Best Auto Insurance for Toyotas in 2025
The best auto insurance for Toyotas comes from State Farm, Geico, and Progressive, with rates starting at $38 a month. State Farm is the top pick for Toyota drivers with 24/7 support. Geico offers the most savings with discounts up to 25%, while Progressive makes managing your Toyota policy easy through its app.
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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...
Alexandra Arcand
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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Updated September 2025
State Farm, Geico, and Progressive have the best auto insurance for Toyotas. State Farm is the top pick for its helpful customer service, local support, and flexible coverage like rental reimbursement.
- Toyota drivers save with safe driving, bundling, and anti-theft discounts
- Full coverage protects newer Toyotas from accidents, theft, and storms
- Find the best auto insurance for Toyotas rates just at $38 a month
USAA has the cheapest rates for Toyotas at just $38 a month, but Geico is a better choice for savings, with discounts up to 25% for safe driving and anti-theft features.
Progressive is ideal for Toyota owners who want simple online tools to manage quotes, payments, claims, and earn extra discounts through Snapshot.
Our Top 10 Company Picks: Best Auto Insurance for Toyotas| Company | Rank | A.M. Best | Safety Features Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | 15% | Customer Service | State Farm |
 | #2 | A++ | 23% | Discount Variety | Geico |
 | #3 | A+ | 9% | Online Tools | Progressive |
 | #4 | A+ | 10% | Local Agents | Allstate |
 | #5 | A | 12% | Customizable Plans | Liberty Mutual |
 | #6 | A | 8% | Custom Parts | Farmers |
 | #7 | A+ | 10% | Safe Drivers | Nationwide |
 | #8 | A++ | 12% | Accident Forgiveness | Travelers |
 | #9 | A+ | 20% | Filing Claims | Erie |
 | #10 | A++ | 15% | Military Families | USAA |
In this guide, we’ll explain what to do if you can’t afford car insurance, with tips to get lower rates.
If you’re looking to lower your Toyota insurance premiums, enter your ZIP code into our free comparison tool to compare local quotes.
Cheapest Toyota Auto Insurance Rates & Companies
Toyota drivers can find the cheapest car insurance by comparing rates across top companies. USAA has the cheapest minimum coverage for Toyotas at just $38 per month, followed by Geico at $41 and Travelers at $58 monthly.
Toyota Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $112 | $231 |
| $32 | $84 |
| $135 | $389 |
| $41 | $121 |
| $91 | $230 |
| $106 | $110 |
| $72 | $194 |
| $73 | $212 |
| $58 | $141 |
| $38 | $97 |
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.
Toyota Auto Insurance Monthly Rates by Model & Coverage Level| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Toyota 4Runner | 120 | $200 |
| Toyota Camry | 105 | $180 |
| Toyota Corolla | 95 | $160 |
| Toyota GR86 | 110 | $220 |
| Toyota Highlander | 130 | $250 |
| Toyota Prius | 110 | $210 |
| Toyota RAV4 | 115 | $220 |
| Toyota Sienna | 120 | $230 |
| Toyota Tacoma | 140 | $270 |
| Toyota Tundra | 150 | $300 |
Your Toyota model also affects your monthly rate. The Toyota Prius is the cheapest to insure at $110 a month, followed by the Corolla at $115 and the RAV4 at $118 monthly.
Title: Min. vs. Full Coverage Rates by Toyota Model Year| Toyota 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 |
Midsize models like the Camry and Highlander cost a bit more, with monthly rates around $122 to $127, while larger or sportier models like the Tundra and GR86 have the highest insurance costs.
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.
Full coverage includes collision insurance, which helps pay for damage to your Toyota in a crash, and comprehensive insurance, which covers things like theft, fire, or storm damage. Toyota owners can also choose extra options for more protection, such as uninsured/underinsured motorist and personal injury protection, but your rates may increase.
