Best Car Insurance for Toyota 2022
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The car is a Toyota, a company known for having high-quality and reliable cars. This car is the perfect fit for you and your family because it was created to help you do things you love. Enjoy driving around town or taking off for a scheduled vacation, because you can rely on your Toyota to give you a smooth ride every time.
Toyota drivers pay an average of $1,741 per year to insure their car. But the Toyota Corolla XRS costs $1,444 more per year to insure than a Sequoia Platinum.
Here's what drivers pay when they switch with Carlay
Here are some real quotes from Toyota customers who saved money when they purchased insurance through Carlay.
|Quote Date||Car||City, State||Zip Code||Age||Carrier||BeforeCarlay||AfterCarlay|
|August 4, 2021||Toyota Camry LE||Warrenton, NC||27589||46||National General||$184/mo.||$61/mo.|
|September 16, 2021||Toyota Avalon XL||Pulaski, VA||24301||49||Mercury||$275/mo.||$77/mo.|
|August 2, 2021||Toyota Camry LE||Lawrenceville, GA||30046||46||National General||$200/mo.||$92/mo.|
|May 17, 2021||Toyota Camry Base||Katy, TX||77449||29||Progressive||$190/mo.||$144/mo.|
|July 6, 2021||Toyota Camry LE||Euless, TX||76040||20||Progressive||$183/mo.||$156/mo.|
Best insurance carriers for your Lexus
- Pricing and Reviews
Wondering why your friends pay so little for the exact same coverage? Your demographics, driving record, and location—they're all factors that insurance companies consider when setting their premiums. But since each company weighs the factors differently, your rates for the exact same coverage could vary widely between insurers. Toyota owners can save money on their insurance by going with Aspire Advantage, whose annual premium is only $1,493.
Other popular Toyota auto insurance providers are as follows:
Nationwide is a great choice for safe drivers and tech-savvy shoppers. Their online platform, mobile app, and website are intuitive and easy to use. Plus, they have an excellent claims team in case of emergencies- deserving a 4.6 rating from Carlay.
Have you ever heard of Progressive? They're known for their financial strength and numerous coverage options. If you're tech-savvy or a higher-risk driver, Progressive might be a good option. Also known for being a large, reputable carrier, it gets a solid 4.6/5 rating from Carlay.
Kemper offers car insurance for high-risk drivers and drivers who have had their license suspended, so you won't have to shop for a new policy if you're unable to get one from other companies. It even sells SR22 forms when needed, and it offers insurance for rebuilt vehicles that were previously totaled. Carlay gives Kemper a 4.3/5 rating.
If you hunt for the best car insurance for young drivers, look no further than Safeco. The agency has provided affordable coverage, and it's especially well suited for drivers who haven't had any claims in a while or those with a clean driving record. With a 4.5/5 rating from Carlay, Safeco is an excellent choice for ensuring your family's safety on the road.
The Allstate car insurance company is one of the most trusted names in the business, offering a wide network of agents and repair shops as well as digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Carlay gives it 4.5/5 stars for being reliable, comfortable, and easy to drive.
Travelers is one of the best insurance companies for drivers, covering you for everything from minor mishaps to major accidents. In addition to offering safe driver and good student discounts, it offers attractive add-on packages for drivers, including roadside assistance and rental car reimbursement. Travelers comes in 4.7 stars out of 5 on Carlay rates.
Are you looking for car insurance that will keep you safe without breaking the bank? State Auto is where it's at. This top-rated insurer offers a huge range of coverage options, many of which are available as add-ons to ensure you get the most bang for your buck: roadside assistance and fuel delivery, rental reimbursement, and more.
National General is a nonstandard carrier specializing in insurance for high-risk drivers. They provide top-quality coverage with an unparalleled claims satisfaction guarantee. If you're unhappy with your claims experience, they will waive your deductible up to $250. Carlay gives National General a rating of four-and-a-half stars out of five.
Dairyland offers a wide range of auto insurance products, but it's popular for one reason: its flexible payment plans. With Dairyland, you can pay for your policy in monthly installments or in one lump sum. Dairyland also caters to high-risk drivers. Its flexible payment plans and 24/7 live claims support in almost 40 states are among the reasons why Carlay rates Dairyland 4.6/5.
Clearcover stands out for its tech-based business model. Its award-winning app enables you to instantly file claims instantly, pay your bill and view your proof of insurance—all while keeping communication online. That's why more drivers want Clearcover for their car insurance, knowing that they are protected by their chosen brand when it matters most. Clearcover rates Carlay a 4.1 out of 5.
- How to compare prices to find the most affordable coverage
Finding the right car insurance coverage for your needs can be a daunting task, but with only a few simple steps you can compare quotes from top-rated auto insurance providers, which could save you hundreds of dollars per year on your policy!
When looking for car insurance, it's important to not only choose a good deal but also a policy that provides the coverage you need. A cheaper car insurance policy doesn't guarantee that you're getting better coverage. It's wise to do some research to make sure you have all the coverage necessary should an incident occur.
Some insurance companies offer online quotes so you can go to their website and fill out a form to get a quote. But if you've ever done this, you know how monotonous and time-consuming it can be. You can spend an hour entering in your information and when you click submit all you get is a phone number to call!
Carlay helps you compare car insurance quotes from the major insurers so you can find the best deal within minutes. Over 2 million people trust Carlay to save money on their car insurance. Best of all, you can get a quote in less than a minute from the top auto insurance providers.
