How Much Is Toyota Insurance by Model?
Discover how much you can expect to pay to insure your Toyota.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Toyota is a Japanese automaker founded in 1937. Each year it produces about 10 million of the most popular vehicles in the world.
No matter what type of Toyota you drive — car, truck, or SUV — you’ll need the best car insurance you can find to protect your investment. The average cost of Toyota insurance per year is $1,391.61. This is higher than the national average cost of car insurance, which is $1,311 per year.
Our Toyota insurance guide provides average insurance cost information by model and top-rated insurance company. With the help of a local independent insurance agent, you can get quotes from multiple companies to get the coverage you need that fits your budget.
In this article:
How Much Does a Toyota Cost to Insure by Model?
Are Toyotas Expensive to Insure?
Why Do Insurance Costs Differ Between Toyota Models?
How Much Is Car Insurance for a Toyota 4Runner?
How Much Is Car Insurance for a Toyota Avalon?
How Much Is Car Insurance for a Toyota Camry?
How Much Is Car Insurance for a Toyota Corolla?
How Much Is Car Insurance for a Toyota Highlander?
How Much Is Car Insurance for a Toyota Land Cruiser?
How Much Is Car Insurance for a Toyota Prius?
How Much Is Car Insurance for a Toyota RAV4?
How Much Is Car Insurance for a Toyota Sequoia?
How Much Is Car Insurance for a Toyota Sienna?
How Much is Car Insurance for a Toyota Tacoma?
How Much is Car Insurance for a Toyota Tundra?
How Much is Car Insurance for a Toyota Yaris?
What Other Factors Affect Toyota Insurance Costs?
How to Save the Most Money on Toyota Insurance
How Much Does a Toyota Cost to Insure by Model?
Many factors influence car insurance costs, including the car’s make and model. The various Toyota models have different car insurance premiums depending on the unique characteristics of each model. Most people will pay more or less than the average.
We compared quotes for some popular Toyota models to give you an idea of how much each one costs to insure.
| Toyota Model | Average Cost of Car Insurance Per Year |
|---|---|
| Toyota 4Runner | $1,247.00 |
| Toyota Avalon | $1,482.00 |
| Toyota Camry | $1,316.80 |
| Toyota Corolla | $1,341.40 |
| Toyota Highlander | $1,259.67 |
| Toyota Land Cruiser | $1,962.57 |
| Toyota Prius | $1,359.33 |
| Toyota RAV4 | $1,280.60 |
| Toyota Sequoia | $1,464.17 |
| Toyota Sienna | $1,362.00 |
| Toyota Tacoma | $1,285.40 |
| Toyota Tundra | $1,424.60 |
| Toyota Yaris | $1,305.33 |
An independent insurance agent near you can help you find affordable car insurance for whatever type of Toyota you drive.
Are Toyotas Expensive to Insure?
The cost to insure your Toyota depends on the model that you choose. In addition, the cost of Toyota insurance varies by location, driving history, coverage options, and deductibles.
We compared popular Toyota models and found that, in general, car insurance for a Toyota is higher than the national average. Shopping around can help you find the most affordable coverage for your needs and budget.
Why Do Insurance Costs Differ Between Toyota Models?
Car insurance costs differ by model depending on several factors. Generally, any vehicle that has a higher purchase price or is more expensive to repair will cost more to insure. Cars with powerful engines or those that are more likely to be stolen also cost more to insure than their less risky counterparts.
Among the Toyota models we reviewed, the 4Runner has the cheapest car insurance, while the large, powerful, and high-priced Land Cruiser has the costliest car insurance.
How Much Is Car Insurance for a Toyota 4Runner?
The Toyota 4Runner is a classic midsize SUV. Our research found that the Toyota 4Runner is the least expensive Toyota model to insure, with an average premium rate of $1,247 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $982 |
| Vermont Mutual | $1,070 |
| Erie | $1,298 |
| USAA | $1,345 |
| Arbella | $1,377 |
| Mercury Insurance Company | $1,410 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $103.91 | $1,247.00 |
How Much Is Car Insurance for a Toyota Avalon?
