Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Which Toyota Models are Cheapest to Insure?

Toyota is one of the most popular vehicles in the United States. Whether you own a Prius, Sedona, Tundra, Camry, or a sporty Toyota 86, it’s important to find the best auto insurance policy with ideal coverage levels to suit your financial situation. Depending on the type of vehicle you plan to buy or already own, some Toyota models are more expensive to insure than the average vehicle. The Sequoia, Sienna, and Highlander are approximately $150 more to insure than the average vehicle. However, the Corolla and RAV4 are cheaper to insure than average rates. If you shop around, you will find that great deals on auto insurance are out there. That’s why has a Toyota car insurance directory of rates, so you know beforehand what it will cost to insure a Toyota.

How Much Does it Cost to Insure a Toyota?

The average cost to insure a Toyota is $1,514 per year (approximately $126 per month) for a full coverage policy. This falls just 6% above the national average insurance cost for all vehicles. However, if you select Erie, Progressive, or State Farm as your auto insurer, you could pay less than average: Erie’s rates on most newer Toyota models fall below the $1,000 per year range for a full coverage insurance policy. Progressive’s and State Farm’s rates fall in the $1,000 to $1,200 per year range, still well below the $1,514 average. On the other hand, Toyota’s insurance rates from Liberty Mutual are near-double average. Several Toyota models offer bargain insurance rates, including the Yaris at $1,033 per year and the Corolla at $987 per year.

Toyota’s Usage-Based Insurance & Telematics Program – BrightDrive

In 2020, Toyota also introduced its own insurance coverage, known as BrightDrive. Toyota owners can enroll in BrightDrive’s usage-based insurance or telematics program. BrightDrive monitors your driving habits to more accurately calculate your insurance rates. Drivers who qualify for the program can earn up to 40% discounts, depending on their safe driving habits. Currently, BrightDrive is only available in (click on the link for state’s cheapest rates) Arizona, Maryland, New Mexico, Ohio, Pennsylvania, Texas, and Virginia, with Toyota having plans to add more states in the future.

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