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Compare Toyota car insurance in the UK

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Toyota vehicles are renowned for reliability, but insuring these popular family cars still carries a cost. This guide examines Toyota car insurance rates in the UK and provides tips for finding affordable cover.

How much does it cost to insure a Toyota?

Annual Toyota insurance premiums typically range from £400 for basic third-party policies to more than £900 for fully comprehensive cover. Rates depend on the specific model, driver details and intended use.

Factors that increase Toyota insurance costs include:

  • Engine size: Vehicles with larger engines have higher premiums
  • Performance models: GRs, hybrid and plug-in hybrid variants can cost more to insure than standard editions
  • No-claims discount (NCDs): Policies without NCDs cost more
  • Driver age: Under-25s pay the most, while over-25s with experience pay less
  • Location: Inner cities have higher premiums than rural areas. Where the car is parked also matters
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What factors determine Toyota insurance cost?

In calculating premiums, insurers mainly examine:

Driving record

Recent accidents, traffic violations and disqualifications raise rates substantially. A clean record lowers costs.

Vehicle use

Daily driver policies cost more than those covering occasional recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for approved security devices and secure garaging, which help prevent theft and damage claims.

Coverage limits

Lower coverage levels reduce premiums but leave drivers exposed if a major claim occurs. Finding the right balance is key.

Tips for reducing Toyota insurance premiums

Here are some top ways to get cheaper Toyota insurance in the UK:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers and advanced courses
  • Increase voluntary excess to £500 or more to lower premiums if you can afford the extra costs when claiming
  • Add an experienced second driver, such as a partner or parent, to benefit from their good record
  • Limit your Toyota to recreational use rather daily use, if possible.
  • Improve security with an approved alarm and immobiliser. Also ensure garaging.
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Finding the best Toyota insurance

The keys to finding affordable Toyota cover are shopping around, minimising risk factors and leveraging available discounts. Taking the time to compare specialist Toyota insurers on comparison sites yields the best savings.

Toyota insurance FAQs

Toyotas typically fall into insurance groups 1 to 30 depending on the model and engine specifications. More powerful models sit in higher groups.

Toyotas have a well-earned reputation for reliability, dependability and low maintenance costs compared to other brands.

Most Toyotas achieve five-star Euro NCAP safety ratings thanks to good structural integrity and advanced driver-assistance features.

Yes, Toyotas tend to hold their value well compared to rivals due to their trusted brand image and reputation for durability.

Yes, Toyota offers many hybrid, plug-in hybrid and all-electric models, such as the Prius, RAV4 Plug-in Hybrid and bZ4X.

Increasing your excess, limiting mileage, adding experienced drivers, improving security, choosing base models and shopping around help to reduce costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.