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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 costs an average of $149 per month — slightly below the national average of $150 for all vehicles. Among the top-selling car brands in the United States, Toyotas are some of the most reliable vehicles on the market.[1] Toyota also consistently demonstrates strong safety ratings.[2] Both of these factors can lead to cheaper car insurance.
If you’re on the market for Toyota auto insurance, it’s important to compare quotes from at least three insurers before buying a policy. Here’s everything you need to know to secure the cheapest rates.
Travelers is the cheapest car insurance company for Toyota owners, with average rates of just $83 per month.
North Carolina drivers pay the cheapest rates for Toyota auto insurance, while New York drivers pay the most.
The Toyota Highlander is the cheapest Toyota to insure, but the Toyota 86 has the highest average premiums.
How much you end up paying to insure your Toyota depends on several factors, such as your age, location, driving history, and the coverage you choose. The table below shows the overall average by coverage and how that rate compares to the national average for all other vehicles, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Toyota | $104 | $193 | $149 |
| All makes | $106 | $194 | $150 |
Liability insurance will almost always be cheaper than full coverage because it provides less protection. While liability coverage is all you need legally, you should probably consider full coverage.
Fortunately for Toyota owners, coverage is only a dollar or two less than the average rate for all makes.
Comparing quotes can save you up to $867.†
The Toyota model you drive can affect your car insurance rates. That’s because different models have varying safety features, repair costs, and claim frequencies, and insurers consider all of these factors and more when setting rates.
Your coverage choice also plays a role in how much you pay. Basic liability insurance covers only the other driver’s damage. But most auto insurance experts recommend full coverage, which typically includes collision and comprehensive insurance in addition to liability.
Full coverage gives you more robust protection and covers your own vehicle damage after car accidents and non-collision incidents like theft and vandalism.
The table shows how average rates vary between Toyota models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium | Average Overall Premium |
|---|---|---|---|
| 86 | $191 | $354 | $272 |
| 4Runner | $97 | $180 | $139 |
| Avalon | $107 | $197 | $152 |
| Camry | $113 | $210 | $162 |
| C-HR | $113 | $209 | $161 |
| Corolla | $114 | $211 | $163 |
| Corolla Cross | $130 | $240 | $185 |
| Crown | $147 | $273 | $210 |
| Highlander | $96 | $177 | $136 |
| Prius | $103 | $190 | $146 |
| Prius Prime | $123 | $227 | $175 |
| RAV4 | $98 | $180 | $139 |
| RAV4 Prime | $125 | $232 | $178 |
| Sienna | $97 | $179 | $138 |
| Supra | $174 | $322 | $248 |
| Tacoma | $97 | $180 | $139 |
| Tundra | $100 | $184 | $142 |
| Venza | $106 | $196 | $151 |
| All Toyota models | $104 | $193 | $149 |
The Highlander is the cheapest Toyota model to insure, with an average full-coverage premium of $177 per month. On the other end of the spectrum, the most expensive Toyota model to insure is the 86, with full-coverage averaging $354.
Keep in mind that these are just averages, and plenty of insurers offer much lower rates, which we’ll dive into in the following section.
Regardless of the average rates for Toyotas, you can always find ways to save on your policy. Several car insurance companies offer cheaper rates, and you likely qualify for multiple discounts that can further reduce your costs.
Check out the table below for a glimpse of the five cheapest companies for Toyotas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $83 |
| Farmers | $85 |
| Nationwide | $88 |
| SafeAuto | $94 |
| Clearcover | $97 |
Travelers offers the cheapest average premium for Toyotas, at $83 per month. But Farmers and Nationwide aren’t far behind, averaging $85 and $88, respectively.
Remember that these are average rates, so these insurers might not be the cheapest option for you. Comparing quotes is the best way to find a good deal for your situation. Let’s take a look at the best car insurance companies for different types of Toyota drivers.
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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.
Compare.com Rating: 4.23 out of 5
Plenty of discounts
New-car replacement protection
Accident forgiveness available
Limited rideshare coverage
Some discounts not available in every state
Below-average customer service
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.[3]
But Travelers falls a bit short when it comes to customer satisfaction, according to J.D. Power.[4]
Compare.com Rating: 3.98 out of 5
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
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.[5]
Compare.com Rating: 4.88 out of 5
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
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.[6]
Compare personalized quotes and find the best rate in minutes.
