Jerry Summary

Toyota auto insurance costs $320 per month, on average, according to an analysis of full coverage car insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $210 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Toyota was founded by Sakichi Toyoda in the late 1800s. More than a century later, Toyota has become a household name, along with its luxury brand, Lexus.

Toyota auto insurance costs can vary widely, much like the brand’s impressive collection of vehicles. Here are average costs for a variety of models, the cheapest and best insurers, plus how to save on Toyota auto insurance.

Average Toyota auto insurance costs

The average cost of Toyota car insurance is $320 per month, according to Jerry’s data analysis of full coverage auto insurance quotes. Minimum coverage costs an average of $175 per month.

Toyota car insurance costs depend on the model and how old it is, plus your driving history and demographics. Generally, the more expensive a car is to buy, the more expensive it is to insure. For example, a Sequoia will likely cost more to insure than a Corolla.

But that’s not always the case, so it’s smart to compare car insurance quotes from multiple insurers for whichever Toyota you’re interested in.

Here are sample full coverage insurance costs for various Toyota models, based on Jerry’s data analysis.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Toyota car insurance, by state

The cost of car insurance varies based on which state you live in. That’s because each state has its own laws around car insurance, including the minimum coverage required to drive legally.

For example, Toyota auto insurance in California costs an average of $319 per month. In Texas, the monthly average is $332.

Below are the average full coverage costs of Toyota car insurance, by state.

Best car insurance for Toyotas

Each year, Jerry’s editorial staff evaluates the best car insurance companies based on industry rating factors such as combined subsidiary complaints and relative ability to pay out claims.

Here are our top companies for 2025.

While these companies are good for a lot of drivers, only some are available in every state. Additionally, some companies have better service records in certain states. To see the best car insurance companies in your state, click below.

Cheapest Toyota car insurance

Aspire Advantage offers the cheapest full coverage car insurance for Toyota, with an average rate of $210 per month.

Below are the cheapest insurers for Toyota for full coverage, according to Jerry’s data analysis.

Aspire Advantage offers the cheapest minimum coverage auto insurance for Toyota, with an average rate of $93 per month.

Below are the cheapest insurers for Toyota for minimum coverage, according to Jerry’s data analysis.

The cheapest Toyota insurer will vary from state to state, due to varying state regulations and minimum requirements. To see the cheapest insurance companies in your state, click below.

Toyota Corolla insurance costs

The average car insurance cost for a Toyota Corolla is $346 per month, according to Jerry’s data analysis of full coverage quotes.

The Toyota Corolla is a global bestseller and one of the most popular cars ever made, according to Kelley Blue Book. It’s also Toyota’s most affordable vehicle, starting at $22,325 MSRP for 2025 models, according to the manufacturer’s website. This means its parts are readily available and lots of mechanics are skilled at fixing Corollas — all good news for those looking for cheap car insurance.

However, Corollas tend to have higher liability claim costs than other small cars, according to the IIHS. That may mean average car insurance rates for Corollas are higher than similar-sized cars, but you can keep yours low by driving safely. 

Here are Corolla auto insurance rates from Jerry customers with full coverage policies.

Toyota Prius insurance costs

The average car insurance cost for a Toyota Prius is $274 per month, according to Jerry’s data analysis of full coverage quotes.

Toyota’s Prius is the best-selling hybrid car of all time in the U.S. The car revolutionized the market as one of the first mass-produced hybrids, becoming a symbol of eco-friendly transportation long before EVs were all over the road. It’s also one of Toyota’s lower-cost models with starting 2025 MSRPs of $28,350 for the base version and $33,375 for the plug-in model. 

All of this combined means the availability of parts and labor should contribute little to Prius’s insurance price tag. But for some real-world benchmarks, check out average car insurance rates for Toyota Prius among Jerry customers.

Toyota Rav4 insurance costs

The average car insurance cost for a Toyota Rav4 is $298 per month, according to Jerry’s data analysis of full coverage quotes.

The Toyota Rav4 was America’s best-selling non-truck model of 2024, more popular than any other new SUV or crossover. It starts at $28,850 MSRP for a 2025 Rav4 gasoline-powered model, according to the manufacturer’s website, making it one of Toyota’s more affordable vehicles. This means repair costs should be relatively low, which means collision and comprehensive costs should be lower than for other Toyota models. 

There’s also a hybrid Rav4 and a plug-in hybrid version available in 2025 models, which start at $31,900 and $44,265, respectively. EVs and hybrids tend to cost more to insure due to their batteries, which are pricey to replace. Check out average rates for Toyota RAV4s from Jerry customers below.

Toyota Sequoia insurance costs

The average car insurance cost for a Toyota Sequoia is $268 per month, according to Jerry’s data analysis of full coverage quotes.

The Toyota Sequoia, which in 2025 is available to purchase only as a hybrid-electric vehicle, is the Japanese carmaker’s largest SUV, comfortably seating eight. With a starting MSRP of $62,425 for 2025 models, it’s also Toyota’s most expensive vehicle. This likely means higher insurance prices.

However, the Sequoia’s large size and numerous safety features make it a comfortable vehicle for families and long trips. Additionally, the SUV’s interior features and large towing capacity make it worth the peace-of-mind of sufficient insurance coverage. Here are average quotes from Jerry customers for Toyota Sequoias.

Toyota auto insurance shopping tips

There are several ways you can lower the cost of your Toyota car insurance.

• Compare rates: The best way to find affordable rates is to get multiple quotes for your preferred coverage level.
• Ask about discounts: Don’t assume you’re getting every discount you qualify for. Be sure to ask your agent or insurer about any car insurance discounts you may be missing out on.
• Bundle your insurance: If you have a home or renters insurance policy, you can reduce your monthly bill by bundling your auto insurance with the same company.
• Participate in a telematics program if you drive safely, or few miles overall. Telematics programs track your driving habits and reward some drivers with lower premiums, but some drivers see increases.
• Raise your deductible: The deductible is the amount of money you pay before your insurer will pay on a claim. If you can afford to pay more out of pocket after a wreck than your current deductible, raising it will lower your bill. 
• Reduce your coverage: Older and less valuable cars require less coverage than expensive new models. If you drive an older Toyota, you may be able to save some money by dropping comprehensive and collision coverage.
• Purchase a used car: New cars tend to cost significantly more to insure than older, used cars. Purchasing a used Toyota may be an excellent way to cut down on your insurance costs.

How the Toyota you choose affects insurance premiums

The bells and whistles your Toyota comes with can have a significant impact on your insurance costs. Some model-specific elements that influence your premium include:

• Safety features: Cars with excellent safety ratings may have lower insurance rates. The Toyota Camry, Prius and Tundra were all listed as top safety picks in 2024 by the Insurance Institute for Highway Safety, or IIHS.
• Vehicle value: Expensive vehicles, like the Sequoia or hybrid Tundra i-Force Max, are typically more costly to insure than economy cars.
• Vehicle class: Large SUVs, like the Toyota Land Cruiser and Sequoia, tend to have higher insurance costs than small cars and crossovers.
• Engine size: Cars with powerful performance engines represent a higher risk to insurance companies. For this reason, they tend to see higher insurance rates.
• Availability of replacement parts: Vehicles with expensive or difficult-to-acquire replacement parts, like luxury import or discontinued cars, tend to have higher insurance costs. This is more likely to affect Toyota’s luxury brand, Lexus.
• Cost of repairs: Performance and luxury vehicles tend to have high repair costs. This can result in increased insurance rates.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

See more

Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

See more