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Toyota Insurance Cost


Peter Mondrose

August 10, 2021

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Toyota Insurance Cost

When deciding Toyota insurance cost, insurance companies consider numerous car-related aspects, such as the vehicle’s safety ratings, risk of theft, replacement prices, and general damage susceptibility.

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Toyota insurance cost by model

We obtained Toyota vehicle insurance quotes from major insurance providers and discovered that the average monthly cost to insure a Toyota may range from $119.27 to $234.39. The monthly fee, however, varies depending on the type and year of your vehicle.

How we got these rates

Our prices are based on a single 30-year-old driver in California with a clean driving record. California is one of seven states that do not base auto insurance rates on gender. We picked comprehensive coverage auto insurance with liability limits that surpass the state’s minimum requirements in California, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your prices may vary depending on factors such as zip code, region, work type, yearly miles, and more.

How much does it cost to insure a Toyota?

Toyotas do well in safety tests and are inexpensive to fix or replace, but they are frequently targeted by thieves, raising the cost of insurance.
Other factors that influence insurance costs include the model, mileage, and trim package. Personal factors such as your driving record, credit score, and age all play a part.

Toyota roadside assistance

Toyota new vehicles qualify for free roadside assistance for up to two years, with no mileage restrictions. The following functions are included in Toyota’s roadside assistance service:

  • Towing up to 25 miles to the nearest Toyota dealership or Toyota dealership of your choosing within 25 miles
  • Battery jump start
  • Flat tire change if you have a spare
  • If you run out of gas, we will send 2 gallons of gas or 5 gallons of diesel to you.
  • Lockout if you lost your key

To access Toyota roadside assistance, dial 1-800-444-4195 or download the Toyota Owners app. If you have the Enhanced Roadside Assistance function enabled on Toyota’s Safety Connect, the SOS button will immediately send your vehicle’s position to Toyota.

New Toyota drivers do not need to add this coverage to their vehicle insurance policy. Drivers with older Toyotas who no longer have roadside warranty coverage can add roadside assistance to their vehicle insurance policy to receive roadside assistance when they need it.

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Pros and cons of insuring a Toyota


  • Great safety ratings
  • Cheap to repair or replace


  • High theft rates

About the Toyota brand

Toyota was founded in 1933 as the Toyoda Automatic Loom Works. The Toyota Group is still active in the textile industry today, despite the fact that most people associate it with automobiles.

Toyota is routinely ranked as the world’s largest automotive manufacturer, supported by ever-popular models such as the Camry and Corolla.

What’s Toyota Entune?

Toyota’s multimedia system is known as Entune. An app suite, hands-free calling, and navigation are among the features. Entune allows drivers to get car health updates, remotely lock and unlock doors, and connect up to five devices through Wi-Fi.

Toyota car facts

  • Toyotas are excellent picks if you want a safe ride: The Insurance Institute for Highway Safety gives the manufacturer’s cars relatively good safety ratings (IIHS). As you may expect, this helps to reduce insurance premiums.
  • Toyotas, on the other hand, are frequently targeted by auto thieves. The Camry and Corolla are two of the manufacturer’s models on the National Insurance Crime Bureau’s “Hot Wheels” list of the ten most-stolen automobiles in the United States. Insurance rates are raised as a result of this stolen data.
  • Even if insurance is pricey, you may find a fantastic deal on a Toyota. 2018 models begin at low MSRPs: $23,495 for a Camry, $24,410 for a RAV4, and $18,550 for a Corolla.
  • Lexus is a Toyota sub-brand, and several vehicles have been released under both labels. In Japan, for example, the Lexus GS was marketed as the Toyota Aristo in the 1990s.

Bottom line

Because of the high theft rate of particular Toyota models, you may have to pay a higher insurance premium. However, Toyotas’ high safety ratings assist to keep prices in check. Compare all of your auto insurance choices to discover the best rates.

Visit our review of BMW Insurance Cost for another car insurance review.

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