Best Toyota Car Insurance Rates in 2025 (Find the Top 10 Companies Here!)

Geico, Allstate, and Liberty Mutual have some of the best Toyota car insurance rates.

You should always compare Toyota car insurance rates since there are various factors that affect car insurance rates.

Some of the most typical factors insurers consider when setting Toyota insurance costs include demographics, coverage options, driving profile, and model year.

Our Top 10 Company Picks: Best Toyota Car Insurance Rates

Read on to learn more about the best Toyota auto insurance companies, Toyota coverage options, and more.

When you’re ready to compare Toyota insurance rates, you can enter your ZIP into our free quote tool above.

#1 – Geico: Top Pick Overall

Pros

• Cheap Rates: Geico has some of the most affordable Toyota car insurance rates.
• Strong Digital Presence: Geico makes online policy management changes easy.
• Financial Stability: A.M. Best gave Geico a good rating.

Cons

• Limited Personal Interaction: Geico offers mostly online services, so local agents are few.
• DUI Rates: Multiple DUI drivers will have expensive rates. Read more in our Geico review.

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#2 – Allstate: Best for Customized Policies

Pros

• Customized Policies: Allstate’s policies are easy to customize. See what Allstate sells in our Allstate review.
• Pay-Per-Mile Coverage: Ideal for low-mileage Toyota drivers.
• Discount Options: Allstate has everything from student discounts to usage-based discounts.

Cons

• Claim Satisfaction: The number of claim complaints is high.
• Young Driver Rates: Rates are higher than average unless teens join a parent’s policy.

#3 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Support: Liberty Mutual offers support 24/7 to Toyota owners.
• Add-On Coverages: Liberty Mutual’s add-ons make it simple to personalize Toyota policies.
• Claim Filing: The claims filing process is simple at Liberty Mutual (learn more: How do you file a car insurance claim?).

Cons

• Customer Ratings: There are a few negative reviews left by Liberty Mutual customers.
• Discount Availability: Discounts may be limited in some states.

#4 – Nationwide: Best for Usage-Based Coverage

Pros

• Usage-Based Coverage: Nationwide sells usage-based insurance through SmartMiles, which charges Toyota drivers by the mile.
• Bundling Discounts: Toyota drivers who also buy home insurance will get a discount (read more: Nationwide car insurance discounts).
• Add-On Options: Toyota customers can add as many optional coverages to their policy as they want.

Cons

• Limited Agent Interaction: Local agents aren’t usually available.
• Customer Ratings: While not terrible, ratings could be improved.

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#5 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive has competitive rates for higher-risk drivers. Learn more in our review of Progressive.
• Snapshot Program: Progressive’s UBI program offers a large discount to good drivers.
• Coverage Options: Personalize Toyota policies easily with Progressives’ choices.

Cons

• Snapshot Rate Changes: Scoring poorly in Snapshot may result in rate increases for some Toyota customers.
• Customer Loyalty: The number of customers who stick with Progressive could be higher.

#6 – Farmers: Best for Discount Selection

Pros

• Discount Selection: Farmers has one of the larger discount selections among car insurance companies.
• Local Agents: Most Toyota customers should have access to local agents. Learn more in our Farmers review.
• Accident Forgiveness: Claims-free customers may be forgiven an at-fault accident.

Cons

• Online Functions: Customers may find online capabilities more limited than at other companies.
• Customer Satisfaction: Customers have left negative reviews about their car insurance claims.

#7 – USAA: Best for Military Savings

Pros

• Military Savings: USAA’s low rates will help most military drivers save on Toyota insurance.
• Discount Variety: There are discounts for bundling insurance policies, driving safely, and many more.
• Add-On Coverages: USAA has a good selection for Toyota customers. Learn more in our USAA car insurance review.

Cons

• Eligibility: Only active service members and veterans can buy coverage.
• Local Agent Availability: USAA doesn’t have local agents in most locations.

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#8 – State Farm: Best for Safe Drivers

Pros

• Safe Drivers: Toyota customers with clean driving records will have low rates and additional discounts. Read our State Farm review for more information.
• Adjustable Deductibles: Adjusting deductibles can help Toyota customers save on insurance.
• Local Agents: Local agents are easy to locate in most states.

