Toyota Insurance Rates

The average cost of car insurance for a Toyota model is about $1,759 per year.

This is $308 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 $1,575 $2,346 $2,774
Toyota Avalon Insurance Cost $1,846 $2,750 $3,250
Toyota Avalon Hybrid Insurance Cost $1,795 $2,674 $3,161
Toyota C-HR Insurance Cost $1,791 $2,668 $3,154
Toyota Camry Insurance Cost $1,459 $2,173 $2,568
Toyota Camry Hybrid Insurance Cost $1,744 $2,597 $3,070
Toyota Corolla Insurance Cost $1,856 $2,765 $3,268
Toyota Highlander Insurance Cost $1,688 $2,514 $2,972
Toyota Highlander Hybrid Insurance Cost $1,673 $2,492 $2,945
Toyota Land Cruiser Insurance Cost $2,115 $3,150 $3,724
Toyota Prius Insurance Cost $1,726 $2,570 $3,038
Toyota RAV4 Insurance Cost $1,534 $2,286 $2,702
Toyota Sequoia Insurance Cost $1,603 $2,388 $2,823
Toyota Sienna Insurance Cost $1,636 $2,437 $2,881
Toyota Supra Insurance Cost $2,733 $4,071 $4,813
Toyota Tacoma Insurance Cost $1,572 $2,342 $2,768
Toyota Tundra Insurance Cost $1,636 $2,437 $2,881
Toyota Venza Insurance Cost $1,789 $2,665 $3,151
Toyota Yaris Insurance Cost $1,643 $2,447 $2,893

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 $5,957 $8,873 $10,489
18 $5,552 $8,269 $9,775
19 $4,906 $7,308 $8,638
20 $4,278 $6,372 $7,532
21 $3,587 $5,344 $6,317
22 $3,494 $5,204 $6,152
23 $3,057 $4,554 $5,383
24 $2,904 $4,326 $5,114
25 $2,506 $3,733 $4,413
30 $1,952 $2,908 $3,438
35 $1,829 $2,724 $3,220
40 $1,759 $2,620 $3,097
45 $1,711 $2,549 $3,013
55 $1,569 $2,338 $2,764
65 $1,637 $2,439 $2,883
75 $2,066 $3,078 $3,638

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 $1,863 $2,610 $3,267
Alaska $1,541 $2,245 $2,352
Arizona $1,742 $2,703 $3,854
Arkansas $1,910 $2,894 $3,237
California $2,127 $3,720 $2,127
Colorado $1,985 $2,748 $3,428
Connecticut $2,536 $3,921 $5,022
Delaware $2,099 $2,891 $3,837
Florida $2,500 $3,395 $4,426
Georgia $2,038 $3,141 $3,223
Hawaii $814 $1,123 $814
Idaho $1,414 $1,904 $2,370
Illinois $1,480 $2,188 $2,538
Indiana $1,521 $2,377 $2,774
Iowa $1,205 $1,807 $2,106
Kansas $1,603 $2,359 $2,795
Kentucky $2,317 $3,485 $4,099
Louisiana $2,974 $4,545 $4,894
Maine $1,125 $1,508 $2,201
Maryland $1,820 $2,668 $3,151
Massachusetts $1,459 $2,468 $1,459
Michigan $3,522 $5,295 $8,141
Minnesota $1,450 $1,947 $2,883
Mississippi $1,750 $2,644 $2,793
Missouri $1,649 $2,271 $2,938
Montana $1,677 $2,624 $2,894
Nebraska $1,417 $2,006 $2,282
Nevada $2,338 $3,529 $3,871
New Hampshire $1,626 $2,621 $3,338
New Jersey $1,792 $2,825 $3,644
New Mexico $1,830 $2,633 $2,957
New York $1,695 $2,207 $3,563
North Carolina $1,051 $1,696 $1,307
North Dakota $1,438 $2,213 $2,809
Ohio $1,282 $2,096 $2,172
Oklahoma $2,047 $3,074 $3,486
Oregon $1,863 $2,813 $3,227
Pennsylvania $1,569 $2,373 $2,723
Rhode Island $2,620 $4,020 $4,597
South Carolina $1,779 $2,575 $3,674
South Dakota $1,596 $2,196 $2,635
Tennessee $1,877 $2,808 $3,543
Texas $1,890 $2,782 $3,492
Utah $1,608 $2,325 $3,207
Vermont $1,238 $1,979 $2,164
Virginia $1,166 $1,756 $1,866
Washington $1,544 $2,319 $2,735
West Virginia $1,553 $2,262 $2,793
Wisconsin $1,548 $2,261 $2,745
Wyoming $1,446 $2,124 $2,375