Toyota Insurance Rates

The average cost of car insurance for a Toyota model is about $1,645 per year.

This is $249 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 $1,448 $2,126 $2,487
Toyota Avalon Insurance Cost $1,756 $2,578 $3,016
Toyota Avalon Hybrid Insurance Cost $1,708 $2,508 $2,934
Toyota C-HR Insurance Cost $1,704 $2,502 $2,927
Toyota Camry Insurance Cost $1,444 $2,120 $2,480
Toyota Camry Hybrid Insurance Cost $1,658 $2,434 $2,848
Toyota Corolla Insurance Cost $1,764 $2,591 $3,031
Toyota Highlander Insurance Cost $1,604 $2,356 $2,756
Toyota Highlander Hybrid Insurance Cost $1,591 $2,337 $2,733
Toyota Land Cruiser Insurance Cost $1,812 $2,661 $3,113
Toyota Prius Insurance Cost $1,641 $2,410 $2,819
Toyota RAV4 Insurance Cost $1,410 $2,070 $2,422
Toyota Sequoia Insurance Cost $1,474 $2,164 $2,531
Toyota Sienna Insurance Cost $1,571 $2,307 $2,699
Toyota Supra Insurance Cost $2,384 $3,500 $4,095
Toyota Tacoma Insurance Cost $1,445 $2,122 $2,482
Toyota Tundra Insurance Cost $1,571 $2,307 $2,699
Toyota Venza Insurance Cost $1,702 $2,499 $2,923
Toyota Yaris Insurance Cost $1,563 $2,296 $2,685

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 $5,571 $8,180 $9,570
18 $5,192 $7,624 $8,918
19 $4,588 $6,737 $7,882
20 $4,001 $5,874 $6,873
21 $3,355 $4,926 $5,763
22 $3,267 $4,798 $5,613
23 $2,859 $4,198 $4,911
24 $2,716 $3,988 $4,666
25 $2,344 $3,442 $4,027
30 $1,826 $2,681 $3,136
35 $1,710 $2,511 $2,938
40 $1,645 $2,415 $2,825
45 $1,600 $2,350 $2,749
55 $1,468 $2,155 $2,521
65 $1,531 $2,248 $2,630
75 $1,932 $2,838 $3,320

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 $1,743 $2,531 $3,222
Alaska $1,441 $1,998 $1,942
Arizona $1,629 $2,356 $3,471
Arkansas $1,787 $2,807 $3,091
California $1,989 $3,518 $1,989
Colorado $1,856 $2,598 $3,296
Connecticut $2,372 $3,678 $4,669
Delaware $1,963 $2,617 $3,361
Florida $2,338 $3,234 $4,214
Georgia $1,906 $2,850 $2,874
Hawaii $761 $1,033 $761
Idaho $1,323 $1,753 $2,132
Illinois $1,384 $2,093 $2,386
Indiana $1,422 $2,174 $2,440
Iowa $1,127 $1,545 $1,817
Kansas $1,499 $2,181 $2,551
Kentucky $2,167 $3,180 $3,756
Louisiana $2,781 $4,204 $4,559
Maine $1,052 $1,454 $2,146
Maryland $1,702 $2,477 $2,752
Massachusetts $1,365 $2,381 $1,365
Michigan $3,294 $5,019 $7,917
Minnesota $1,356 $1,808 $2,546
Mississippi $1,637 $2,334 $2,350
Missouri $1,542 $2,205 $2,897
Montana $1,568 $2,188 $2,547
Nebraska $1,325 $1,960 $2,129
Nevada $2,186 $3,243 $3,425
New Hampshire $1,521 $2,405 $3,040
New Jersey $1,676 $2,629 $3,440
New Mexico $1,711 $2,545 $2,642
New York $1,585 $1,996 $3,332
North Carolina $983 $1,688 $1,204
North Dakota $1,344 $2,043 $2,417
Ohio $1,199 $1,849 $1,896
Oklahoma $1,914 $2,741 $3,086
Oregon $1,742 $2,337 $2,792
Pennsylvania $1,467 $2,154 $2,521
Rhode Island $2,450 $3,594 $4,047
South Carolina $1,664 $2,306 $3,182
South Dakota $1,493 $2,151 $2,482
Tennessee $1,755 $2,584 $3,442
Texas $1,768 $2,554 $3,177
Utah $1,504 $2,107 $2,900
Vermont $1,158 $1,783 $1,884
Virginia $1,091 $1,674 $1,641
Washington $1,444 $1,959 $2,340
West Virginia $1,453 $2,080 $2,606
Wisconsin $1,448 $2,261 $2,578
Wyoming $1,352 $1,893 $2,015