Car insurance for Toyotas
See what Australians are actually paying to insure a Toyota.
Car insurance premiums vary a lot. The best way to avoid overpaying is to compare quotes.
What’s the average cost of Toyota car insurance?
The typical Toyota driver pays $1,376 per year for car insurance. But prices can vary widely, even for the same make and model. The cheapest car insurance quote for Toyota drivers is $198, while the most expensive is $7,618. That’s why it always pays to shop around and compare quotes from different insurers.
How much will it cost to insure my Toyota?
The typical annual cost to insure a Toyota is $1,376, but prices vary significantly depending on your model and personal circumstances. Based on our data, the cheapest Toyota model to insure is the Echo, while the most expensive is the Tundra. Even for the same model, the cheapest quote can be up to 97% less than the most expensive premium. For example, for the HiLux, annual premiums ranged between $198 and $7,618, a difference of $7,420 a year.
“Exactly how much you’ll pay to insure your Toyota will depend on a range of factors, including your Toyota model, your age, where you live and your driving history. Compare online to make sure you aren’t paying more than you need to.”
Adrian Taylor, Chief Executive, General Insurance
A guide to insuring Toyota models
Updated 28 July 2026
Toyota insurance costs by model
| Model | Cheapest | Median | Most expensive |
|---|---|---|---|
| Toyota 86 | $511 | $1,376 | $3,359 |
| Toyota Aurion | $322 | $1,038 | $3,227 |
| Toyota Avalon | $238 | $553 | $1,595 |
| Toyota Avensis | $361 | $905 | $1,865 |
| Toyota bZ4X | $972 | $1,431 | $2,719 |
| Toyota Camry | $198 | $1,375 | $5,481 |
| Toyota Corolla Cross | $506 | $1,111 | $2,818 |
| Toyota C-HR | $373 | $1,260 | $4,825 |
| Toyota Corolla | $198 | $1,183 | $4,874 |
| Toyota Echo | $198 | $550 | $1,483 |
| Toyota FJ Cruiser | $538 | $1,160 | $2,771 |
| Toyota Fortuner | $571 | $1,325 | $3,039 |
| Toyota GR86 | $702 | $1,341 | $2,872 |
| Toyota HiAce | $273 | $1,472 | $5,591 |
| Toyota HiLux | $198 | $1,529 | $7,618 |
| Toyota Kluger | $307 | $1,370 | $4,408 |
| Toyota LandCruiser | $241 | $1,409 | $6,856 |
| Toyota LandCruiser Prado | $267 | $1,338 | $4,583 |
| Toyota Prius | $249 | $1,293 | $4,335 |
| Toyota Prius C | $624 | $1,261 | $3,669 |
| Toyota Prius V | $851 | $1,513 | $3,491 |
| Toyota RAV4 | $198 | $1,199 | $4,857 |
| Toyota Rukus | $394 | $862 | $2,075 |
| Toyota Tarago | $324 | $985 | $2,553 |
| Toyota Tundra | $1,007 | $1,739 | $2,384 |
| Toyota Yaris | $198 | $926 | $3,288 |
| Toyota Yaris Cross | $440 | $1,085 | $2,699 |
Note: These figures reflect indicative quotes for car insurance in Australia, based on quotes completed through Compare the Market between 10 June 2025 and 10 June 2026 and rounded where appropriate. Actual costs may vary depending on model and personal circumstances.
What impacts the price to insure your Toyota?
Factors that can impact the price to insure your Toyota include the model type, the age of the vehicle and the number of kilometres driven every year. Other factors such as age of the driver(s), home address and parking location may also impact your car insurance premiums.
Here’s how each factor can influence your premiums:
- Toyota model. Repairs may be cheaper for common Toyota models than rarer ones. Your insurer could take this into consideration when calculating your premiums.
- Age of the vehicle. Older Toyota cars are more likely to be subject to depreciation than newer cars. As a result, they may be cheaper to insure.
