas.
Next, let’s look at the costs of insuring the top Toyota models.
Comparing quotes can save you up to $867.†
The Toyota model you drive can influence your insurance costs. This is because insurers look at each model’s safety features, repair expenses, and theft rates when determining premiums.[1]
Here’s a look at average rates for the bestselling Toyota models of 2025, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| RAV4 | $106 | $171 |
| Camry | $122 | $225 |
| Tacoma | $106 | $185 |
| Corolla | $122 | $219 |
| Tundra | $115 | $182 |
| Grand Highlander | $119 | $223 |
| Sienna | $88 | $165 |
| All Toyota models | $113 | $192 |
Average Toyota RAV4 liability premium: $106 per month
Average Toyota RAV4 full-coverage premium: $171 per month
2026 Toyota RAV4 MSRP: Starting in the low $30,000 range[2]
The Toyota RAV4 is a compact SUV with a starting manufacturer’s suggested retail price (MSRP) in the low $30,000 range, making it a popular option for families and commuters. Because it’s not a luxury vehicle and generally performs well in safety evaluations, insurance premiums tend to be moderate compared to higher-priced SUVs.[3]
On average, RAV4 drivers pay $106 per month for basic liability coverage and $171 per month for full coverage.
The table below shows the cheapest car insurance companies for the Toyota RAV4, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $106 |
| GEICO | $109 |
Average Toyota Camry liability premium: $122 per month
Average Toyota Camry full-coverage premium: $225 per month
2026 Toyota Camry MSRP: Starting at $29,0004
The 2026 Toyota Camry starts at $29,000 and remains a popular midsize sedan thanks to its reliability and strong safety ratings. Even so, it’s currently one of the more expensive Toyota models to insure.
Liability premiums cost an average of $122 per month, and full-coverage premiums cost an average of $225 per month. Higher resale value and theft rates likely contribute to these elevated prices.[4]
We’ve listed the cheapest car insurance companies for the Toyota Camry below, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $131 |
| American Family | $140 |
| GEICO | $143 |
Average Toyota Tacoma liability premium: $106 per month
Average Toyota Tacoma full-coverage premium: $185 per month
2026 Toyota Tacoma MSRP: Starting at $33,7406
The 2026 Toyota Tacoma, starting at $33,740, is one of the most popular midsize pickup trucks available thanks to its durability and strong resale value. Insurance costs are relatively low for a truck of its size, with average liability premiums of $106 per month and full-coverage premiums of $185 per month.
Here are the five cheapest insurers for Tacoma drivers, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
Average Toyota Corolla liability premium: $122 per month
Average Toyota Corolla full-coverage premium: $219 per month
2026 Toyota Corolla MSRP: Starting at $22,725[5]
The 2026 Toyota Corolla has a starting MSRP of $22,725, and it’s one of the most reliable compact sedans on the market. The Corolla’s strong safety ratings and lower repair costs help keep insurance rates reasonable. Insurance for the Corolla averages $122 per month for liability-only coverage and $219 per month for full coverage.
You can find the most affordable coverage for your Corolla with the companies in the table below, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| State Farm | $100 |
| Allstate | $127 |
| American Family | $136 |
| GEICO | $140 |
Average Toyota Tundra liability premium: $115 per month
Average Toyota Tundra full-coverage premium: $182 per month
2026 Toyota Tundra MSRP: Starting at $41,260[6]
The 2026 Toyota Tundra starts at $41,260 and has the power and capability you’d expect from a full-size pickup. Though it comes with a higher price tag, insurance costs are moderate, with average liability premiums of $115 per month and full-coverage premiums of $182 per month. Strong safety features help keep its rates competitive.[7]
The table below highlights the cheapest car insurance companies for the Toyota Tundra, according to our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $83 |
| Allstate | $106 |
| American Family | $113 |
| GEICO | $116 |
Compare personalized quotes from dozens of top companies in minutes.
You might drive the same car, but every Toyota driver is unique, so don’t expect one car insurance company to be best for every driver. That’s because different driving histories, ages, and locations will affect your final costs.
Still, some car insurance companies stand out above the rest.
Below, we’ve identified three of the best companies for Toyota drivers based on a combination of average rates for Toyotas, available discounts, customer ratings and reviews, and coverage options. While these insurers may not end up being the right choice for you, it’s a great place to start your search.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| 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. | $100/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. | $184/mo |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers some of the cheapest car insurance rates for Toyota drivers, with an average monthly rate of only $83. The company has a superior financial strength rating from AM Best and numerous coverages, so it’s a great option for drivers looking to save money without sacrificing quality.[8]
But Travelers falls a bit short when it comes to customer satisfaction, according to J.D. Power.[9]
Plenty of discounts
New-car replacement protection
Accident forgiveness available
Limited rideshare coverage
Some discounts not available in every state
Below-average customer service
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| 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. | $111/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. | $211/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers is one of the best car insurance companies for Toyota drivers looking for discounts. It offers nearly 20. You can save with loyalty, good student, and safe driver discounts, among many others.
Farmers also has a lower-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.[10]
Many discounts
High claim satisfaction
Numerous coverage options
Not available in every state
More expensive than similar competitors
Customer service isn’t available 24/7
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| 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. | $96/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. | $178/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide is among the most affordable for Toyota car insurance. And you can save even more by enrolling in the company’s SmartRide or SmartMiles program.
The company also has an expansive agent network across the country, making it easy for policyholders to get in touch with customer service.
Nationwide ranked fourth for claims satisfaction by J.D. Power and has low complaints on the NAIC Index.[11]
Ranks No. 1 for usage-based insurance
Strong agent network
Flexible coverage options
Fewer discounts than some competitors
Below-average customer satisfaction in most regions
Not available in every state
Insurance companies consider your location when setting your car insurance rates. Every state, city, and even ZIP code has different risks that affect what you’ll pay for coverage, including theft rates, weather patterns, crime, and repair costs.