Once you decide on a plan, Carlay handles the rest—you won't have to lift a finger to finalize your new plan or cancel your old one! Carlay is the only car insurance company that reviews your policy every 6 months to ensure you're getting the coverage you need and want at the best price. So if something changes and you want to switch, you can do that. Or if you just need more or less coverage, Caraly works with you.
Here are the car insurance rates that Carlay customers paid before and after switching to us:
|Rank||Company name||Avg. Annual Premium|
Carlay is here to help you find the right insurance policy for your needs. Our app quickly and easily shows you quotes from multiple companies, so you can choose the one with the best rates.
Cost of insuring an Toyota
- Cost of insuring with minimum coverage and full coverage
If you drive a Toyota, the average annual insurance premium is $1,725 for minimum car insurance and $2,449 for full-coverage insurance. When you add up the cost of all car makes and models, the average insurance premium in the US is $1,783 per year for minimum car insurance and $2,485 for full-coverage. Your cost to insure your Toyota will depend on the coverage you choose. In most states, you're required to carry certain types of coverage in order to drive legally.
Here's what your state might require you to have:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
Toyota recommends that you purchase extra protection for your vehicle; however, if you'd rather not spend more money, the minimum will be enough for basic coverage. A minor accident can result in thousands of dollars of damage and medical bills, but if you're at fault and don't have sufficient coverage, you'll be responsible for paying them out of pocket.
You should buy full-coverage insurance if you can't afford to replace your car in the event of a total loss. You must also purchase this type of coverage if you lease or finance your Toyota. A full-coverage policy usually refers to a policy that includes collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here's how much it costs to insure a Toyota with minimum coverage versus full coverage before and after switching with Carlay.
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,370|
|All Coverage AfterCarlay||$1,608|
|Minimum Coverage BeforeCarlay||$2,389|
|Minimum Coverage AfterCarlay||$1,484|
|Full Coverage BeforeCarlay||$2,547|
|Full Coverage AfterCarlay||$1,840|
- Cost of insuring based on age and driving record
The amount you pay for auto insurance will also depend on your age and driving record. These are both important factors that show how experienced you are behind the wheel and how likely you are to be in an accident. If you are an older driver with lots of driving experience, you will probably pay less for insurance.
Insurance companies also consider your driving record when deciding whether to provide coverage. While small violations like speeding and failing to stop may not have a large impact, charges like driving under the influence (DUI) and careless driving will cause your insurance premium to skyrocket. Luckily, the news isn't all bad! Your premiums are likely to go down if you maintain a clean record and drive more safely.
There are a few factors that affect insurance rates for Toyotas by age group, including accidents and violations:
Factors like your driving record, age, and insurance coverage needs can affect how much you pay for auto insurance.
- Cost of insuring popular models
Toyota has many models, and insurance rates will vary depending on the one you own. Repair and replacement costs are different for a Corolla than they are for a Tundra. When you purchase a more expensive car, the insurance company will likely require a bigger payout in case of an accident—which means higher premiums for you.
Regardless of what type of car you drive, Carlay will help you save money on your auto insurance. You can download the app, answer a few questions and in less than 45 seconds, Carlay gathers all of your information from your existing insurer.
Thanks to Carlay, you can choose from up to 45 leading insurance companies and get a quick and easy quote. Then we take care of the rest—securing your new policy and canceling your old one. All you have to do is save money. Carlay users save an average of $879 a year on car insurance.
Here are some links to information on the subject of car insurance costs for various popular makes:
Your car model affects the cost of your insurance. The more expensive the car, the higher the premiums usually are.
- Cost of insuring your Toyota by year
Most and least expensive years of car
Toyotas have a depreciable value and that means that older models tend to be less expensive to insure than newer ones. Edmunds says a new car loses 23.5% of its value after the first year and 60% of its value in the first five years. The lower your car's value, the less expensive it is to repair or replace when you need to make a claim. That usually translates to insurance savings.
People with newer cars tend to lease or finance them, which requires full coverage insurance. You'll pay more for full coverage than for state-mandated minimum insurance. Carlay's internal data shows that the cheapest years for Toyotas are 1983 and 1986. Toyotas are at their most expensive in 2022 and 2021.
|Year||Average Cost||Annual Savings withCarlay|
Toyotas made in the past are usually less costly to repair or replace than newer models and are not often leased or financed. As a result, insurance premiums are usually lower for older Toyotas.
- Cost of insuring a Toyota in your city
When shopping for auto insurance, keep in mind that different areas have different rates for the same car. This is because insurance companies factor your location into your premium, which means rates for Toyotas can vary from place to place—even within the same state! This is because each area has different accident rates, crime rates, and even incidences of natural disasters.
All insurance companies use factors like the number of thefts, collisions, and severe weather events in their communities when determining your policy. According to our data, Toyota drivers are extremely common in cities including Houston (TX), Los Angeles (CA), Burke (VA), Jacksonville (FL), and Atlanta (GA). To find the best car insurance for Toyotas in Carlay, users should shop for insurance in Ashland (VA) and Niederwald (TX). The most expensive car insurance for Toyota users in Carlay, IL; New Hampton, (NY); and Lynchburg (SC).
|City||Average Cost||Annual Savings withCarlay|
|Goose Creek||$2,989||$649||Compare Prices|
|Los Angeles||$3,068||$1,089||Compare Prices|
|San Antonio||$2,586||$689||Compare Prices|
When you live in an area with high rates of theft, collisions, or severe weather events, your car insurance will most likely be more expensive.