- Age of driver(s). Younger drivers tend to pay higher car insurance premiums than more experienced motorists. Putting an age restriction on your policy may also lower your premiums.
- Kilometres driven every year. Being on the road less could lead to cheaper premiums. Some insurers may also offer low kilometre or pay as you drive policies to motorists who drive below a certain number of kilometres every year.
- Home address. The crime rate of your suburb and its exposure to weather risks (such as flooding) could be considered when insurers calculate your premiums.
- Parking location. Your vehicle is more likely to be damaged if it’s parked on the street than in a secure garage or parking lot.
Premiums will also vary depending on how your insurer calculates these risks. Try our free comparison service to see a range of quotes in just minutes.
"If you don't drive much, a low kilometre policy could be a cheaper option for you.
When you take out a policy, you estimate the number of kilometres you’ll drive. Less driving generally means less risk for the insurer, which can mean a lower premium.”
Adrian Taylor – Chief Executive, General Insurance
Models
How much is car insurance for a Toyota HiLux?
Car insurance for a Toyota HiLux typically costs $1,529 a year, but depending on your circumstances, it could cost much more or much less.
The cheapest quote to insure a Toyota HiLux was $198 per year for a 68-year-old man in New South Wales. But most Toyota HiLux drivers are quoted between $1,087 and $2,067, which highlights the value of shopping around.
Which state is the cheapest to insure a Toyota HiLux?
Typically, drivers in Tasmania pay the least ($1,201) to insure a HiLux, while drivers in Victoria pay the most ($1,769).
HiLux insurance costs by state
| State | Cheapest | Median | Most expensive |
|---|---|---|---|
| ACT | $408 | $1,381 | $2,643 |
| NSW | $198 | $1,544 | $7,618 |
| NT | $629 | $1,685 | $2,951 |
| Qld | $225 | $1,360 | $4,913 |
| SA | $258 | $1,369 | $3,166 |
| Tas | $369 | $1,201 | $3,429 |
| Vic | $207 | $1,769 | $6,603 |
| WA | $206 | $1,282 | $4,804 |
Note: These figures reflect indicative quotes for car insurance for Toyota HiLuxes in Australia, based on quotes completed through Compare the Market between 10 June 2025 and 10 June 2026 and rounded where appropriate. Internal calculations have been applied to this data. Actual costs may vary depending on personal circumstances.
How does my age impact my Toyota HiLux car insurance costs?
Drivers aged between 18 and 24 paid the most to insure a Toyota HiLux, while those aged 65 and older paid the least.
HiLux insurance costs by age
| Age group | Cheapest | Median | Most expensive |
|---|---|---|---|
| 18–24 | $579 | $1,993 | $7,618 |
| 25–34 | $269 | $1,623 | $4,740 |
| 35–44 | $225 | $1,491 | $5,545 |
| 45–54 | $223 | $1,346 | $6,584 |
| 55–64 | $200 | $1,055 | $6,248 |
| 65+ | $198 | $881 | $3,281 |
Note: These figures reflect indicative quotes for car insurance for Toyota HiLuxes in Australia, based on quotes completed through Compare the Market between 10 June 2025 and 10 June 2026 and rounded where appropriate. Internal calculations have been applied to this data. Actual costs may vary depending on personal circumstances.
Do men or women pay more to insure a Toyota HiLux?
Typically, men pay more than women to insure a Toyota HiLux.
HiLux insurance costs by gender
| Gender | Cheapest | Median | Most expensive |
|---|---|---|---|
| Male | $198 | $1,530 | $7,618 |
| Female | $232 | $1,514 | $6,584 |
Note: These figures reflect indicative quotes for car insurance for Toyota HiLuxes in Australia, based on quotes completed through Compare the Market between 10 June 2025 and 10 June 2026 and rounded where appropriate. Internal calculations have been applied to this data. Actual costs may vary depending on personal circumstances.
Our methodology
Why we use the median instead of the average
When we talk about a typical driver, we use the median instead of the mean (the average) because it gives a truer picture of what most people experience. The median is the middle value when all results are ordered from lowest to highest. Averages can be skewed by a small number of very low or very high numbers, but medians stay in the centre.
