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Toyota Insurance Cost
Toyota Insurance Cost
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (50+ insurance companies) to find the best and cheapest car insurance for Toyota
Compare rates
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Since Honda’s U.S. debut in 1959, its name has become synonymous with practicality, reliability, and versatility. From hatchbacks and sedans to SUVs, trucks, and vans, there’s a Honda model for every driver out there.
Toyota drivers pay an average of {X} per year for
auto insurance
—but every Toyota car insurance policy is unique. Jerry, the trusted auto insurance broker that {X} Toyota drivers use to find cheap car insurance, has all the facts on Toyota insurance.How much does Toyota car insurance cost?
We spent {X} hours analyzing {X} Toyota insurance quotes from our customers in the last year. According to our expert analysis, the average Toyota insurance cost is {X} per month.
Jerry Insurance Agency: The go-to for Savvy Toyota Drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
January 29, 2025 | Toyota RAV4 Limited | Progressive | $94 | Eddie, 29 | • State Minimum Liability • Comp / Collision |
January 28, 2025 | Toyota RAV4 LE | Allstate | $190 | Leon, 28 | • 100,000/300,000 Liability • Comp / Collision |
January 26, 2025 | Toyota Tacoma Double Cab | Safeco | $99 | Alvin, 32 Independence, OR | • 50,000/100,000 Liability • Comp / Collision |
January 18, 2025 | Toyota RAV4 XLE | Travelers | $114 | Callie, 36 | • 50,000/100,000 Liability • Comp / Collision |
January 12, 2025 | Toyota Camry LE | AAA | $86 | Christine, 26 Lawrenceburg, IN | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 29, 2025Compared to the national average for other car manufacturers, Toyota vehicles are {more/less} expensive to insure.
Many factors play a role in determining your Honda insurance cost, such as the car year, car model, and driving history—meaning there’s no such thing as an ‘average’
auto insurance quote
. Jerry helps you to easily compare personalized quotes, saving you time and money. Jerry has helped {X} Toyota drivers save an average of {X} on their car insurance. That’s a lot of savings!
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
What's on this page?
- How much does Toyota car insurance cost?
- Jerry Insurance Agency: The go-to for Savvy Toyota Drivers.
- Best car insurance companies for Toyota drivers
- Insurance costs for popular Toyota models
- Are Toyota more expensive to insure?
- Cheapest Toyota to insure
- Most expensive Toyota to insure
- What factors affect Toyota car insurance rates?
- Toyota insurance cost for drivers with driving violations
- How can I lower the cost of my Toyota car insurance?
- FAQs
- Methodology
Load full table of contents
Best car insurance companies for Toyota drivers
There is no single best insurance company for drivers since the best company for you will depend on your driving record, location, insurance history, and age along with the vehicle you drive. Jerry’s conducted the largest survey in the nation to help people compare car insurance companies.
Check out how Toyota drivers rate different insurance companies below.
Best car insurance companies for Toyota drivers
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
Safeco | 4.6 | 4.4 | 4 | 4.5 |
Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
USAA | 4 | 3.5 | 4.5 | 4.2 |
State Farm | 4 | 3.4 | 3.8 | 4.2 |
Farmers | 4 | 3.4 | 4.1 | 3.9 |
Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
Insurance costs for popular Toyota models
Auto insurance costs are influenced by what Toyota model you drive. Your rate depends in part on:
- Safety features: Honda models with higher safety ratings, like the Honda Accord, CR-V, and Odyssey, tend to have lower insurance costs.
- Vehicle value: The more your car is worth, the more it’ll cost to insure. That’s why the high-performanceCivic Type Rhas higher insurance costs than a basicCivic EX.
- Vehicle class: Compact SUVs like the CR-V and HR-V are the least costly to insure, while electric and hybrid vehicles, sports cars, and large sedans tend to cost the most.
- Engine size: Cars with a ton of horsepower come with a higher risk of speeding and violations—not to mention serious accidents. The Honda Pilot’s 285-horsepower V6 engine contributes to its higher insurance costs compared to the otherwise similar Honda Passport.
- Availability of replacement parts: If you drive a Honda that’s less common or harder to source components for—such as a hybrid or electric vehicle or a very old model—your insurance costs may be higher.
- Cost of repairs: Expensive vehicles, hybrids, and Honda’s upcoming electric fleet will all cost more to repair—and insure—than popular models like the CR-V and Civic.
Check out the table below to see the average cost of auto insurance for some popular {Honda} models.
Popular Toyota Models Insurance Costs
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
$98 | $183 | |
$95 | $176 | |
$86 | $152 | |
$92 | $166 | |
$82 | $148 | |
$95 | $166 | |
$93 | $162 |
Minimum coverage insurance
is the minimum amount of coverage legally required in your state and typically includes low amounts of basic liability insurance
, including both bodily injury and property damage liability. Full-coverage insurance
, on the other hand, includes collision
and comprehensive coverage
and provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident. Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive is a great insurance company. Very pleased so far
Julie
Always friendly and ready to help
Lauren
Very quick and easy process and saved me over $150. Thanks Jerry!