Read More: Everything You Need to Know About Luxury and Exotic Car Insurance
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Easy Ways to Save With Toyota Auto Insurance Discounts
Toyota drivers can save a lot on car insurance by using common discounts like safe driving, bundling, and having 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 | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 23% | 15% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 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.
If you’re a student or have a teen driver on your policy, State Farm offers good student discounts of up to 25%, coupled with excellent customer service for new and young drivers.
While Progressive has lower bundling savings, it still gives good deals for safe drivers. No matter what Toyota you drive, using these discounts can help you get the coverage you need at a lower price.
Read More: 26 Hacks to Save More Money on Car Insurance
Coverage Options Toyota Drivers Should Consider
When picking car insurance for your Toyota, it’s important to have coverage that protects both you and your car. 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.
If you’re hit by a driver with little or no insurance, uninsured/underinsured motorist coverage can help cover your expenses. Toyota drivers can also add personal injury protection (PIP) or medical payments coverage to help pay for medical bills after a crash.
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 rental car reimbursement if your Toyota is in the shop and roadside assistance for towing, flat tires, or lockouts.
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.
Top 10 Auto Insurance Providers for Your Toyota
The best auto insurance for Toyotas protects your car from big repair costs or medical bills after an accident. It’s also required in most states, so having the right policy keeps you legal and covered (Learn More: What to Do When You’re Denied Insurance Coverage).
Many top companies offer good prices and helpful discounts, with State Farm, Geico, and Progressive ranked as the best Toyota auto insurance providers. These insurers offer strong customer service, low rates, and easy-to-use online tools. Whether you drive a Corolla, RAV4, or Tacoma, insurance can help cover the costs of damage, theft, or other issues.
Toyota drivers should start by choosing full coverage for newer models and using safe driver and bundling discounts to lower their rates.
Michelle Robbins Licensed Insurance Agent
Taking time to compare your options and pick the right coverage can save you money. 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 – State Farm: Top Overall Pick
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.
#2 – 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.
#3 – 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 through Progressive. 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.
#4 – 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 Allstate 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.
#5 – 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.
#6 – 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.
#7 – Nationwide: Best for Safe Drivers
Pros
- Usage-Based Savings: Safe drivers can lower their Toyota auto insurance rates by up to 40% with Nationwide 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.
#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: Travelers offers Toyota drivers minimum coverage for $58 per month and full coverage for $141 a month. Compare Toyota auto insurance quotes in our Travelers auto insurance 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 – Erie: Best for Filing Claims
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 (Read More: 17 Auto Insurance Discounts You Can’t Miss)
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.
#10 – USAA: Best for Military Families
Pros
- Military Perks: USAA offers exclusive benefits and savings for military Toyota drivers and their families.
- Cheapest Full Coverage: Toyota owners pay just $97 a month on average for full coverage with USAA (Learn More: USAA Insurance Review).
- 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.
Frequently Asked Questions
Which insurance is best for Toyota?
Who offers the best auto insurance coverage? The best insurance for a Toyota depends on your needs, but State Farm, Geico, and Progressive are top-rated for their affordable rates, strong customer service, and helpful tools.
Read More: How to Buy Auto Insurance
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.
How much is auto insurance for a Toyota?
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.
Which type of auto insurance is best?
What insurance is better for a car? Full coverage is often the best Toyota car insurance choice, especially for newer models, since it includes liability, collision, and comprehensive protection.
Read More: How to Compare Auto Insurance Companies
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.
How much is CTPL insurance?
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 TPL in Toyota?
TPL stands for Third Party Liability insurance, which covers damage or injury you cause to others while driving your Toyota.
Who is known for 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. Most Toyota drivers pay less, especially with discounts or if they drive safe, low-risk models. What type of car insurance is cheapest? Minimum liability coverage is the cheapest type, but it only covers damage to others and 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. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.
Can I switch auto insurance anytime?
Who are the top five insurance companies?
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