How we calculate our data
- This data is drawn from quotes completed through Compare the Market that led to a purchase in the 12-month period 10 June 2025 to 10 June 2026.
- When we refer to the cheapest and most expensive policies, we mean the lowest and highest quotes provided over this 12-month period.
- When we refer to insurance costs by state, we mean the state where the car is usually kept, as listed in the quote.
- When we say ‘most users’, we mean the middle 60% of users.
- All data relates to comprehensive policies,
- We only include Toyota models with at least 10 quotes.
How much can Toyota car insurance quotes vary between drivers?
HiLux drivers
| Driver 1 | Driver 2 |
|---|---|
| 50-year-old HiLux driver in Victoria | 21-year-old HiLux driver in Victoria |
|
50-year-old HiLux driver in Victoria
|
21-year-old HiLux driver in Victoria
|
| That’s a $1,464.26 difference between these two HiLux insurance quotes.* | |
*De-identified customer scenarios only. Premiums may vary based on personal circumstances, excess, vehicle details, insurer criteria and other factors. These examples are illustrative only and do not guarantee prices or savings.
Frequently asked questions for Toyota car insurance in Australia
Toyotas are among the cheapest models to insure in Australia, since Toyota is a popular brand and has widely available parts. According to the Australian Automotive Dealer Association, not only were Toyotas the most sold vehicle brand in 2025, but they also had the most dedicated dealerships in Australia.
The cost of a typical Toyota car insurance policy is $1,376 a year, according to Compare the Market’s quote data. However, the cost of your premium can vary a lot depending on the Toyota model you drive and the year it was manufactured. Other risk factors such as your age, driving history and home address will also determine how much you pay for car insurance.
Find out more about the average cost of car insurance.
It costs the typical driver $1,376 a year to insure their Toyota, based on our quote data. But this can vary significantly depending on the model you drive. The Toyota Echo can be the cheapest to insure, with a typical quote of $550 a year, while the Toyota Tundra is the most expensive, at $1,739 a year.
To find out how much it’ll cost to insure your Toyota vehicle, try calculating your quote with our comparison service.
You can save money on car insurance for your Toyota by paying annual premiums, taking advantage of online discounts, driving less and parking in a garage. You may also save on premiums by increasing the basic excess on your policy, but this will also increase the amount you’ll pay at claim time.
Learn more and find out how you could save on your car insurance premiums.
You can get car insurance for a Toyota either directly through Toyota or through a car insurance provider. While Toyota and specific car insurance brands may only have a limited range of policies, a comparison site like Compare the Market offers a range of quotes from several car insurance brands, in just a few clicks.
See if you can find a great deal in minutes with our free car insurance comparison service.
Based on our latest quote data, the cheapest Toyota model to insure is the Echo, with the typical driver quoted $550 a year. However, the model of your car is just one of many variables your insurer will consider when calculating your premiums. The price of insuring your Toyota Echo may be higher or lower than our typical premium depending on your age and driving experience, location, where you park at night and other risk factors.
The insurance premiums for your Toyota can vary a huge amount depending on the model you drive, where you live, your driving history and the level of cover you choose. For example, Toyota HiLux drivers pay less for insurance if they’re women, live in Tasmania or are aged 65 and older. While some of the factors that influence your premiums are outside your control, others aren’t. That’s why comparing policies is so important – it can help you find cover that suits your situation at a competitive price.
Always read the Product Disclosure Statement for full details on inclusions, exclusions and policy terms and conditions for each type of car insurance. The Target Market Determination can also help you figure out whether a product is right for your circumstances.
Toyota insurance premiums can vary by thousands of dollars, even for the same model, so it’s important to compare insurance to make sure you’re getting the coverage you want at the right price. Compare the Market can help you weigh up options from a range of brands and find a policy that suits your needs. If you have an existing policy for your Toyota, comparing a range of brands on one screen may also help you see if you can save money by switching cover.