The Best Auto Insurance for Toyota

We all know State Farm for its catchy slogan and classic commercials starring Jake from State Farm. But what makes it one of the most highly ranked, financially strong auto insurers?

State Farm’s century-long history of protecting drivers means it can offer reliable and affordable policies with extensive coverage options. As of December 2022, State Farm’s average annual premium is less than the yearly insurance rate of other auto insurance providers, at $1,419.

Many third-party reviewers rank State Farm highly. J.D. Power, for instance, rates State Farm 847 out of 1,000 in overall customer satisfaction.¹ Overall, we find that Toyota owners find the most protective and dependable coverage from State Farm.

Steer Clear Program for Safe Driving

State Farm incentivizes safe driving with its Steer Clear program, which offers safe driving discounts of up to 30 percent for teen and young adult drivers. All drivers 25 years old and younger are eligible to participate in this program if they have three years of violation-free driving.

To begin, you can text SAVE to 42407 and download State Farm’s app, Drive Safe & Save, from the App Store or Google Play. You’ll complete driver-focused training modules through the app to learn and practice safe driving habits. Once you complete each of the five modules, you’ll drive a minimum of 10 trips while the app monitors your driving behaviors, such as how you accelerate and brake. Upon completion of the program, you’ll receive a certificate that State Farm will use to calculate your discount.

24/7 Roadside Assistance

Drive with confidence, knowing that State Farm’s emergency roadside assistance will protect you in the event of an emergency. If you add this coverage to your policy, call (877) 627-5757 or request help through the mobile app. Roadside assistance covers the following:

• Mechanical labor at the breakdown site
• Towing to the nearest repair location or a safe location (if your car breaks down on a public road)
• Delivery of gas, oil, tires or batteries
• Jump-starting
• Repair labor
• Locksmith services (if you lose your key or accidentally lock it inside your car)

Bundling Policies

In addition to its auto insurance, State Farm offers almost any type of insurance you’ll need, including homeowners’, renters’, condo, life and health insurance policies.

If you bundle your car insurance with a different kind of policy, such as home insurance, you may save up to $1,127. Bundling also simplifies your payment process as you will access all your policies in the same places: your online or mobile app-based State Farm account.

The Insurance Institute for Highway Safety lists the 2022 Toyota Corolla as a top safety pick of the year.² So, we value companies like Allstate, which offers generous discounts to owners of vehicles with antitheft devices, antilock brakes and passive restraint systems. Such features come standard in all Toyota Corollas made after 2015. Additionally, all Toyotas made in 2018 and after come equipped with Toyota Safety Sense (TSS), a package of advanced safety features like pre-collision systems, brake assist, pedestrian detection and lane departure alerts.³

Allstate began serving customers in 1931 and has provided excellent customer service consistently, demonstrated through its A+ BBB rating, which measures overall customer satisfaction. Between bundle savings, safe driving discounts and discounts for vehicles with top safety features, you may pay less with Allstate than all other providers.

Various Discounts

Beyond the savings you’ll receive from your Toyota Corolla’s advanced safety features, Allstate provides other discounts that may apply to you. Discounts vary by state, so be sure to check the Allstate website for updated discounts in your state. Some discounts include:

• Safety features: Allstate offers discounts for vehicles with updated safety features like antilock brakes, antitheft devices and passive-restraint systems.
• Payment: You can save on auto insurance if you pay your policy in full or opt for automatic withdrawals. Also, you can get a discount if you show that you’re a responsible payer by not receiving any cancellation notices for nonpayments in the past year.
• Multiple policies: If you buy other forms of insurance with Allstate, such as its home or renters insurance, you’ll receive a bundle discount.
• Smart student: All unmarried adults under the age of 25 can receive discounts for maintaining GPAs of 2.7 or higher or B- averages.
• New car: You can qualify for discounts if you are the first owner of your car, if your car is a current model year or if your car is last year’s model.

New Driver Protection

Less experienced drivers, such as newly licensed teens, are in good hands with Allstate. Allstate offers safeguards to put new drivers and their parents at ease, including:

• Accident forgiveness: You can add accident forgiveness as an optional coverage to your policy, which prevents annual premiums from increasing if you cause an accident.
• Drivewise: Young drivers accounted for 8 percent of all fatal crashes in the U.S. in 2019, despite making up only 5 percent of all licensed drivers.⁴ That’s why we love Allstate’s Drivewise safe driving program, which teaches safe driving habits and incentivizes drivers with rewards. Drivewise monitors driving behaviors and provides personalized insight into how to improve driving. We love this program for new drivers because, in addition to promoting safe driving, its crash detection feature enables drivers to call 911, request roadside assistance and file claims, all within a mobile app.
• teenSMART training program: Allstate offers discounts to families whose teens complete the teenSMART driver education program. This program teaches safe driving skills to teen drivers through interactive computer-based lessons and parent-teen activities.⁵

New Car Replacement

One of the optional coverages Allstate offers is new car replacement coverage, which protects you in the event of unexpected accidents and totaled vehicles. Unlike many other providers’ policies, which cover only the depreciated value of your totaled car, Allstate’s policy covers the amount you need for a brand-new car. Your car must be two years old or newer to be eligible for coverage, which is why it’s an ideal add-on for new car owners.

