Best Auto Insurance for Toyotas in 2025
The best auto insurance for Toyotas comes from Erie, USAA, and Liberty Mutual, with rates starting at $38 a month. The model and year of your vehicle impact premiums, and Toyota Prius and Toyota Corolla insurance rates are the cheapest. Safe drivers can lower rates by 23%-30% with discounts from Erie and USAA.
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Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
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Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
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Updated November 2025
Erie, USAA, and Liberty Mutual have the best auto insurance for Toyotas. USAA has the cheapest rates for Toyotas at just $38 a month.
- USAA has the best Toyota car insurance for military families
- Erie Rate Lock won’t raise Toyota auto insurance rates after claims
- Get lower Toyota insurance rates with safe driving and bundling
Erie offers the biggest bundling discounts of up to 25%, and Liberty Mutual helps Toyota drivers save with 35% discounts for anti-theft devices and advanced safety features.
If you don’t mind paying a little more, Liberty Mutual and Farmers are strong choices for custom parts coverage and customized Toyota insurance policies.
Our Top 10 Company Picks: Best Auto Insurance for Toyotas| Company | Rank | Claim Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 743 / 1,000 | A+ | Filing Claims |
 | #2 | 741 / 1,000 | A++ | Military Families |
 | #3 | 730 / 1,000 | A | Customizable Plans |
 | #4 | 729 / 1,000 | A+ | Safe Drivers |
 | #5 | 716 / 1,000 | A++ | Customer Service |
 | #6 | 697 / 1,000 | A++ | Discount Variety |
 | #7 | 693 / 1,000 | A+ | Local Agents |
 | #8 | 691 / 1,000 | A++ | Accident Forgiveness |
 | #9 | 690 / 1,000 | A | Custom Parts |
 | #10 | 673 / 1,000 | A+ | Online Tools |
In this guide, we’ll explain what to do if you can’t afford car insurance and offer tips on how you can get a cheaper Toyota car insurance quote.
If you’re looking to lower your Toyota insurance premiums, enter your ZIP code into our free comparison tool to compare local companies.
Cheapest Toyota Auto Insurance Rates
Toyota drivers can find the cheapest car insurance by comparing rates across top companies. Erie and USAA have the cheapest minimum coverage for Toyotas at under $40 per month.
Geico and Travelers are the next cheapest, but they still cost $10-$20 more per month than our top companies.
Toyota Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $172 |
| $48 | $150 |
| $55 | $165 |
| $50 | $155 |
| $54 | $170 |
| $46 | $140 |
| $52 | $150 |
| $44 | $135 |
| $44 | $136 |
| $38 | $120 |
Your total cost can vary depending on how much coverage you want and which company you choose. Liability insurance is the most basic type and is required in most states, but Toyota auto loans or lease agreements will require full coverage.
Choosing the right company and coverage based on your Toyota model can help you keep your monthly payments low. If you have a newer or more expensive Toyota, like a Highlander, Tacoma, or GR86, full coverage is often a better choice.
Average Insurance Costs for Toyota Models
The Toyota model you drive directly affects your monthly rate. The Toyota Corolla and Prius are the cheapest to insure at around $50 a month.
The best insurance for Toyota Prius drivers will offer rates around $52 for minimum coverage and $150 for full coverage, which is cheaper than the national average (Learn More: How Electric Cars Work).
Toyota Auto Insurance Monthly Rates by Model & Coverage Level| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Toyota 4Runner | $62 | $175 |
| Toyota Camry | $54 | $160 |
| Toyota Corolla | $50 | $150 |
| Toyota GR86 | $65 | $185 |
| Toyota Highlander | $60 | $170 |
| Toyota Prius | $52 | $155 |
| Toyota RAV4 | $55 | $165 |
| Toyota Sienna | $57 | $168 |
| Toyota Tacoma | $59 | $172 |
| Toyota Tundra | $63 | $180 |
Midsize models like the Camry and Highlander cost a bit more. Monthly Toyota Highlander insurance rates range from $60 for minimum coverage to $170 for full coverage.
Larger or sportier models, such as the Tundra and GR86, have the highest insurance premiums, while Toyota Tacoma insurance rates aren’t far behind.
