Toyota car insurance

Toyota Hilux on a beach, driving with Toyota car insurance.
Photo by MeSSrro on Unsplash

The votes are in, and Aussies simply love Toyotas. Various Toyota models have once again dominated the last year of new car sales in Australia.

According to carsguide.com.au there were 45,176 new Toyota Hiluxes sold in 2020, which topped the sales list. Toyota Corollas and RAV4s also featured in the top five, making Toyotas collectively account for more than half the sales of the five most popular car models.  

Having these three Toyota models rank so highly shows the variety of Australians looking for new cars. You might be after a zippy Corolla for everyday city driving, looking for a family-friendly ride like a RAV4 for roomy road trips, or in the market for a Hilux to meet your utility vehicle needs while maintaining cruising comfort. 

Whether you currently drive one of these beauties or are considering buying one, you’ll want the best car insurance for a Toyota. There are a huge range of things that can affect car insurance costs, so a Toyota car insurance quote may differ considerably for different drivers and cars.

So you can get a rough idea of the costs, Mozo has investigated insurance quotes for a wide range of customer scenarios to bring you indicative annual premium pricing for Toyota car insurance. 

How much does it cost to insure a Toyota Corolla? 

Mozo analysed more than 9,000 example Toyota Corolla insurance quotes to answer some of your main car insurance questions. Based on 2020 data, the average quote range for annual comprehensive car insurance for a Toyota Corolla in Australia was between $412 and $1,500. These numbers represent the highest and lowest indicative price ranges. 

This might seem like a pretty huge variation, but this assessment is unavoidable when it comes to car insurance, as premium price is inextricably linked to your personal and car details. Essentially, every car insurance quote is tailored to you and your car.

Other key stats for Toyota Corolla Insurance costs:

  • Age of driver: Mozo’s data shows Corolla drivers aged 16-25 are quoted the highest insurance premiums, between $699 and $2,529. Over 55s were the cheapest with annual car insurance costs between $353 to $705.
  • Gender of driver: Males actually received a slightly lower quote (by $7) in the cheapest insurance range, but were on average being quoted $68 more than women in the higher range.
  • State by state differences: Mozo’s data shows Corolla drivers in Victoria and Western Australia will pay between $509 and $1,936 for comprehensive cover, while Tassie drivers are looking at much lower premiums between $336 and $998.
  • Car colour: While silver Corollas were the most affordable to insure in the lower bracket ($386) they topped the price for the higher insurance bracket at $1,704. If we do look at this in terms of flat averages, Green Toyota Corollas got the cheapest insurance quote ($834) while Yellow Corollas were the most expensive ($985).

Let’s look at and compare some other Toyotas. 

How much does it cost to insure a Toyota Camry? 

If you're more of a sedan driver, you might be considering a Toyota Camry. Among Mozo’s analysis of Toyota car insurance options, we assessed more than 8,000 example Toyota Camry insurance quotes.The average quote range for your yearly Toyota Camry comprehensive car insurance was between $402 and $1,583.

Other key stats for Toyota Camry car insurance costs:

  • Age of driver: Mozo’s data shows Camry drivers aged 16-25 are quoted the highest insurance premiums, between $716 and $2,180, while over 55s were quoted the cheapest price ranges between $329 to $975.
  • Gender of driver: Male Camry drivers were quoted higher across the board, with their average price ranges sitting between $446 and $1,686. Meanwhile, women were quoted between $354 and $1,387 on average.
  • State by state differences: Mozo’s data shows Camry drivers in Victoria will pay the most on average for comprehensive car insurance, between $594 and $2,026, while Tassie drivers are looking at lower premiums between $335 and $1,027.

How much does it cost to insure a Toyota Hilux? 

If you need a few extra cylinders in your engine, a Toyota Hilux might be on your motorist wish list. Mozo crunched the numbers to find a car insurance premium range for Toyota Hiluxes. From more than 10,000 example quotes, Mozo found the average cost range for comprehensive Toyota Hilux car insurance was between $512 and $2,214.