USAA started in 1922 when army officers in San Antonio, Texas, began insuring each other’s vehicles. By 2022, the company’s eligibility requirements included all people who have served in the military and their families, covering 13 million drivers across the country. Many people find the most competitive rates with USAA.

SafePilot Driving Program

Similar to State Farm’s Steer Clear program, USAA offers discounts through its mobile app with the SafePilot program. This optional behavior-based program lowers rates for safe drivers. Once you buy a policy with USAA, you can choose to download its mobile app through the App Store or Google Play store and enroll in the SafePilot program. By enrolling, you’ll receive the automatic 10 percent discount.

Once you begin driving and the app determines whether you’re the passenger or the driver, it’ll log your driving trips and calculate your “driving score” based on factors including:

• Hands-free calling vs. handheld phone use
• Harsh braking
• Location
• Time of day

Your driving score determines your discounts, which can be up to 30 percent off.

Noblr’s Usage-Based Insurance

USAA offers pay-as-you-drive insurance through its partner car insurance company Noblr, which it acquired in 2021.⁶ Noblr insurance caters to low-mileage drivers who wish to save based on how much they drive.

While the SafePilot app establishes your discount solely on how safely you drive, the Noblr app measures your mileage along with your driving behaviors to calculate your rate. Therefore, deployed military members and others who go for long periods without driving can earn savings with Noblr. Specifically, if you drive less than 8,000 miles a year, Noblr’s usage-based insurance may be right for you.

Overseas Insurance

If you are deployed away from your home and family or have to move for a permanent change of station (PCS), you’ll stay protected with USAA. Customers who relocate bases can choose to remain covered with USAA’s overseas auto insurance rather than cancel their policies.

With USAA’s overseas insurance coverage, you’ll maintain your basic auto coverages like liability insurance and personal injury protection while also saving on moving and storage expenses during your time away. Discounts on vehicle storage, for example, are available to all USAA customers except residents of Hawaii, North Carolina and Virginia. International coverage plans also differ depending on the country you are traveling to, so make sure to check USAA’s website to learn about a specific country’s requirements.

Liberty Mutual’s 100 years of experience places it among the most reliable insurance providers in the country. Between its wide array of available discounts and personalized coverage policies, we find it offers competitive rates for Toyota owners.

Liberty Mutual Mobile App

You can download Liberty Mutual Mobile for free from Google Play or the App Store, which enables you to handle just about anything regarding your policy, all from your mobile device. With 4.7 out of five stars on the Google Play store and 4.8 out of five stars on the App Store, this app is an excellent resource for everything policy-related. Here’s a list of the available actions through the app:

• File and manage claims
• Request roadside assistance
• Access ID cards
• Manage existing policies
• Add new policies
• Pay your bill
• Find safe driving discounts

Classic Car Coverage

If you drive a car that’s considered classic or antique, such as the Toyota Land Cruiser FJ40, which was discontinued in 2001, Liberty Mutual offers affordable and customizable protection plans. Classic car coverage can come in handy in the event of theft or accidents that damage difficult-to-find parts. Liberty Mutual will work with you to create a coverage plan that suits you, which we value since you’re likely driving your antique car on a limited basis.

It’s important to note that your vehicle must meet specific criteria, such as how old your car is (at least 25 years) and how often you drive it, to qualify for classic car insurance. You’ll want to contact a Liberty Mutual agent to determine whether it’s right for you.

Deductible Fund

The Liberty Mutual Deductible Fund is an optional program you can add to your existing Liberty Mutual policy. You’ll pay $30 a year as a part of yearly insurance premiums if you enroll. Liberty Mutual will contribute $70 to subtract $100 from your annual collision deductible.

As long as you pay into the program, your deductible will continue to decrease yearly. It renews automatically if you need to use your entire deductible fund for one claim.

Acceptance Insurance began covering drivers in 1979, making it the newest auto insurance provider mentioned on this page. Its name hints at the company’s focus on providing solid coverage to all drivers, not just those with perfect credit scores and accident-free driving histories.

Tailored to Non-Standard Drivers

Acceptance Insurance is known for providing affordable auto insurance to all drivers, not just those with perfect driving records. Unlike other providers, Acceptance Insurance won’t deny or overcharge high-risk drivers like teens, new drivers, seniors or those with bad credit or risky driving histories. So, you won’t be penalized for having a DUI or suspended license on your record.

Customizable Coverages

Acceptance Insurance has agents across each state it serves, so you can customize your plan based on your state’s requirements. All plans come with basic liability insurance to cover another driver’s expenses if you cause an accident. Depending on your needs and the minimum auto insurance requirements in your state, you can add other coverages, such as:

• Comprehensive and collision
• Uninsured or underinsured motorist
• Personal injury protection

24-Hour Roadside Assistance Towbusters Program

Acceptance Insurance’s Towbusters programs protect customers in the event of roadside emergencies and basic moving violations. For as little as $13 a month, you can add Towbusters to your auto insurance policies to cover expenses if you need a jump-start or get locked out of your vehicle.