Toyota Insurance Rates

The average cost of car insurance for a Toyota model is about $1,580 per year.

This is $207 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 $1,434 $2,106 $2,463
Toyota Avalon Insurance Cost $1,680 $2,467 $2,886
Toyota Avalon Hybrid Insurance Cost $1,634 $2,399 $2,807
Toyota C-HR Insurance Cost $1,630 $2,394 $2,800
Toyota Camry Insurance Cost $1,430 $2,100 $2,456
Toyota Camry Hybrid Insurance Cost $1,586 $2,329 $2,725
Toyota Corolla Insurance Cost $1,689 $2,480 $2,901
Toyota Highlander Insurance Cost $1,535 $2,255 $2,638
Toyota Highlander Hybrid Insurance Cost $1,522 $2,236 $2,615
Toyota Land Cruiser Insurance Cost $1,735 $2,547 $2,980
Toyota Prius Insurance Cost $1,570 $2,306 $2,697
Toyota RAV4 Insurance Cost $1,396 $2,050 $2,398
Toyota Sequoia Insurance Cost $1,459 $2,142 $2,506
Toyota Sienna Insurance Cost $1,489 $2,186 $2,557
Toyota Supra Insurance Cost $2,187 $3,211 $3,756
Toyota Tacoma Insurance Cost $1,431 $2,101 $2,458
Toyota Tundra Insurance Cost $1,489 $2,186 $2,557
Toyota Venza Insurance Cost $1,628 $2,391 $2,797
Toyota Yaris Insurance Cost $1,496 $2,196 $2,569

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 $5,352 $7,858 $9,193
18 $4,987 $7,323 $8,567
19 $4,407 $6,472 $7,571
20 $3,843 $5,643 $6,602
21 $3,223 $4,732 $5,536
22 $3,139 $4,609 $5,392
23 $2,746 $4,033 $4,718
24 $2,609 $3,831 $4,482
25 $2,252 $3,306 $3,868
30 $1,754 $2,576 $3,013
35 $1,643 $2,412 $2,822
40 $1,580 $2,320 $2,714
45 $1,537 $2,258 $2,641
55 $1,410 $2,070 $2,422
65 $1,471 $2,160 $2,526
75 $1,856 $2,726 $3,189

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 $1,674 $2,431 $3,095
Alaska $1,385 $1,919 $1,866
Arizona $1,565 $2,263 $3,334
Arkansas $1,716 $2,697 $2,969
California $1,911 $3,379 $1,911
Colorado $1,783 $2,495 $3,166
Connecticut $2,278 $3,533 $4,485
Delaware $1,886 $2,514 $3,229
Florida $2,246 $3,107 $4,048
Georgia $1,831 $2,738 $2,760
Hawaii $731 $993 $731
Idaho $1,271 $1,684 $2,048
Illinois $1,330 $2,010 $2,292
Indiana $1,366 $2,089 $2,344
Iowa $1,082 $1,484 $1,745
Kansas $1,440 $2,095 $2,450
Kentucky $2,081 $3,055 $3,608
Louisiana $2,672 $4,039 $4,379
Maine $1,010 $1,397 $2,062
Maryland $1,635 $2,380 $2,643
Massachusetts $1,311 $2,287 $1,311
Michigan $3,164 $4,822 $7,605
Minnesota $1,303 $1,736 $2,445
Mississippi $1,572 $2,243 $2,257
Missouri $1,481 $2,118 $2,783
Montana $1,506 $2,102 $2,446
Nebraska $1,273 $1,883 $2,046
Nevada $2,100 $3,115 $3,291
New Hampshire $1,461 $2,310 $2,920
New Jersey $1,610 $2,525 $3,304
New Mexico $1,644 $2,445 $2,538
New York $1,523 $1,917 $3,200
North Carolina $944 $1,622 $1,156
North Dakota $1,292 $1,963 $2,321
Ohio $1,152 $1,776 $1,821
Oklahoma $1,839 $2,633 $2,965
Oregon $1,673 $2,245 $2,682
Pennsylvania $1,410 $2,069 $2,421
Rhode Island $2,353 $3,452 $3,887
South Carolina $1,598 $2,215 $3,057
South Dakota $1,434 $2,066 $2,384
Tennessee $1,686 $2,482 $3,306
Texas $1,698 $2,453 $3,052
Utah $1,445 $2,024 $2,786
Vermont $1,112 $1,713 $1,810
Virginia $1,048 $1,609 $1,577
Washington $1,387 $1,882 $2,248
West Virginia $1,395 $1,998 $2,504
Wisconsin $1,391 $2,172 $2,477
Wyoming $1,299 $1,818 $1,936