Toyota Auto Insurance Monthly Rates by Model Year| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2024 | $78 | $195 |
| 2023 | $76 | $190 |
| 2022 | $74 | $185 |
| 2021 | $71 | $179 |
| 2020 | $69 | $174 |
| 2019 | $66 | $168 |
| 2018 | $63 | $162 |
| 2017 | $60 | $157 |
| 2016 | $58 | $153 |
| 2015 | $56 | $148 |
| 2014 | $53 | $143 |
| 2013 | $51 | $139 |
| 2012 | $49 | $135 |
The average insurance costs for Toyota Tacoma drivers are around $59 a month, but the model year can impact what you pay. For example, 2017 Toyota Tacoma insurance rates will be slightly higher than 2013 Toyota Tacoma insurance rates.
The same applies to Toyota Corolla insurance rates, which are often the cheapest when compared to other models. However, 2023 Toyota Corolla insurance costs over $20 more per month than 2014 Toyota Corolla insurance rates.
Toyota Vehicle Insurance Compared to Other Cars
Toyota car insurance quotes fall right in the middle when comparing coverage to that of other vehicles (Read More: Auto Insurance Rates by Vehicle).
Toyota Highlander car insurance costs around $60 a month, which is cheaper than a Ford Explorer or Nissan Pathfinder, but pricier than Mazda and Honda.
Toyota Highlander vs. Similar SUVs: Auto Insurance Monthly Rates| Vehicle Type | Minimum Coverage | Full Coverage |
|---|---|---|
| Toyota Highlander | $60 | $170 |
| Ford Explorer | $65 | $190 |
| Honda Pilot | $55 | $160 |
| Hyundai Palisade | $58 | $165 |
| Jeep Grand Cherokee | $70 | $200 |
| Kia Telluride | $59 | $168 |
| Lexus RX | $75 | $210 |
| Mazda CX-90 | $57 | $155 |
| Nissan Pathfinder | $63 | $180 |
| Subaru Ascent | $54 | $150 |
As you shop for Toyota car insurance, full coverage quotes will be higher. The Highlander is one of the most expensive models to insure with full coverage at $170 a month, compared to $150 monthly for the Subaru Ascent.
Always compare companies online and read Toyota auto insurance reviews before you buy to pick the right provider for your specific model and coverage needs.
How Age & Driving History Impact Toyota Insurance Costs
No matter which Toyota you drive, younger drivers always pay more. Teens under 18 pay $400 more per month than drivers 25 and older.
Toyota insurance companies consider teens high-risk drivers and continue to charge them higher rates until they get more experience behind the wheel.
Maintaining a clean driving record is the easiest way to get cheap auto insurance for teens and unlock safe driving discounts for even lower rates.
One accident or claim can increase your Toyota insurance quote by $20 or more per month, and a single DUI conviction doubles rates at all companies.
Toyota Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| $52 | $78 | $70 | $109 |
| $48 | $72 | $65 | $101 |
| $55 | $83 | $74 | $116 |
| $50 | $75 | $68 | $105 |
| $54 | $81 | $73 | $113 |
| $46 | $69 | $62 | $97 |
| $52 | $78 | $70 | $109 |
| $44 | $66 | $59 | $92 |
| $44 | $66 | $59 | $92 |
| $38 | $57 | $51 | $80 |
USAA, State Farm, and Travelers are the cheapest companies for high-risk Toyota drivers. USAA is only available to military families, but State Farm and Travelers are available to all drivers nationwide.
If you need cheap high-risk car insurance, Toyota is one of the best vehicle brands to drive for lower rates.
Toyota car insurance reviews find it to be one of the safest cars on the road, and drivers can get lower rates by reducing their risk with a safer type of vehicle.
The Toyota Prius, Camry, and Tundra models are the Insurance Institute for Highway Safety (IIHS) top safety picks for crash prevention. These safety and crash performance ratings are why Toyota Prius V car insurance is less expensive than other hybrids and EVs.
Learn More: What does the Insurance Institute for Highway Safety do?
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Toyota Coverage Options to Consider
When picking car insurance for your Toyota, it’s important to meet the coverage requirements in your state.
Liability auto insurance is required in almost every state and covers injuries or damage you cause to others.
For more protection, adding collision coverage helps pay for repairs to your Toyota after an accident, while comprehensive coverage protects against theft, vandalism, fire, and weather damage.
Combining these two coverages with your minimum liability policy will provide full coverage car insurance on your Toyota. Full coverage is required on leased Toyotas and auto loans.
Toyota drivers should start by choosing full coverage for newer models and using safe driver and bundling discounts to lower their rates.