Other key stats for Toyota Hilux car insurance costs:

  • Age of driver: Mozo’s data shows Toyota Hilux drivers aged 16-25 are hit with the highest insurance quote, between $781 and $3,302. Meanwhile the over 55s are the age group with the cheapest car insurance costs, with annual premium ranges between $392 to $1,333.
  • Gender of driver: If you’re a male Hilux driver you’ll be looking at slightly high insurance premium ranges between $526 and $2,268. Female drivers are paying with the range of $471 and $2,019.
  • State by state differences: According to Mozo’s quotes data, Hilux drivers in South Australia and Northern Territory are paying the highest premiums, while Tasmanians are getting the cheapest deal. Between these states, there’s a $241 difference in the lower bracket insurance range and a massive $499 difference in the upper bracket

How much does it cost to insure a Toyota RAV4?

Looking for a bigger family car? A roomy RAV4 is perfect for road trips and extra luggage, and Mozo’s got the low-down on how much RAV4 insurance costs. According to our data based on more than 4,000 example RAV4 comprehensive car insurance quotes, we found the average premium range was between $449 and $1,499.

Other key stats for Toyota RAV4 car insurance costs:

  • Age of driver: Mozo’s data shows RAV4 drivers aged 16-25 are quoted the highest insurance premiums, between $673 and $2,608, and those with the cheapest quotes between $376 and $1,118 were over 55. 
  • Gender of driver: Male RAV4 drivers were quoted slightly higher insurance premiums, with average price ranges between $458 and $1,589. Female RAV4 drivers were quoted between $441 and $1,399 on average.
  • State by state differences: When it comes to the higher insurance bracket, WA RAV4 drivers were quoted the cheapest premiums at $1,311 while NSW and ACT drivers were quoted the highest prices at $1,736. In the lower bracket, Tasmanians drove home with the cheapest car insurance quote of $383 while Victorian RAV4 drivers were slapped with the highest quote of $629.

What might impact your Toyota insurance costs? 

Like insurance policies for other vehicle makes and models, there are a range of factors influencing your Toyota car insurance quote. This can include:

Your age. Generally, young or inexperienced drivers will be charged a higher premium, as they are statistically riskier drivers and thus more likely to potentially make a car insurance claim. 

Your gender. Similarly, male drivers are usually seen as riskier on the roads than their female counterparts, and will be hit with a slightly higher premium. 

Your postcode. Where you live can impact your Toyota car insurance quote, as different states, cities and even suburbs can have very different road crash statistics and crime levels and thus be seen as riskier places to drive and park your car. 

Your car’s colour. It may sound superficial, but the colour of your car can affect your insurance premium. This comes down to things like colour influencing visibility and thus impacting crash risk, or the probability that a certain colour car might be stolen. 

So, are Toyotas expensive to insure? 

In the scheme of things, you may be able to find relatively affordable car insurance for Toyotas in Australia. Mozo’s 2020 Car Insurance Report found the national average cost of comprehensive car insurance was $952. 

For comparison, if you were to find an average within the annual price ranges of car insurance for the Toyota models they would be:

  • $918 for Toyota Corolla car insurance
  • $993 for Toyota Camry car insurance
  • $1,363 for Toyota Hilux car insurance
  • $974 for Toyota RAV4 car insurance

At the end of the day, the best insurance for a Toyota really depends on what kind of driver you are and various factors about your car like what model it is, its age, if you’ve modified it in any way, the condition it’s in and its overall value.

Compare comprehensive car insurance options with Mozo before heading out to find a Toyota car insurance quote to suit your wheels and budget.

Looking to buy a Toyota? Check out Mozo's ultimate guide to financing a Toyota

Or do you drive after a different ride? We've got the low-down on car insurance for your Mercedes-BenzBMW car insurance and Mazda car insurance.

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