The Toyota Avalon has an average premium rate of $1,482 per year. While these rates are above the national average of $1,311 per year, your rates will be higher or lower depending on where you live, your age, gender, and several other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,298 |
| Vermont Mutual | $1,376 |
| Erie | $1,403 |
| Mercury Insurance Company | $1,574 |
| USAA | $1,616 |
| Arbella | $1,625 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $123.50 | $1,482.00 |
How Much Is Car Insurance for a Toyota Camry?
The Toyota Camry has an average car insurance premium of $1,316.80 per year, putting it near the national average for car insurance costs.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,172 |
| Nationwide | $1,207 |
| Erie | $1,290 |
| USAA | $1,386 |
| Arbella | $1,529 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $109.73 | $1,316.80 |
How Much Is Car Insurance for a Toyota Corolla?
The Toyota Corolla has an average insurance cost of $1,341.40 per year. Insurance for the Corolla also is slightly more than the national average annual insurance cost of $1,311.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,232 |
| Vermont Mutual | $1,236 |
| Erie | $1,312 |
| Nationwide | $1,348 |
| Mercury Insurance Company | $1,579 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $111.78 | $1,341.40 |
How Much Is Car Insurance for a Toyota Highlander?
The Toyota Highlander is a midsize crossover SUV. It has an average annual insurance cost of $1,259.67. This is the second least expensive insurance premium among the Toyota models and insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $999 |
| Nationwide | $1,035 |
| Arbella | $1,301 |
| Erie | $1,373 |
| Mercury Insurance Company | $1,402 |
| Acuity | $1,448 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $104.97 | $1,259.67 |
How Much Is Car Insurance for a Toyota Land Cruiser?
The Toyota Land Cruiser is a full-size SUV with an average annual insurance cost of $1,962.57, or $163.55 per month. The Land Cruiser is the most expensive Toyota model to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,422 |
| Mercury Insurance Company | $1,884 |
| Vermont Mutual | $1,983 |
| Auto-Owners | $2,055 |
| Progressive | $2,075 |
| Plymouth Rock Assurance | $2,145 |
| Erie | $2,174 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $163.55 | $1,962.57 |
How Much Is Car Insurance for a Toyota Prius?
The Toyota Prius is a compact hybrid vehicle — the first mass-produced hybrid car in the world. It costs about $1,359.33 per year to insure a Prius.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,216 |
| Nationwide | $1,269 |
| Erie | $1,370 |
| Arbella | $1,420 |
| Mercury Insurance Company | $1,430 |
| USAA | $1,451 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $113.28 | $1,359.33 |
How Much Is Car Insurance for a Toyota RAV4?
The Toyota RAV4 is Toyota’s popular compact crossover SUV. You can insure your RAV4 for around $1,280.60 per year, depending on where you live and other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,013 |
| USAA | $1,282 |
| Erie | $1,330 |
| Arbella | $1,367 |
| Mercury Insurance Company | $1,411 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $106.72 | $1,280.60 |
How Much Is Car Insurance for a Toyota Sequoia?
The Toyota Sequoia full-size SUV has an average annual insurance cost of $1,464.17. Your rates will be more or less than this average, depending on the model year and a host of other factors, like where you live, your age, and your gender.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,116 |
| Vermont Mutual | $1,192 |
| Arbella | $1,543 |
| Auto-Owners | $1,620 |
| Erie | $1,647 |
| USAA | $1,667 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $122.01 | $1,464.17 |
How Much Is Car Insurance for a Toyota Sienna?
The Toyota Sienna minivan has an average insurance cost of $1,362 per year. It may cost more or less to insure your Sienna depending on the model year you own, as well as where you live, your age, your gender, and your driving history.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,172 |
| Vermont Mutual | $1,194 |
| Mercury Insurance Company | $1,348 |
| Erie | $1,366 |
| Plymouth Rock Assurance | $1,545 |
| Progressive | $1,547 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $113.50 | $1,272.50 |
How Much Is Car Insurance for a Toyota Tacoma?