Cons

• Financial Rating: State Farm has a lower rating than its competition.
• Agent Purchases: Toyota customers won’t be able to purchase policies online.

#9 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: AAA has several different plans for roadside assistance. Learn more in our AAA review.
• Member Benefits: AAA members can get discounts on some purchases.
• Coverage Options: AAA has a full list of add-ons for Toyota car insurance policies.

Cons

• Fee for Membership: Toyota customers must purchase a membership before buying insurance.
• Customer Service May Vary: Various clubs sell AAA insurance, so ratings may be lower in some states.

#10 – Travelers: Best for Safety Features

Pros

• Safety Features: Customers who have certain safety features on their cars will have discounted rates.
• Coverage Options: Travelers sells numerous coverages for Toyota policies. Learn more in our Travelers review.
• Online Convenience: Customers can make changes directly from the Travelers’ app.

Cons

• UBI Rate Changes: Travelers’ discount program raises rates if drivers score poorly.
• Customer Reviews: Customer service may be improved based on reviews.

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Comparing Toyota Car Insurance Rates

Comparing Toyota car insurance rates is vital to finding the best price for you since various factors affect your auto insurance costs.

The following is a list of factors insurance companies consider when setting your rates:

• Age
• Gender
• Marital status
• Vehicle age, make, and model
• Credit score
• Annual mileage
• Driving record
• Coverage amount
• Occupation
• Discounts

As you can see, some factors are outside of your control, but there are things you can control to get the best Toyota car insurance rate.

For example, you can compare car insurance rates by vehicle make and model to find a Toyota model with lower rates. You can also compare car insurance rates by age and gender to find a company with the best quote.

Check out the table below to compare Toyota car insurance rates by Toyota model:

Toyota Car Insurance Monthly Rates by Model & Coverage Type

If you’re looking for the cheapest insurance for Toyota cars, the average monthly rates for the Toyota Yaris are $129 per month. However, 2023 Toyota Corolla insurance costs $143, so compare Toyota insurance quotes to get the best deal.

Unveiling Toyota Vehicle Comparison Insights

Explore the dynamic realm of car insurance rates as we analyze Toyota and Chevrolet vehicles head-to-head.

Toyota Vehicle Comparison

Discover the factors influencing insurance premiums for these two automotive giants.

Unlock Savings: Compare Toyota Car Insurance Rates by Model for Maximum Value

Explore and compare Toyota car insurance rates based on different models.

Compare Toyota Car Insurance Rates by Model

Whether you own a Toyota 4Runner, Prius, Sienna, Avalon Hybrid, Prius Prime, Tacoma, Camry, RAV4, Tundra, Corolla Hybrid, RAV4 Hybrid, or Venza, this concise table provides a quick overview of insurance rates to help you make an informed decision.

Toyota Car Insurance Coverage Options

Car insurance companies offer Toyota drivers several types of car insurance coverage. Liability, uninsured motorist, personal injury protection, comprehensive, collision, and gap insurance are the most common types of coverage purchased, and each offers drivers a specific type of protection.

 

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Find out how much car insurance you need.

Liability Car Insurance 

Liability car insurance covers bodily injury and property damage expenses for other drivers and passengers involved in an accident you caused up to a certain limit. Almost all states require this type of insurance and dictate the required coverage limit.  

Liability insurance often gets expressed as three numbers, each indicating the coverage limit of that state. For example, with 20/50/25, your liability insurance covers $20,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability.

Uninsured Motorist Insurance

Uninsured/underinsured motorist insurance covers bodily injury and property damage expenses after an accident with an uninsured or underinsured motorist. While not all states require it, the coverage can protect drivers from suffering the negative financial consequences of being hit by some with little to no insurance coverage. 

Personal Injury Protection Insurance

Personal injury protection insurance, or no-fault insurance, covers the driver’s and passengers’ medical expenses regardless of fault. This coverage can also pay for lost wages, replacement services, and funeral expenses. Like liability and uninsured motorist coverage, states may require a minimum amount of personal injury protection.  

Collision Car Insurance

Collision car insurance covers property damage resulting from a collision with another vehicle or object, such as a telephone, guardrail, or building. It’s an optional coverage, meaning states don’t mandate it, but lenders and dealerships may require it for leased or financed vehicles.   

