TOYOTA Car Insurance

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Toyota is an automaker known for reliability, strong resale value, and a diverse lineup ranging from economical compacts to efficient hybrids. The brand appeals to drivers seeking durability and manageable ownership costs over time.

TOYOTA CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for Toyota vehicles fluctuate, dropping from $1233 to a low of $1085 in 2022, then rising to $1418 in 2025 before easing slightly to $1393 in 2026. This pattern reflects broader insurance market shifts rather than a straight linear trend.

To find the best insurance for your TOYOTA vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your TOYOTA

How much does insurance for your TOYOTA cost in Quebec?

Premiums for Toyota vehicles are highest in Montreal ($1897) and Gatineau ($1640), while Trois-Rivières ($1224) and Drummondville ($1174) show the lowest amounts. The gap between the priciest and most affordable cities exceeds $700.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
BROSSARD	$1574.92
DRUMMONDVILLE	$1173.52
GATINEAU	$1639.99
LAVAL	$1472.39
LÉVIS	$1262.48
LONGUEUIL	$1402.17
MONTRÉAL	$1896.85
QUÉBEC	$1356.39
REPENTIGNY	$1305.20
Saguenay	$1254.60
SAINT-JEAN-SUR-RICHELIEU	$1241.53
SAINT-JÉRÔME	$1333.83
SHERBROOKE	$1234.53
TERREBONNE	$1337.43
TROIS-RIVIÈRES	$1223.85

Frequently asked questions (FAQ)

How much does auto insurance cost for a Toyota?

The average premium for a Toyota vehicle reached $1393 in 2026, following a peak of $1418 in 2025. The exact amount varies by model, year, and city.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Why did the Toyota premium fluctuate so much between 2021 and 2025?

The premium dropped from $1233 in 2021 to a low of $1085 in 2022, then climbed to $1418 in 2025. These fluctuations reflect changes in repair costs and the insurance market rather than a steady increase.

Which city offers the lowest insurance cost for a Toyota?

Based on the data provided, Drummondville ($1174) and Trois-Rivières ($1224) show the lowest average premiums for Toyota vehicles.

Why does Montreal show the highest premium for Toyota?

With an average of $1897, Montreal stands well above other cities, largely due to traffic density and higher claim frequency in urban areas.

Do Toyota premiums vary by model?

Yes. The Toyota lineup includes compacts, SUVs, and hybrids, which can create meaningful differences around the $1393 average recorded in 2026.

How can I reduce my premium for a Toyota vehicle?

Comparing quotes from multiple insurers, choosing a low-claim city of residence, and bundling policies are effective ways to lower the annual cost.