Tristin
"I am flabbergasted by the fine work that Gainsco has offered me! I am satisfied with the coverage & I highly recommend Gainsco"
Bobbie
Toyota insurance costs
The Honda Civic is one of the best selling-vehicles in the country thanks to its low MSRP, unparalleled reliability, and fantastic safety ratings. On average, Toyota insurance costs {X1} per year for full coverage and {X2} per year for state minimum coverage.
The trim level also factors into the cost of your Honda insurance. Trim levels are different versions of a car model that include different features. For example, there are four trim levels for the 2023 Honda Civic sedan: the LX, Sport, EX, and Touring.
- LX: Starting at $23,750, the 2023 Honda Civic LX features standard driver assistance aids, a 158-hp engine, and a four-speaker audio system.
- Sport: Starting at $25,350, the 2023 Honda Civic Sport adds 18-inch gloss alloy wheels, improved fuel economy, paddle shifters, and a leather-wrapped steering wheel.
- EX: Starting at $26,200, the 2023 Honda Civic EX upgrades to a 180-hp turbocharged engine with a power moonroof, heated front seats, and peak fuel economy.
- Touring: Starting at $30,350 the 2023 Honda Civic Touring maxes out with a multi-angle blindspot rear view camera, wireless Apple CarPlay and Android Auto, and a Bose premium sound system.
Repair and replacement costs for premium trim levels like the EX and Touring tend to be higher, making them a higher risk to insurance companies. Check out the table below to see the average cost of auto insurance for some popular Toyota trims.
In the table below, you’ll find real quotes for real people from Jerry.
[AverageInsuranceTable]: insurance data empty
Cheap quotes Jerry found for Toyota drivers
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Toyota RAV4 XLE | Travelers | $114 | Billy, 36 | • 50,000/100,000 Liability • Comp / Collision |
| Toyota RAV4 LE | Allstate | $190 | George, 28 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota Camry LE | AAA | $86 | Lura, 26 Lawrenceburg, IN | • 50,000/100,000 Liability • Comp / Collision |
| Toyota Camry LE | National General | $168 | Millie, 23 | • State Minimum Liability |
| Toyota Corolla LE | Mercury | $294 | Johanna, 34 Bermuda Dunes, CA | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025The Honda Accord got some of the best safety ratings and fuel-efficiency ratings across its many configurations and trims. Fancier versions of the Honda Accord will have higher MSRPs that can drive up costs, but they also often have advanced security systems and safety features that lower their risk rating.
According to our data, the average Toyota insurance policy costs {X}. But remember, quotes can vary greatly depending on factors such as your driving history, car year, trim level, and more. The cost of your insurance also depends on what type of coverage you’re looking for.
Some Toyota trim levels will be more expensive to insure than others, from the base LX to the Touring Hybrid. The trim levels available for the 2023 model year are:
- LX: Starting at $27,295, the 2023 Honda Accord LX comes with standard driver assistance tech, basic Apple CarPlay compatibility, and a 192-hp turbocharged engine.
- EX: Starting at $29,060, the 2023 Honda Accord EX features luxury touches like heated front seats and a power moonroof.
- Sport Hybrid: Starting at $31,345, the 2023 Honda Accord Sport Hybrid upgrades to a 204-hp hybrid powertrain, wireless smartphone compatibility, and a leather-wrapped steering wheel.
- EX-L Hybrid: Starting at $32,990, the 2023 Honda Accord EX-L Hybrid gets the best fuel economy of any Accord model, along with leather-trimmed heated front seats and front and rear parking sensors.
- Sport-L Hybrid: Starting at $33,325, the 2023 Honda Accord Sport-L Hybrid adds 19-inch wheels to the EX-L model—but loses the parking sensors.
- Touring Hybrid: Starting at $37,340, the 2023 Honda Accord Touring Hybrid offers heated and ventilated front seats, a built-in voice control system, rain-sensing windshield wipers, and a 12-speaker premium audio system.
<table 4>
<table 5>
Are Toyota more expensive to insure?
Compared with average, Hondas cost {more/less/about the same amount} to insure.
Average insurance cost of popular car makes!
Average insurance cost of popular car makes
Cheapest Toyota to insure
The cheapest Toyota model to insure is the {year}{Honda}{model name}, with an average monthly premium of {X2} for state minimum coverage and an average of {X1} for full coverage.