Kristen Gryglik Licensed Insurance Agent
Drivers who are financing or leasing a Toyota should also think about gap insurance, which covers the difference if your car is totaled and worth less than your loan amount.
Other helpful options include roadside assistance for towing, flat tires, or lockouts, as well as rideshare coverage if you use your Toyota for work.
Toyota Auto Insurance Coverage Options by Provider| Company | Claim Forgiveness | Gap Plans | Custom Parts | Rideshare Coverage |
|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ |
| ✅ | ❌ | ✅ | ❌ |
| ❌ | ❌ | ✅ | ✅ |
| ✅ | ❌ | ✅ | ❌ |
| ❌ | ❌ | ✅ | ❌ |
| ✅ | ✅ | ✅ | ✅ |
| ✅ | ❌ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ |
Drivers with modified Toyotas should consider custom parts coverage to protect any aftermarket upgrades, including spoilers and stereo equipment.
Choosing the right mix of these coverages gives Toyota owners better protection, fewer out-of-pocket costs, and more peace of mind every time they drive.
Lower Your Toyota Insurance Rates
Toyota is one of the most affordable cars for insurance, but there are still plenty of hacks to save more money on car insurance.
Along with maintaining a clean record and avoiding claims, follow these tips to lower your Toyota insurance rates:
- Carry Minimum Coverage: If you drive an older model, drop full coverage for cheaper rates. For instance, reducing coverage can cut 2005 Toyota Tacoma insurance costs by half and 2017 Toyota Corolla insurance costs by 20%.
- Sign Up for UBI: Safe drivers should consider usage-based insurance (UBI), which sets rates based on actual mileage and driving habits rather than local claims data.
- Bundle Multiple Policies: If you need homeowners, renters, or life insurance, consider buying it from your Toyota insurance company to get up to 25% off on all policies.
- Check Reviews Online: Read a Toyota car insurance review or two from local drivers to see if there are providers around town with better rates or discount incentives.
If you read a Toyota insurance review online, consider also comparing auto insurance quotes online to save money.
Insurance comparison sites like this one review local providers and let Toyota drivers see rates from multiple companies side by side.
Save Money With Toyota Insurance Discounts
Toyota drivers can save a lot on car insurance by taking advantage of common discounts, such as safe driving, bundling, and anti-theft devices.
Nationwide offers the biggest discount for good drivers of up to 40%, and State Farm and Progressive both give up to 30% off for using driving apps that track your habits (Read More: Best Auto Insurance for Good Drivers).
Toyota Auto Insurance Discounts From Top Providers| Company | Anti-Theft | Bundling | Good Driver | Usage-Based |
|---|---|---|---|---|
| 10% | 25% | 25% | 30% |
| 25% | 25% | 23% | 30% |
| 10% | 20% | 30% | 30% |
| 25% | 25% | 26% | 25% |
| 35% | 25% | 20% | 30% |
| 5% | 20% | 40% | 40% |
| 25% | 10% | 30% | $231/yr |
| 15% | 17% | 25% | 30% |
| 15% | 13% | 10% | 30% |
| 15% | 10% | 30% | 30% |
Geico and Erie also have strong discounts, giving Toyota owners up to 25% off for bundling and installing anti-theft features.
Liberty Mutual gives the highest discount for anti-theft devices at 35%, which is helpful for Toyotas with built-in safety tech.
Toyotas are one of the cheapest vehicles to insure, thanks to their safety tech and high safety ratings in crash tests. Safe drivers can stack good driving discounts with vehicle safety savings for even better rates.
No matter what Toyota you drive, using these discounts can help you get the coverage you need at a lower price.
Toyota Auto Insurance Review of Providers
The best car insurance for Toyota drivers offers good prices and helpful discounts. State Farm, Geico, and Progressive rank as the largest and most popular Toyota auto insurance providers, offering low rates and easy-to-use online tools.
However, smaller insurers like USAA provide better customer service, especially when filing Toyota insurance claims (Learn More: Best Auto Insurance Companies for Claims Handling).
USAA, Erie, and Liberty Mutual may not be the biggest providers, but they have the best auto insurance for Toyotas, with extra policy features like Rate Lock and new car replacement.
These top three Toyota insurance companies also excel in customer service, with 24/7 claims processing and superior ratings in J.D. Power annual surveys.
Whether you drive a Corolla, RAV4, or Tacoma, insurance can help cover the costs of damage, theft, or other issues. Take time to compare your options and pick the right coverage.