Check out the table below to see how average car insurance rates for Toyotas vary across the country, according to our research.
State | Average Monthly Premium |
|---|---|
| Alabama | $126 |
| Arizona | $134 |
| Arkansas | $145 |
| California | $164 |
| Colorado | $164 |
| Connecticut | $228 |
| Delaware | $191 |
| Florida | $178 |
| Georgia | $204 |
| Hawaii | $101 |
| Idaho | $84 |
| Illinois | $127 |
| Indiana | $104 |
| Iowa | $86 |
| Kansas | $119 |
| Kentucky | $158 |
| Louisiana | $171 |
| Maine | $112 |
| Maryland | $243 |
| Massachusetts | $121 |
| Michigan | $184 |
| Minnesota | $139 |
| Mississippi | $121 |
| Missouri | $145 |
| Montana | $119 |
| Nebraska | $115 |
| Nevada | $203 |
| New Hampshire | $70 |
| New Jersey | $216 |
| New Mexico | $116 |
| New York | $176 |
| North Carolina | $71 |
| North Dakota | $93 |
| Ohio | $99 |
| Oklahoma | $137 |
| Oregon | $122 |
| Pennsylvania | $129 |
| Rhode Island | $176 |
| South Carolina | $196 |
| South Dakota | $110 |
| Tennessee | $114 |
| Texas | $175 |
| Utah | $120 |
| Vermont | $115 |
| Virginia | $143 |
| Washington | $136 |
| Washington D.C. | $252 |
| West Virginia | $118 |
| Wisconsin | $97 |
| Wyoming | $90 |
Alaska omitted due to insufficient data
Driver age plays a major role in determining Toyota car insurance premiums. Younger drivers typically pay more for coverage because they have less driving experience and get into more car accidents. Older drivers tend to get lower rates because they have more experience and usually have safer driving habits.
Here’s how average Toyota car insurance premiums compare by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $294 |
| Adult drivers | $153 |
| Senior drivers | $132 |
Your driving record also has a direct effect on your Toyota car insurance rates. Insurers charge higher premiums when you have traffic violations or claims because these incidents indicate a greater likelihood of future accidents. A clean record generally earns the lowest rates, while driving under the influence (DUI), speeding tickets, and at-fault accidents can significantly increase costs.
Here’s what Toyota drivers with different driving records pay on average, according to our research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $153 |
| Speeding ticket | $205 |
| At-fault accident | $219 |
| DUI | $257 |
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Several factors influence how much you’ll pay to insure a Toyota beyond the model itself. Safety ratings, repair costs, and trim levels all play a role in determining your monthly premium. Here’s how each category affects what you pay.
Toyotas generally perform well in crash tests, with models like the RAV4, Camry, Highlander, and Tundra frequently earning top safety scores from the National Highway Traffic Safety Administration. Strong safety performance helps insurers view these vehicles as lower risk, which can contribute to more affordable rates.
Most Toyotas benefit from widely available parts and relatively affordable repair costs. Thanks to that and the brand’s large U.S. presence and its reputation for reliability, insurance pricing tends to be more affordable for many models.
Your Toyota’s trim levels influence insurance prices. If you drive a model with higher trims, which usually include more expensive components, advanced technology, and upgraded materials, you’ll pay higher insurance rates.
For example, insurance for a fully equipped RAV4 Hybrid Limited or TRD Off-Road Tacoma may cost more than its base equivalents. More expensive trims can also increase claim payouts, leading insurers to charge higher premiums.
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To protect your Toyota and manage repair costs if something goes wrong, consider adding these key coverages to your policy:
Liability insurance covers injuries and property damage you cause to others. Since most states require liability coverage, it helps protect your budget from costly claims resulting from an at-fault accident.
Collision and comprehensive insurance cover damage to your Toyota resulting from crashes, theft, vandalism, weather, and other incidents. Lenders and leasing companies often require collision and comprehensive coverage.
Personal injury protection (PIP) and medical payments insurance cover medical expenses for you and your passengers, providing added protection even if you’re not at fault. Depending on where you live, your state may require it.
Uninsured/underinsured motorist coverage (UM/UIM) protects you if a driver with too little or no insurance hits your Toyota. Some states require UM/UIM coverage.
Rental reimbursement helps pay for a rental car so you can stay mobile while your Toyota is in the shop.
Compare personalized quotes and find the best insurer for your Toyota.
Finding the right car insurance for your Toyota doesn’t have to be difficult. Take a look at these answers to some of the most commonly asked questions about Toyota auto insurance.
On average, it costs $149 per month to insure a Toyota, according to Compare.com data. Toyota drivers pay an average of $104 per month for liability coverage and $193 per month for full coverage.
Not really. With an average monthly rate of $149, Toyotas are slightly cheaper than the national average of $150 per month, according to our data.
The Toyota Highlander is the cheapest model to insure, with an average monthly rate of $136, according to our data. Highlander drivers pay an average of $96 per month for liability coverage and $177 per month for full coverage.
No single car insurance company will be the best option for every Toyota driver. The best car insurance for you depends on your personal needs and unique driver profile. But a few companies that stand out above the rest for cost and quality include Travelers, Farmers, and Nationwide.
Our research shows that USAA offers the cheapest rates for Toyota drivers, with an average premium of $79 per month. If you aren’t eligible for a USAA membership, State Farm offers the next-cheapest rates, with an average monthly premium of $88.
Keep in mind that your rates may vary from the typical premiums, so it’s still crucial that you shop around and compare coverage options and pricing from several insurers.
Toyota RAV4 owners pay an average of $106 per month for basic liability coverage and $171 per month for full coverage, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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