The cheapest Toyota models to insure
Cheapest
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
$78 | $200 | |
2020 Toyota Prius | $78 | $191 |
2017 Toyota 4Runner | $78 | $143 |
2020 Toyota 4Runner | $78 | $148 |
2018 Toyota Tundra | $78 | $161 |
Most expensive Toyota to insure
The most expensive Toyota model to insure is {year}{Honda}{model}, with an average monthly premium of {Y2} for state minimum coverage and an average of {Y1} for full coverage.
Most Expensive
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
$145 | $246 | |
2020 Toyota Sienna | $145 | $189 |
2016 Toyota Sienna | $145 | $162 |
2016 Toyota 4Runner | $145 | $159 |
2022 Toyota Prius | $142 | $209 |
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.
What factors affect Toyota car insurance rates?
- Vehicle cost: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Vehicle age: Often, newer models also cost more to insure due to new tech and higher value.
- Cost of parts: High-value or less common models will have higher replacement and repair costs, making them a greater risk to insurance companies.
- Your age: Drivers younger than 25 will pay higher insurance rates due to limited driving experience. On the flip side, senior drivers above the age of 70 may also face increased insurance rates.
- Your driving record and claims history: Insurance companies will reward those with a clean driving record with lower insurance rates, but individuals with a history of car accidents, tickets, and driving violations will typically pay higher rates.
- Where you keep your car: Insurance costs differ based on where you keep your car since road conditions, population density, theft rates, and other risk factors vary from state to state and city to city.
Here are a few specific factors that impact auto insurance rates for Honda:
- Imports: Honda vehicles are imported, which means replacement costs tend to be higher compared to domestic models.
- Safety: Honda is renowned for excellent safety ratings, especially so for small vehicles.
- Reliability: Hondas are extremely reliable and safe cars, which means there is a lower rate of claims for these vehicles.
Toyota insurance cost for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group. For teens who own their own car, full coverage is essential since teens have a higher accident rate than older, more experienced drivers. <card list1>
Toyota insurance cost for senior drivers
Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher because older drivers are more susceptible to being involved in accidents. They’re also more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.Cheap insurance quotes for senior Toyota drivers
[card list 2]: cost for young drivers
Howard (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$444
per month
Myrtie (21 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Toyota Scion TC$185
per month
Toyota insurance cost for drivers with driving violations
Honda car insurance costs also depend on your driving record. Honda drivers with no violations or at-fault accidents pay the lowest rates, but you’ll see a surcharge on your coverage if you have any of the following on your record in the last three to five years:
- Speeding tickets
- DUIs
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Toyota drivers with speeding ticket
A single ticket for going less than five miles over the speed limit isn’t likely to make a substantial change in your Honda insurance premiums—but repeated tickets, or a single ticket for serious speeding, could cause your rates to shoot up. Jerry is proud to help Toyota drivers with varying types of speeding tickets on their record save on car insurance.
Cheapest insurance quotes for Toyota drivers with a speeding ticket
<table x>
Cheapest car insurance for Toyota drivers with a DUI record
If you have a
DUI conviction
on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Toyota drivers obtain affordable auto insurance rates after a DUI.Cheapest insurance quotes for Toyota drivers with a DUI
[card list 4]: DUI cards
Safeco
Alan (33 years old)
$160
per month
Travelers
Jonathan (43 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$185
per month
Clearcover
Teresa (37 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Toyota Highlander LE$332
per month
Bristol West
Mayme (33 years old)
$94
per month
Cheapest car insurance for Toyota drivers after an accident
One of the most important factors affecting Honda car insurance rates is your car accident or claim history. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped {Honda} drivers save on car insurance after accidents.
Cheapest insurance quotes for Toyota drivers with accident record
<table x>
Cheapest car insurance for Toyota drivers with other driving violations on their record
In addition to speeding tickets and DUIs, other violations such as reckless driving and
driving on a suspended license
can also cause your car insurance costs to increase. We’ve compiled a list of various driving violations and how we helped {Honda} drivers with these violations save on their car insurance.How can I lower the cost of my Toyota car insurance?
There are a variety of ways to lower the cost of insuring a {Honda} vehicle.
- Shop around:Shopping around for insurance coverageby comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 50 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
- Opt for a small SUV or minivan: If you’re buying a new Honda, make sure to research insurance rates for different models beforehand. Buying a small used SUV rather than a brand-new sports car can save you money on insurance.
- Bundle your insurance policies:Bundling your home and auto insurancewith the same company can amount to a lower overall bill.
- Participate in a telematics program: Those who drive certain {Honda} models may be eligible to participate in {Honda’s} {HondaLink Driver Feedback App}—a telematics program that rates driving habits. If you’re a safe driver, you could qualify forcar insurance discounts.
Reduce your coverage: If you have any older cars, you can
reduce coverage
on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.FAQs
Are Hondas more expensive to insure?
In general, no. Honda car insurance rates are below average in most cases thanks to strong safety ratings, affordable models, and a low rate of insurance claims from Honda drivers.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.