Daniel Walker Licensed Insurance Agent
However, the best Toyota car insurance will depend on your location, age, driving history, and the model you drive.
To find out if you can get cheaper Toyota auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
#1 – Erie: Top Pick Overall
Pros
- Good Claims Experience: Erie is highly rated for smooth claims handling, and Toyota owners get automatic accident forgiveness after three claim-free years.
- Rate-Lock Feature: Erie offers Toyota full coverage at an average monthly rate of $118, and rates won’t increase until you add a new driver or vehicle to the policy.
- Up to 25% Off: Toyota owners can get generous discounts for bundling, anti-theft devices, and more. Our Erie insurance review lists all available discounts.
Cons
- Availability Issues: Erie is not available in all states, which limits access for some Toyota drivers.
- Limited Online Features: The Erie mobile app and insurance website are less streamlined than national Toyota auto insurance providers.
#2 – USAA: Best for Military Families
Pros
- Military Perks: USAA offers exclusive benefits and savings for military Toyota drivers and their families. Learn more in our USAA insurance review.
- Cheapest Full Coverage: Toyota owners pay just $97 a month on average for full coverage with USAA.
- High Service Ratings: Toyota drivers rate USAA highly for claims handling and customer support.
Cons
- Membership Required: Only military members and eligible family members are eligible for Toyota coverage from USAA.
- Few Branches: Toyota drivers who want in-person help may not find many local offices.
#3 – Liberty Mutual: Best for Customizable Plans
Pros
- Flexible Add-Ons: As mentioned in our Liberty Mutual review, it allows Toyota owners to add gap coverage, accident forgiveness, and a deductible fund.
- Competitive Rates: Minimum coverage for Toyotas starts at $91 per month with Liberty Mutual.
- Emergency Services: 24/7 roadside assistance is available for Toyota drivers who choose it.
Cons
- App Issues: Toyota drivers report problems with Liberty’s app for logging in and tracking claims.
- Costly Full Coverage: Toyota owners may pay up to $230 a month for full coverage.
#4 – Nationwide: Best for Safe Drivers
Pros
- Usage-Based Savings: Safe drivers can lower their Toyota auto insurance rates by up to 40% with SmartRide UBI. Learn how to sign up in our Nationwide insurance review.
- Fair Prices: Minimum Toyota coverage starts at $106 per month, with full coverage at around $110 monthly, for drivers with clean records.
- Few Customer Complaints: Nationwide has half the number of customer complaints compared to other Toyota car insurance companies.
Cons
- Basic Mobile Tools: The app experience may not meet the expectations of some Toyota owners.
- Not in Every State: Despite its name, drivers in Alaska, Hawaii, Louisiana, and Massachusetts can’t buy auto insurance for Toyotas from Nationwide.
#5 – State Farm: Best for Customer Service
Pros
- Top Customer Service: State Farm offers 24/7 support and local agents to help Toyota drivers with claims and coverage.
- Low Minimum Rates: State Farm offers minimum coverage for Toyota drivers starting at just $73 a month.
- Policy Bundling: Toyota drivers can save up to 17% by bundling auto with home or renters insurance. See more discounts in our State Farm auto insurance review.
Cons
- Limited Discounts: State Farm has fewer discount options for Toyota owners compared to other insurers.
- High Full Coverage Costs: Full coverage car insurance for Toyotas averages $212 a month, which is more than some competitors.
#6 – Geico: Best for Discount Variety
Pros
- Biggest Discount Variety: Geico offers Toyota drivers up to 25% off with safe driver, anti-theft, and multi-policy savings.
- Lowest Rates Available: Toyota drivers can get minimum coverage starting at just $41 per month with Geico.
- Digital Experience: The Geico app lets Toyota owners access ID cards, file claims, and manage policies easily. Browse everything you need to know about Geico.
Cons
- No Local Agents: Toyota drivers who want in-person help may find Geico’s service too online-focused.
- Less Flexible Coverage: Geico offers fewer options to customize coverage for Toyota owners.
#7 – Allstate: Best for Local Agents
Pros
- Strong Local Support: Allstate has a large network of local agents to help Toyota drivers with personal service and claims..
- Reliable Bundling Savings: Toyota drivers can save up to 25% when bundling auto insurance with a home or renters policy. Learn how in our Allstate auto insurance review.
- Claim Support: Allstate has a large agent network and a mobile app that makes filing Toyota auto insurance claims easier.
