Compare Toyota car insurance estimates from Australia's leading providers. Whether you drive a HiLux, RAV4 Hybrid, Corolla, Camry, or LandCruiser, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most recognised car insurance brands, backed by IAG. With straightforward policies, competitive pricing, and a strong claims reputation, they are a popular choice for Toyota owners across Australia.
Toyota is Australia's number one selling car brand by a significant margin. The HiLux has been Australia's best-selling vehicle for multiple consecutive years, while the RAV4 Hybrid consistently tops the SUV sales charts. With models ranging from the compact Yaris Cross to the iconic LandCruiser, Toyota dominates roads in every state and territory.
From an insurance perspective, most Toyota models are affordable to insure relative to European and premium brands. Insurers have extensive claims data on Toyota vehicles due to their sheer volume on Australian roads, and the brand's legendary reliability, readily available spare parts, and strong ANCAP safety ratings all contribute to competitive premiums. Use RedBook to check your Toyota's current market value before comparing estimates.
All major Australian insurers cover Toyota vehicles, including AAMI, Allianz, Budget Direct, NRMA Insurance, Suncorp, and Youi. Every Toyota from a brand-new HiLux SR5 to a fifteen-year-old Corolla is straightforward to insure. See our full Australian car insurance comparison for more. Remember, CTP insurance is separate and compulsory in every state.
Estimated annual comprehensive insurance costs for popular Toyota models in Australia. Based on a 35-year-old driver with a clean record in Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Toyota Yaris / Yaris Cross | Hatchback / Small SUV | $18,000-$38,000 | $550-$850 | Low | Affordable city car and small SUV. Among the cheapest Toyotas to insure in Australia. |
| Toyota Corolla | Sedan / Hatch | $15,000-$40,000 | $600-$950 | Low-Mid | One of Australia's perennial best sellers. Hybrid variant available with comparable premiums. |
| Toyota Camry | Sedan | $20,000-$50,000 | $650-$1,000 | Low-Mid | Popular family sedan with strong hybrid sales. Excellent reliability keeps claims costs low. |
| Toyota RAV4 | Mid-size SUV | $30,000-$60,000 | $750-$1,150 | Mid | Australia's top-selling SUV. RAV4 Hybrid is the dominant variant. Strong resale values make agreed value competitive. |
| Toyota Kluger | Large SUV | $40,000-$75,000 | $850-$1,300 | Mid | Seven-seat family SUV. Hybrid model popular. Higher value pushes premiums above RAV4. |
| Toyota HiLux | Ute | $25,000-$70,000 | $800-$1,250 | Mid | Australia's best-selling vehicle. Higher theft desirability and commercial use can increase premiums. Check if commercial cover is needed. |
| Toyota LandCruiser 300 | Large SUV / Off-road | $80,000-$140,000 | $1,100-$1,800 | Mid-High | Iconic Australian off-roader. Very high demand and theft desirability push premiums higher. Agreed value is worth considering. |
| Toyota LandCruiser Prado | Large SUV | $50,000-$90,000 | $900-$1,400 | Mid | Popular towing and touring SUV across regional and outback Australia. |
| Toyota C-HR | Small SUV | $25,000-$45,000 | $650-$1,000 | Low-Mid | Stylish small SUV with hybrid powertrain. Well-priced insurance in the small SUV segment. |
| Toyota GR86 / GR Corolla | Performance | $40,000-$65,000 | $1,100-$1,700 | Mid-High | Performance models with higher premiums due to sports car classification and driver demographics. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. Use RedBook to check your vehicle's current market value. If you've noticed something incorrect, please let us know.
Choose the right level of protection for your Toyota. Note that CTP (Compulsory Third Party) is separate and mandatory in every Australian state.
Covers damage you cause to other people's vehicles or property. Your Toyota is not covered. May suit older Toyotas with low market value, but be aware that even a minor at-fault accident could leave you without a car.
Adds fire and theft protection for your Toyota. A solid choice for mid-value Toyotas worth $5,000-$15,000. Particularly relevant for HiLux and LandCruiser owners given their higher theft desirability.
Full protection for your Toyota including accident damage, theft, fire, storm, hail, vandalism, and third-party liability. Commonly chosen for Toyotas worth $15,000 or more. In hail-prone areas like Sydney, Canberra, and South-East Queensland, comprehensive cover is particularly valuable.
Understanding these factors can help you find more competitive Toyota insurance in Australia.
A Corolla hatch is significantly cheaper to insure than a LandCruiser 300 or GR Corolla. Higher values and performance classifications increase premiums. HiLux premiums also depend on whether it is used privately or commercially.
Under-25 drivers pay noticeably more. A clean driving record with no at-fault claims and no demerit points will attract the best rates from Australian insurers.
Premiums vary by postcode. Metro areas like Sydney, Melbourne, and Brisbane typically cost more than regional centres due to higher traffic density and theft rates. Garaging your Toyota overnight is viewed favourably.
The HiLux and LandCruiser are among Australia's most stolen vehicles. Factory immobilisers are standard, but aftermarket GPS trackers and steering locks can help reduce premiums for high-theft models.
Australian insurers offer discounts of up to 65% for claim-free years. Some providers offer no-claims discount protection so that a single claim does not reset your rating.
Bull bars, lift kits, canopies, and tray modifications must be declared. Aftermarket mods can increase premiums and may affect your claim if not disclosed. Standard Toyotas are the cheapest to insure.
Practical ways to reduce your Toyota insurance premium without sacrificing important cover.
Toyota premiums vary by $300 or more between insurers for identical cover. Use insurancecompared.com.au to see estimates from AAMI, Allianz, Budget Direct, NRMA, Suncorp, and Youi side by side.
Raising your excess from $500 to $1,000 can save 10-20% on your annual premium. Only choose this option if you can comfortably afford the higher excess in the event of a claim.
Most Australian insurers charge a loading for monthly instalments. Paying upfront each year can save 5-10% on a Toyota policy.
Insuring your Toyota alongside your home or contents insurance with the same provider can unlock multi-policy discounts of 5-15%.
Adding young or inexperienced drivers increases premiums significantly. Only list drivers who regularly use your Toyota.
Garaging your Toyota overnight - particularly if you own a HiLux or LandCruiser - can reduce your premium. Let your insurer know about secure parking and any aftermarket security devices.
Key facts about Toyota vehicle security and safety performance for Australian owners.
Certain Toyota models feature prominently in Australian theft statistics. The HiLux, LandCruiser, and Corolla appear on the National Motor Vehicle Theft Reduction Council most stolen lists due to their popularity and strong parts demand. Modern Toyotas have significantly improved security, but older models remain more vulnerable.
Toyota has a strong safety record across its Australian range. Toyota Safety Sense - including pre-collision system, lane departure alert, adaptive cruise control, and road sign assist - is standard on most current models, helping reduce both accidents and insurance premiums.
Common questions about insuring your Toyota in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. All estimates are indicative and based on publicly available data. Insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit MoneySmart.gov.au. InsuranceCompared.com.au does not issue, arrange, or underwrite insurance. Insurers are regulated by ASIC and APRA.
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