The Toyota Tacoma is a pickup truck with an average insurance cost of $1,285.40 per year. You’ll pay more or less than average depending on where you live, your age, your gender, and the model year that you purchase.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,096 |
| Vermont Mutual | $1,110 |
| USAA | $1,369 |
| Arbella | $1,424 |
| Erie | $1,428 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $107.12 | $1,285.40 |
How Much Is Car Insurance for a Toyota Tundra?
The Toyota Tundra is a powerful four-door pickup truck with an average insurance cost of $1,424.60 per year, making it one of the more expensive Toyotas to insure among the insurance companies we reviewed.
| Insurance Companies | Average Annual Cost |
|---|---|
| Nationwide | $1,210 |
| Vermont Mutual | $1,298 |
| Erie | $1,471 |
| USAA | $1,529 |
| Arbella | $1,615 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $118.72 | $1,424.60 |
How Much Is Car Insurance for a Toyota Yaris?
The Toyota Yaris is a budget-priced compact vehicle. The Yaris has been discontinued, making the 2020 version the last model year available.
The Yaris has an average insurance cost of $1,305.33 per year. Your insurance rates for this model will be higher or lower than average, depending on where you live, your age, your gender, and several other factors.
| Insurance Companies | Average Annual Cost |
|---|---|
| Vermont Mutual | $1,079 |
| USAA | $1,199 |
| Nationwide | $1,263 |
| Erie | $1,407 |
| Arbella | $1,440 |
| Mercury Insurance Company | $1,444 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $108.78 | $1,305.33 |
What Other Factors Affect Toyota Insurance Costs?
The make and model of your car are two of the most important factors for determining your car insurance premiums. But numerous other factors also play a role in your car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score
- Where you live
- The amount of coverage and deductible that you choose
Every insurance company has its own proprietary method for calculating insurance rates, which is why you’ll see a range of premiums for the same make and model. But most companies also offer a wide range of car insurance discounts that can help you save money on your car insurance premiums.
An independent insurance agent can help you find the best rates in your area and can help you make sure that you take advantage of all the discounts for which you are eligible.
FAQs about Toyota Insurance
We compared several Toyota models and found that the average cost of insurance coverage is $1,391.61 per year. This is higher than the national average. You’ll be able to find Toyota insurance that is above or below average, depending on the make, model, and other factors.
We found that the Toyota Land Cruiser is the most expensive model to insure among the insurance companies we reviewed. The average annual insurance cost for a Land Cruiser according to our research is $1,962.57.
The Toyota 4Runner is the cheapest Toyota model to insure, according to our research. The average cost to insure a 4Runner is $1,247 per year, which is below the national average car insurance premium of $1,311.
How to Save the Most Money on Toyota Insurance
You can save the most money on Toyota insurance by working with an independent insurance agent in your area. Independent agents can compare coverage and quotes from multiple insurance companies, allowing you to choose the one that’s best for your needs and budget. Your agent will also help you maximize the discounts you can apply to your premium, getting you the best possible rate.
https://www.thezebra.com/auto-insurance/vehicles/toyota/4runner/
https://www.thezebra.com/auto-insurance/vehicles/toyota/avalon/
https://www.thezebra.com/auto-insurance/vehicles/toyota/camry/
https://www.thezebra.com/auto-insurance/vehicles/toyota/corolla/
https://www.thezebra.com/auto-insurance/vehicles/toyota/highlander/
https://www.thezebra.com/auto-insurance/vehicles/toyota/land-cruiser/
https://www.thezebra.com/auto-insurance/vehicles/toyota/prius/
https://www.thezebra.com/auto-insurance/vehicles/toyota/rav4/
https://www.thezebra.com/auto-insurance/vehicles/toyota/sequoia/
https://www.thezebra.com/auto-insurance/vehicles/toyota/sienna/
https://www.thezebra.com/auto-insurance/vehicles/toyota/tacoma/
https://www.thezebra.com/auto-insurance/vehicles/toyota/tundra/
https://www.thezebra.com/auto-insurance/vehicles/toyota/yaris/