Cons
- High Starting Rates: Minimum coverage for Toyotas starts at $112 per month, which is higher than average.
- Limited UBI Savings: Usage-based discounts for Toyota drivers may be lower than competitors.
#8 – Travelers: Best for Accident Forgiveness
Pros
- First-Accident Forgiveness: Toyota drivers may avoid rate hikes after their first at-fault crash if they haven’t filed any claims.
- Good Value: Toyota minimum coverage costs $58 per month, and full coverage is $141 a month. Compare Toyota auto insurance quotes in our Travelers review.
- Reliable Claims Handling: Toyota owners rate Travelers well for claim response time and mobile support.
Cons
- Limited Discounts: Drivers may find fewer auto insurance discounts for Toyotas compared to top competitors.
- Low Bundling Savings: Bundling savings max out around 13% for Toyota policies.
#9 – Farmers: Best for Custom Parts
Pros
- OEM & Custom Parts: Farmers covers original and custom parts or equipment for modified Toyotas, including new car replacement for models under two years old.
- Bundling Value: Toyota drivers can save up to 20% by bundling Farmers auto with home insurance.
- Strong Local Support: Farmers has local agents for Toyota owners who prefer face-to-face service. Read everything you need to know about Farmers for full details.
Cons
- Expensive Full Coverage: Toyota full coverage costs can reach $ 389 a month, the highest on this list.
- High Entry Rates: Minimum coverage for Toyotas starts at $ 135 a month, above the average.
#10 – Progressive: Best for Online Tools
Pros
- Top Digital Tools: Progressive lets Toyota drivers quote, buy, and manage coverage online or through its mobile app.
- Affordable Rates: Minimum coverage for Toyotas starts at $72 per month. Read our guide on everything you need to know about Progressive to compare more quotes.
- Snapshot Savings: Toyota drivers can earn big discounts based on actual driving habits using Progressive’s usage-based app.
Cons
- Low Bundling Discount: Bundling discounts for policies top out at 10%, lower than other Toyota auto insurance companies.
- Potential Rate Hikes: Toyota insurance rates may rise sharply at renewal, even without claims or traffic tickets.
Frequently Asked Questions
What is the best insurance company for Toyota?
Who offers the best auto insurance coverage? Erie, USAA, and Liberty Mutual have the best auto insurance for Toyotas. They are top-rated for affordable rates, strong customer service, and helpful policy add-ons.
Are Toyotas more expensive to insure?
No, Toyotas are generally cheaper to insure than many other brands due to their safety ratings, low repair costs, and reliability (Read More: How to Buy Auto Insurance).
How much is auto insurance for Toyotas?
Car insurance for Toyotas typically ranges from $38 to $145 per month, depending on the model and coverage level. Enter your ZIP code to explore which companies have the cheapest Toyota insurance rates for you.
How much does 2020 RAV4 insurance cost?
Toyota RAV4 insurance rates vary between $55 and $174 a month, depending on your driving record and the level of coverage you need.
Which brand is more reliable than Toyota?
Toyota ranks among the most reliable brands in the world. Only a few brands, like Lexus and Mazda, occasionally rate slightly higher in some reviews.
What is TPL in Toyota insurance?
TPL stands for Third Party Liability insurance, which covers damage or injury you cause to others while driving your Toyota (Read More: Liability vs. Full Coverage Auto Insurance).
How much is CTPL insurance for Toyotas?
Compulsory Third Party Liability (CTPL) insurance typically costs around $10 to $25 per year, depending on your vehicle type and local insurance regulations.
What is the cheapest Toyota auto insurance?
Which company car insurance is cheaper? USAA often offers the cheapest rates, but it is only available to military families. For others, Geico and Travelers are known for affordable minimum coverage for Toyotas.
Is $200 a month a lot for Toyota auto insurance?
Yes, $200 per month is higher than the average cost of car insurance for Toyotas. Most Toyota drivers pay less, especially with discounts. What type of car insurance is cheapest? Minimum liability coverage is the cheapest, but it only covers damage to others, not your own Toyota.
Does Toyota offer its own insurance?
Yes, Toyota Insurance is available in some states and offers coverage through Toyota’s network, but it’s still worth comparing rates with major insurers (Read More: How to Compare Auto Insurance Companies).
Is Toyota insurance good?
Which insurance company does Toyota use?
Can I switch Toyota auto insurance anytime?
Is Toyota extended coverage worth it?
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