Toyota Insurance Rates

The average cost of car insurance for a Toyota model is about $1,818 per year.

This is $407 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Toyota insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Toyota insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Toyota Model

Model Good Driver Recent Accident Poor Credit
Toyota 4Runner Insurance Cost $1,478 $2,170 $2,538
Toyota Avalon Insurance Cost $1,917 $2,815 $3,293
Toyota Avalon Hybrid Insurance Cost $1,865 $2,739 $3,204
Toyota C-HR Insurance Cost $1,860 $2,731 $3,195
Toyota Camry Insurance Cost $1,474 $2,164 $2,531
Toyota Camry Hybrid Insurance Cost $1,810 $2,658 $3,110
Toyota Corolla Insurance Cost $1,927 $2,829 $3,310
Toyota Highlander Insurance Cost $1,752 $2,572 $3,009
Toyota Highlander Hybrid Insurance Cost $1,738 $2,551 $2,985
Toyota Land Cruiser Insurance Cost $1,980 $2,907 $3,401
Toyota Prius Insurance Cost $1,791 $2,630 $3,077
Toyota RAV4 Insurance Cost $1,438 $2,111 $2,470
Toyota Sequoia Insurance Cost $1,571 $2,307 $2,699
Toyota Sienna Insurance Cost $1,716 $2,519 $2,947
Toyota Supra Insurance Cost $3,473 $5,100 $5,966
Toyota Tacoma Insurance Cost $1,475 $2,165 $2,533
Toyota Tundra Insurance Cost $1,716 $2,519 $2,947
Toyota Venza Insurance Cost $1,858 $2,728 $3,192
Toyota Yaris Insurance Cost $1,708 $2,508 $2,934

The cost to insure a Toyota model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Toyota, then see our insurance analysis and rankings for other makes and models here.

Toyota Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,158 $9,043 $10,579
18 $5,739 $8,427 $9,859
19 $5,072 $7,448 $8,713
20 $4,422 $6,494 $7,597
21 $3,709 $5,446 $6,371
22 $3,612 $5,304 $6,205
23 $3,160 $4,641 $5,429
24 $3,002 $4,409 $5,158
25 $2,591 $3,805 $4,451
30 $2,018 $2,964 $3,467
35 $1,890 $2,776 $3,247
40 $1,818 $2,670 $3,123
45 $1,769 $2,598 $3,039
55 $1,623 $2,382 $2,787
65 $1,693 $2,485 $2,907
75 $2,136 $3,137 $3,670

Toyota auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Toyota models by state.

Average Toyota Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,926 $2,798 $3,561
Alaska $1,593 $2,209 $2,147
Arizona $1,801 $2,604 $3,837
Arkansas $1,975 $3,103 $3,417
California $2,199 $3,888 $2,199
Colorado $2,052 $2,872 $3,644
Connecticut $2,622 $4,066 $5,161
Delaware $2,170 $2,892 $3,715
Florida $2,584 $3,575 $4,659
Georgia $2,107 $3,150 $3,176
Hawaii $842 $1,143 $842
Idaho $1,462 $1,938 $2,356
Illinois $1,530 $2,313 $2,638
Indiana $1,572 $2,404 $2,697
Iowa $1,245 $1,708 $2,008
Kansas $1,657 $2,411 $2,819
Kentucky $2,395 $3,516 $4,152
Louisiana $3,075 $4,648 $5,039
Maine $1,163 $1,607 $2,373
Maryland $1,881 $2,738 $3,042
Massachusetts $1,509 $2,632 $1,509
Michigan $3,641 $5,548 $8,752
Minnesota $1,499 $1,998 $2,814
Mississippi $1,809 $2,581 $2,597
Missouri $1,705 $2,437 $3,202
Montana $1,733 $2,419 $2,815
Nebraska $1,465 $2,167 $2,354
Nevada $2,417 $3,585 $3,787
New Hampshire $1,681 $2,658 $3,360
New Jersey $1,852 $2,906 $3,803
New Mexico $1,891 $2,814 $2,921
New York $1,752 $2,206 $3,683
North Carolina $1,086 $1,866 $1,331
North Dakota $1,486 $2,259 $2,671
Ohio $1,325 $2,044 $2,096
Oklahoma $2,116 $3,030 $3,412
Oregon $1,926 $2,584 $3,086
Pennsylvania $1,622 $2,382 $2,786
Rhode Island $2,708 $3,973 $4,473
South Carolina $1,839 $2,549 $3,518
South Dakota $1,650 $2,378 $2,744
Tennessee $1,941 $2,857 $3,804
Texas $1,954 $2,823 $3,512
Utah $1,662 $2,329 $3,205
Vermont $1,280 $1,971 $2,083
Virginia $1,206 $1,851 $1,814
Washington $1,596 $2,166 $2,586
West Virginia $1,606 $2,300 $2,881
Wisconsin $1,601 $2,499 $2,850
Wyoming $1,494 $2,092 $2,228