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Toyota vehicles are popular with U.S. drivers who want a car they can count on for the long haul. In fact, Toyota sold more cars in 2024 than any other make, and the RAV4 is the top-selling SUV in the country, according to Edmunds. If you're considering buying a Toyota, you'll also be glad to know that average car insurance rates for Toyota models sit slightly below the national average.
Some car insurance companies offer especially cheap premiums for Toyota cars, including USAA, GEICO, and State Farm. For example, GEICO charges an average monthly premium of just $97 for full coverage on a Toyota Sienna. We evaluated premium data, third-party ratings, and coverage information to find the best Toyota car insurance companies, so you can be sure you have affordable coverage before getting behind the wheel.
Bear in mind, Toyota operates an insurance agency and sells its own policies designed for Toyota cars in select states. The company wasn't included in the premium data we used, but it's worth getting a quote if Toyota Auto Insurance serves drivers in your state. We recommend getting Toyota car insurance quotes from a handful of insurers before buying a policy.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
Compare Toyota auto insurance quotes
| Company name | Best/Excellent for | Range of average monthly full coverage premiums | Range of average monthly liability-only premiums |
| GEICO | Affordable premiums and discounts | $97 - $123 | $45 - $57 |
| USAA | Military | $82 - $104 | $39 - $50 |
| State Farm | Customer satisfaction | $98 - $124 | $46 - $58 |
| Allstate | New Toyota owners | $109 - $138 | $51 - $65 |
| Progressive | Coverage options | $126 - $160 | $82 - $104 |
| Data sourced from Insurify | |||
GEICO
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 692/1,000 (study average of 697/1,000)
- BBB: Not accredited
- NAIC complaints: 0.75 (Fewer than expected for company size)
Of the national auto insurance companies available to everyone, GEICO offers the cheapest rates on average across Toyota models for drivers with a clean record. The company also offers a long list of discounts to help you save money on car insurance, including a new vehicle discount and a generous multi-vehicle discount.
GEICO only offers a few coverage add-ons, but one option is mechanical breakdown insurance, which is similar to an extended warranty and may appeal to new Toyota owners. The company's usage-based program, DriveEasy, is highly-rated by J.D. Power, though GEICO as a whole rated just below average in J.D. Power's 2024 U.S. Auto Claims Satisfaction Study.
- Second-cheapest average premiums for good drivers
- Highest financial strength grade from AM Best
- Highly-rated usage-based program
- Below-average claims satisfaction rating
- Fewer coverage add-ons than many competitors
- High premiums for DUI drivers
Learn more in our GEICO review.
USAA
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 726/1,000 (study average of 697/1,000)
- BBB: Not accredited
- NAIC complaints: 1.31 (More than expected for company size)
USAA offers the cheapest premiums for Toyota cars across drivers with a clean record. Liability-only coverage is especially cheap with average rates starting at $39/month for the Toyota Sienna. USAA also offers car replacement assistance coverage, which is helpful if you have a brand new Toyota. But the company only offers auto insurance to military members, veterans, certain federal employees, and their immediate families.
If you are in the military, you can get unique discounts if you're deployed or storing your Toyota for another reason. USAA also offers a new vehicle discount and savings for anti-theft devices. The company gets high marks for financial strength and claims satisfaction.
- Highest financial strength grade from AM Best
- Usage-based program that saves you up to 30%
- High J.D. Power rating
- Must be eligible for USAA membership to get car insurance
- High NAIC complaint index
- Not BBB-accredited
Learn more in our USAA review.
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State Farm
- AM Best: A++ (Superior)
- J.D. Power claims satisfaction: 710/1,000 (study average of 697/1,000)
- BBB: Not accredited
- NAIC complaints: 0.84 (Fewer than expected for company size)
State Farm stands out for customer satisfaction among the auto insurance companies that offer relatively cheap premiums for Toyota vehicles. State Farm is ranked above-average by J.D. Power for claims satisfaction and has a low complaint index with the NAIC, which means policyholders file fewer complaints about the company than other companies with a similar market share.
In a separate J.D. Power study that more broadly measures customer satisfaction, State Farm ranked above-average in nearly every region except for the Mid-Atlantic.
I use State Farm for my auto insurance, primarily due to the low rates and generous multi-policy discount. I've found that the claims process is quick and easy with the award-winning State Farm mobile app, that auto shops in the company's repair network offer great pricing and customer service, and that State Farm's emergency road coverage service is superior to other companies.
- Excellent third-party ratings for financial strength and customer satisfaction
- Every policyholder gets a dedicated insurance agent
- Offers vehicle safety and anti-theft discounts
- Doesn't offer gap insurance or new car replacement coverage
- Doesn't offer a new vehicle discount
- Not BBB-accredited
Learn more in our State Farm review.
