Over the past year, Jerry has helped 150,632 Toyota drivers find reliable coverage and real savings. By analyzing real Toyota insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for Toyota drivers are currently around:
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$1,096 for basic coverage.
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$2,834 for standard coverage.
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$3,267 for premium coverage.
But these numbers are just a starting point. Your own premium will depend on the exact vehicle you drive, your location, your driving record and how much coverage you need.
On average, Toyota drivers pay between $2,390 and $4,992 annually for full coverage, with an average premium around $4,201. That’s right around the national average of $4,144, thanks to Toyota’s strong reliability, safety ratings and lower-than-average repair costs.
Already insured? Jerry compares live quotes from top insurers so you can see the best prices and coverage. If we find a better deal, you can switch right away, even before your renewal date. Jerry will handle the paperwork, cancel your old policy and help you secure any refund you’re owed.
Fast track your Toyota insurance with Jerry.
How much does Toyota insurance cost?
Toyota insurance costs vary, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, Toyota drivers can see big price differences for the same coverage. Jerry compares rates from leading insurers so you can choose protection that fits your budget and your car.
What’s the best insurance for a Toyota?
Owning a Toyota means driving something built to last. Protecting it means finding coverage that keeps up with your car’s dependability and safety standards—not just the legal minimum.
If your Toyota is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your vehicle is totaled.
Jerry recommends that Toyota drivers carry at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for a vehicle with advanced tech and high resale value.
Whether you’re leasing, financing or own your Toyota outright, there are several coverage options that help keep your car protected. Here are some of the most popular, what they include and why Toyota owners choose them.
Higher liability limits
Toyotas are known for safety and reliability, but at-fault accidents can still be expensive. About half (47%) of Jerry Toyota drivers choose higher-than-minimum coverage for added peace of mind.
Full coverage
Comprehensive and collision coverage protect your Toyota from theft, weather damage and at-fault collisions. Around 39% of Jerry Toyota drivers carry full coverage for balanced protection.
OEM parts coverage
Keeps your Toyota running smoothly after a crash with factory-approved parts and trained technicians. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your Toyota with a brand-new model if it’s totaled early on. It’s especially useful for newer Toyotas, which often retain strong value but can still face major repair costs after an accident.
Roadside assistance
Covers towing, jump-starts and lockouts. New Toyotas include roadside assistance for up to two years, but many drivers extend it for continued coverage.
Rental reimbursement
Covers a rental while your Toyota is being repaired. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Toyota is totaled. About 39% of financed drivers add gap coverage protection for peace of mind.
Accident forgiveness
Keeps your rate from rising after your first at-fault accident. Without it, Toyota drivers see average premium increases of nearly 23%.
See coverage options for your Toyota.
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Coverage definitions
4 best ways to shop for Toyota insurance and lower costs
For Toyota owners, smart protection means balancing coverage and cost. Jerry’s experts make it easier to lower premiums without giving up the dependable coverage your car deserves.
Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 36% to 62% among Toyota drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 12% among Toyota drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes to find carriers with the best price
Not every insurer prices Toyota coverage accurately. Some overestimate repair costs, while others overlook the brand’s safety and reliability. The result? Big price gaps for the same coverage.
Here’s where Toyota drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Toyota drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 34% | 22% |
| Root | 11% | 30% |
| Bristol West | 7% | 1% |
| Assurance America | 6% | 22% |
| National General | 6% | 27% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Toyota drivers can save nearly a third by comparing quotes. Jerry shows live prices in real time so you can find the best deal before you buy.
Tip 2: Combine discounts to maximize savings
Many Toyota owners qualify for multiple discounts like safe-driver programs, hybrid vehicle perks or bundling home and auto. But insurers don’t always apply them automatically.
Jerry tracks down every available discount to make sure you get the lowest rate possible.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust your coverage — what Toyota drivers are buying
From the Corolla to the Tundra to the Prius, every Toyota model has unique insurance needs. Most owners start with more than the minimum required coverage. This might mean opting for full coverage and higher limits on newer models, then adjusting deductibles or extras as vehicles age.
Minimum
$77 – $166/mo
Offers the legal minimum limits, which vary by state.
Full
$155 – $327/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$192 – $408/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$211 – $433/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Toyota drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend considering at least 100/300/100 for dependable protection that fits your budget.
Tip 4: Keep a clean driving record
Avoiding tickets and accidents can keep your Toyota insurance costs lower: drivers who get a single citation typically see their premiums rise by an average of 12%. More serious violations, like a DUI, will bump rates even more.
Staying consistent and cautious on the road is one of the simplest ways to keep premiums affordable long-term.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Toyota drivers, real savings
See what Jerry can really do for Toyota owners. Here are real drivers, their vehicles and the savings they found by comparing rates with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Toyota insurance rates can vary, but overpaying doesn’t have to be part of the experience. Whether you drive a Camry, Tacoma or RAV4 Hybrid, Jerry helps you find coverage that matches Toyota’s dependability, safety and long-term value.
We compare top insurers, apply every discount and manage renewals so your coverage stays as reliable as your Toyota.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