When adding this coverage to your policy, you agree to pay a deductible before your car insurance covers the remaining cost of repair or replacement. 

For example, if your deductible is $500 and your property damage expenses total $2,500, your insurance company will pay the remaining $2,000 for the repairs. If the vehicle gets totaled, the insurance company pays out the vehicle’s value minus the deductible.

Comprehensive Car Insurance

Comprehensive car insurance covers property damage from non-collision events, including fire, theft, vandalism, natural disasters, and animal damage. Like collision insurance, states don’t require comprehensive insurance, but Toyota comprehensive car insurance may be required if you leased or financed your Toyota. Additionally, drivers must pay a deductible before their Toyota comprehensive insurance covers the cost of repairs or pays out the vehicle’s value if it gets totaled.

Both comprehensive and collision are great coverages for Toyota drivers because it means drivers can avoid the out-of-pocket expense of repairing or replacing their vehicles after it gets damaged. 

Gap Insurance

In some cases, when a vehicle gets totaled, the amount remaining on the lease or loan is more than the vehicle’s value. Since car insurance companies only pay out up to the vehicle’s value, gap insurance covers the difference between the remaining loan or lease balance and vehicle value. 

When choosing the best car insurance coverage for you, consider the state minimum car insurance requirements and build on top of that. For example, while your state will require a minimum amount of liability car insurance, consider comprehensive and collision coverage if you have a newer vehicle that would be expensive to repair or replace. Learn more about gap insurance pricing and coverage.

How to Compare Toyota Car Insurance Rates and Coverage Options

Car insurance companies calculate insurance premiums using several different factors that affect car insurance rates, including the vehicle make, model, and year. As a result, you’ll rarely see two car insurance companies offering the same rates for insurance when you get quotes from companies like Geico or Allstate. 

Of course, this leaves you with the task of comparing rates and finding the best car insurance for your Toyota. We recommend starting with the companies listed below. 

Toyota Car Insurance Monthly Rates by Coverage Level & Provider

Here are a few tips to help you find the best Toyota car insurance rates:

• Review Car Insurance Policy Costs: Factors like age, gender, driving record, location, vehicle type, and credit score impact your rates. If you have a budget in mind, compare Toyota insurance quotes to see which companies offer the best rates for that budget.
• Review Available Coverage Options: Compare car insurance by coverage type to find affordable Toyota insurance options. If a car insurance company you’re considering doesn’t offer the coverage you need, you should look elsewhere. Here’s how to find out the required auto insurance in your state.
• Review Available Discounts: Many companies offer car insurance discounts to help lower your insurance premium. There are a few common discounts that car insurance companies offer and discounts unique to the company, offering an additional chance to save.

Ideally, the insurance company you choose will fit your coverage needs and your budget. It may be tempting to go with the company offering the cheapest premium, but it could cost you more in the long run if you don’t have the coverage you need.

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Toyota Car Insurance Discounts

Various insurance companies offer car insurance discounts to help give drivers the best Toyota car insurance rates.

Common Toyota car insurance discounts include:

• Good Student: Awarded to high school and college drivers with good grades. 
• Multiple-Line Car Insurance Discount: Available to customers with more than one insurance policy. 
• Multi-Car: Available to customers with more than one vehicle listed on the car insurance policy. 
• Auto Pay: Available to policyholders who have their premium payments automatically deducted from their payment account. 
• Paid-In-Full: Available to policyholders who pay their premium in one payment rather than monthly installments. 
• Paperless: Available to policyholders who receive car insurance documents online. 

As you can see, drivers have various options to reduce rates for their already affordable Toyota insurance options. Speak with insurance companies you’re considering to ask about eligible discount options.

How to Compare Car Insurance Rates for Toyota Cars

While most states require drivers to carry car insurance, a driver’s Toyota car insurance coverage needs may differ from the minimum car insurance required by state. Since you have so many coverage options, knowing how each coverage can protect you is important. As you search for the best car insurance for your Toyota, keep your needs and budget in mind to help you narrow your choices as you go through Toyota insurance reviews and rates.

If you are ready to start shopping for Toyota quotes, enter your ZIP code into our free tool to find cheap Toyota car insurance.

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