Allstate
- AM Best: A+ (Superior)
- J.D. Power claims satisfaction: 691/1000 (study average of 697/1,000)
- BBB: Not accredited
- NAIC complaints: 1.02 (About expected for company size)
Allstate offers new car replacement coverage on Toyota models two years old or less, which helps you buy a brand new Toyota if your car is totaled at a depreciated value. The company also offers a discount for new vehicle owners, along with discounts for anti-theft devices and anti-lock brakes, which may reduce the cost of a policy.
However, Allstate has a below-average J.D. Power rating for claims satisfaction, and the company is currently the defendant in a lawsuit brought by the Texas Attorney General for using and selling data collected through secretly-embedded software on mobile phones. The action is still pending, but if you have concerns about customer satisfaction, you may want to choose another company.
- Offers new car replacement coverage
- Offers Extended Vehicle Care for when your warranty ends
- Affordable premiums plus new car discounts
- Below-average J.D. Power rating for claims satisfaction
- Pending government action for inappropriate data collection
- Poor Trustpilot rating
Learn more in our Allstate review.
Average rate:
Progressive
- AM Best: A+ (Superior)
- J.D. Power claims satisfaction: 672/1000 (study average of 697/1,000)
- BBB: Not accredited
- NAIC complaints: 0.97 (About expected for company size)
Of the more affordable car insurance companies for Toyota owners, Progressive offers the broadest range of coverage options, including loan/lease payoff coverage for new car owners and vehicle protection for non-accident-related repairs.
Policies with collision coverage also include pet injury coverage, which pays for up to $1,000 in veterinary bills after an accident. Progressive even offers a trip interruption add-on for avid road trippers.
However, Progressive has one of the worst claims satisfaction ratings from J.D. Power and is ranked below-average in every region for general customer satisfaction. The company also charges high rates for liability-only insurance on Toyota cars relative to its competitors.
- Wide range of coverage options, including gap insurance
- Small accident forgiveness included with every policy
- Offers several payment discounts
- Poor customer satisfaction ratings by J.D. Power
- Liability-only premiums are expensive
- Some drivers see rates increase with usage-based program
Learn more in our Progressive review.
How to choose Toyota car insurance
- Consider your coverage needs: Decide which types of coverage you need for your Toyota. For example, you may want gap insurance or new car replacement coverage if you're buying a new Toyota or leasing, and you'll need rideshare coverage if you use your Toyota to drive for Uber or Lyft.
- Compare car insurance quotes: Since each auto insurance company prices policies differently, shopping around can help you find the best deal. Collect auto insurance quotes from at least three different companies. Make sure to input the same level of coverage to compare premiums apples-to-apples.
- Review discount opportunities: Most auto insurers offer a number of discounts. If you have homeowners or renters insurance, you may want to check whether your current insurer offers a multi-policy discount for adding auto coverage. You can also seek discounts for young drivers, low mileage, new vehicles, maintaining a clean driving record, and more.
- Check third-party ratings: Before choosing a car insurance company, research third-party ratings from AM Best and J.D. Power. You can also find customer reviews on sites like Trustpilot and the Better Business Bureau. Keep an eye out for any concerning patterns of complaints.
- Evaluate the claims process: Make sure you understand how the claims process works. Check whether the company offers mobile app claims or 24/7 claims processing, and determine what the typical timeline for reimbursement looks like.
- Decide whether you'll enroll in a usage-based program: Some auto insurers offer usage-based programs. You can often earn a discount for enrolling and potentially lower your monthly car insurance premium based on your driving habits and mileage. If you're interested, evaluate the program before buying a policy. For example, check whether there's a risk of a rate increase.
FAQs
What is the best car insurance for a Toyota?
The best car insurance for a Toyota depends on your coverage needs, so it's best to compare options from different companies. Since factors like your location and age will impact your premium, it's a good idea to compare pricing from multiple auto insurance providers as well. USAA, GEICO, and State Farm offer the most affordable insurance rates on average, according to data from Insurify.
Are Toyotas more expensive to insure?
Average car insurance premiums for Toyota vehicles are just slightly lower than the national average for all makes and models, according to Insurify data. Some Toyota models are more expensive to insure than others — for example, insurers charge relatively high premiums for the Toyota Corolla, likely due to high theft rates.
Who typically has the cheapest car insurance?
While rates vary from one policyholder to the next, Auto-Owners offers the cheapest premiums for full coverage and liability-only insurance on average. USAA also offers cheap premiums for military members and veterans. Of the national insurers that don't restrict coverage to members, GEICO offers the cheapest car insurance on average.
Bottom line
The average cost to insure a Toyota is $188 per month for full-coverage auto insurance, according to Insurify data. Several of the best car insurance companies offer more affordable coverage for Toyota models, including GEICO, USAA, and State Farm.
Before choosing a company, make sure to compare customized rate quotes, ask about discounts, and check that you can get the coverage you need.
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