How much is your car insurance?

I just bought a certified pre-owned 2021 Toyota CHR LE (financed). Loving the car so far, but I noticed insurance is more expensive for Toyotas compared to my previous car, a 2021 certified pre-owned Honda HRV. I used to pay $218/month for the Honda, but now my insurance for the Toyota is $312/month.

I’m planning to shop around for better rates tomorrow. From what I’ve seen, most people seem to pay under $200, though I live in Houston, where rates are higher. Has anyone else noticed similar price hikes when switching to a Toyota? What are you paying for your insurance?

I pay $100 a month for my 2021 Corolla XSE through Toyota Insurance. I’m 55, and my rates are low because of their onboard telematics, which track and reward good driving habits.

Zain said:
I pay $100 a month for my 2021 Corolla XSE through Toyota Insurance. I’m 55, and my rates are low because of their onboard telematics, which track and reward good driving habits.

Be careful—they’ll hike your rates or drop you if you make a couple of driving mistakes.

@Rav4Rider
They are already increasing my rate by $10 at renewal this August, which isn’t bad. I switched from American Family Costco after they raised my rate from $150 to $200. Toyota Insurance offered me $100/month with a $500 deductible compared to Costco’s $1,000 deductible.

I always check insurance rates before buying a car, but I’m older and careful with money.

Rates depend on age, location, marital status, credit score, and driving history. I’m 55 and pay $50/month for full coverage on a TRD Pro Tundra and $45/month for an Acura V6 TLX. When I was 25 and single, I paid $230/month for a six-year-old Nissan pickup. If you can afford it, paying annually instead of monthly can also reduce your overall cost.

$160/month for full coverage on a 2022 Tacoma TRD Pro through Allstate. I’m 29 and live in Texas.

Christie said:
$160/month for full coverage on a 2022 Tacoma TRD Pro through Allstate. I’m 29 and live in Texas.

Wow, Allstate has been overcharging me! I’m switching to Geico next month.

@Page
Definitely shop around. I went from Allstate at $320/month to State Farm at $113/month for the same coverage.

It really depends on your coverage and where you live. Unless someone is in the same state, it’s hard to compare rates.

There are so many factors in insurance pricing—age, credit score, car model, mileage, location, driving history, and claims. Nobody’s situation will match yours exactly. I recommend finding a good independent insurance agent who can check multiple companies and explain your rate.

@Cade
I contacted someone today and I’m waiting for a callback. Fingers crossed!

I pay $71.50/month with Progressive for full coverage on a 2023 RAV4 Hybrid. I’m 40.

$115/month with Erie Insurance for a 2023 Corolla Cross XLE. I’m 25, female, and live in Ohio.