Insurance companies consider your location when setting your car insurance rates, too. 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 | $98 |
| Arizona | $131 |
| Arkansas | $188 |
| California | $189 |
| Colorado | $154 |
| Connecticut | $299 |
| Delaware | $182 |
| Florida | $192 |
| Georgia | $195 |
| Idaho | $99 |
| Illinois | $122 |
| Indiana | $106 |
| Iowa | $89 |
| Kansas | $120 |
| Kentucky | $192 |
| Louisiana | $177 |
| Maine | $117 |
| Maryland | $270 |
| Massachusetts | $148 |
| Michigan | $230 |
| Minnesota | $148 |
| Mississippi | $148 |
| Missouri | $144 |
| Montana | $119 |
| Nebraska | $138 |
| Nevada | $234 |
| New Hampshire | $90 |
| New Jersey | $156 |
| New Mexico | $114 |
| New York | $378 |
| North Carolina | $73 |
| North Dakota | $114 |
| Ohio | $100 |
| Oklahoma | $127 |
| Oregon | $126 |
| Pennsylvania | $128 |
| Rhode Island | $113 |
| South Carolina | $215 |
| South Dakota | $95 |
| Tennessee | $111 |
| Texas | $174 |
| Utah | $143 |
| Vermont | $107 |
| Virginia | $142 |
| Washington | $110 |
| District of Columbia | $223 |
| West Virginia | $114 |
| Wisconsin | $100 |
| Wyoming | $95 |
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While you want an affordable insurance rate for your Toyota, it’s also equally important to have adequate coverage that suits your needs. First, you’ll need to have at least state-minimum liability coverage (except in New Hampshire).
Liability car insurance pays for the other driver’s damages and injuries, but it won’t pay for your own. If you drive your Toyota only occasionally, have an older model that’s not worth much, or can afford to pay for damages out of pocket, basic liability may be all you need.
That said, full coverage is typically a good choice for most drivers, especially if you lease or have a loan on your Toyota. It adds collision and comprehensive insurance but may also include coverages like uninsured/underinsured motorist and personal injury protection.
Collision coverage pays for damages to your vehicle after a collision with another car or object, such as a tree. Comprehensive coverage, on the other hand, pays for damages to your vehicle from non-collision events, such as severe weather or car theft.
Other coverages you may want to consider include:
Original equipment manufacturer (OEM) parts coverage: Ensures mechanics use genuine Toyota parts whenever possible to repair your vehicle so that it maintains its performance, safety, and resale value.[7]
Gap insurance: Adding gap coverage will pay off your car loan if you total your Toyota and you owe more than its worth.
Hybrid coverage: If you drive a hybrid Toyota, consider specialized hybrid coverage that goes beyond a standard policy. It can cover high-cost components, like your battery pack, electric motor, powertrain system, and damage from public charging stations.[8]
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Finding the best car insurance for your Toyota can sometimes come in conflict with finding the cheapest car insurance. Fortunately, all Toyota owners have access to a few ways to save on coverage without sacrificing quality. Consider the following tips:
Maintain a clean driving record. A clean driving record is one of the best ways to keep rates low. Don’t give insurers any reason to raise your rates. Drive defensively, follow the speed limit, and consider investing in a dash cam.
Apply for discounts. Car insurance discounts are your best friend when it comes to keeping your rates low. Most companies offer several discounts, and it’s likely that you’ll qualify for at least one or two — just ask.
Bundle your policies. Another great way to get cheap car insurance is to buy two or more policies with the same insurer. For example, many insurers will give you a discount for purchasing both auto insurance and home or renters insurance from the same company.
Increase your deductible. Raising your car insurance deductible will automatically lower your monthly premium. With a higher deductible, your insurer is on the hook for fewer costs, but be sure you can afford to pay more out of pocket if you file a claim.
Compare car insurance quotes: Shopping around and comparing quotes from multiple companies is one of the best ways to get cheaper car insurance. Consider doing so every six months to a year.
Compare personalized quotes and find the insurer best suited to 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 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.
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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