Toyota car insurance

There are 50 car insurance groups, ranked 1-50. Insurers see vehicles in higher groups as 'risky' vehicles. So, if your car is in a high group, your insurance could be more expensive.

Toyota insurance groups range from 1 to 48. For example, a Toyota Aygo could fall into groups 2-7, depending on the car’s specs. But a Yaris could be as high as group 39 depending on the model.

Which group your Toyota falls into depends on:

• The value of the car: More expensive cars are normally in higher insurance groups.
• Its security features: Anti-theft features sometimes mean cars are in lower groups.
• Its repair costs: The more expensive a vehicle is to fix, the higher the group it’ll be in.
• Its power: Cars with fast acceleration or higher top speeds are normally in higher groups.
• Its safety features: Having features like ABS can make cars safer, meaning they’re in lower groups.

You can use our handy car insurance group checker to quickly see what insurance group your Toyota is in.

There are several factors that can affect the price of the insurance on your Toyota including your age, location and driving history. But there are still ways you can try to reduce the cost:

Estimate your mileage accurately.

Drivers who estimate a higher annual mileage may find their policy costs more as they will be seen as higher risk as they are on the roads more. Our customers drive 6,574 miles per year, on average⁽²⁾. If you don't expect to drive very much, you might benefit from a pay as you go policy.

Improve your car's security

By adding things like a steering wheel lock, car tracker, or immobiliser it can reduce the chances of your Toyota being stolen. You can also reduce the risk of car theft by parking your car in a secure garage if you are able. This is likely to reduce the cost of your insurance compared to parking on a dimly lit street, for example.

Build up your no-claims bonus (NCB)

Your NCB increases each year you're insured without making a claim. Insurers often offer discounts that increase with each year of no-claims you build up. Some policies offer NCB protection as an optional extra to help you keep your bonus even if you need to make a claim. This means you can make a certain number of no-fault claims in a year and not lose your NCB.

Pay annually rather than monthly.

Paying annually could save you up to 40%⁽²⁾ on your car insurance. This is because when you pay monthly, insurers will add interest to the total price. 

Add a named driver

Young drivers could find this especially helpful in reducing their premium. Adding one driver to your policy can help reduce your price by up to 23%⁽²⁾ But you need to be honest about who the main driver is or you could be accused of 'fronting' which is illegal and likely to result in your insurance policy being invalidated.

Increase your voluntary excess

The higher your excess, the lower your premium is likely to be. The most popular excess is £250, but if you can afford to increase it, you might reduce your overall price.

Shop around and compare quotes

Make sure you're getting the best deal for your car insurance by comparing prices. We've found that the best time to buy your policy could be around 20 days before your renewal date⁽²⁾.

⁽²⁾Confused.com price index data, Q4 2024