Toyota insurance groups
Quick answer
Toyota's mainstream range sits low-to-middle on the insurance group scale, helped by strong safety scores, widespread hybrid technology tuned for economy rather than speed, and a reputation for straightforward repairs. The GR performance models are the clear exception.
Typical group range here
Groups 4–38
Typical annual estimate*
£230–£1270
*Estimate only, not a quote — driver aged 30–49, medium-risk postcode, comprehensive cover. The midpoint (21) sits in the medium band. How we calculate this.
Cheapest Toyota models
| Model | Typical group range | Band | Typical cost* |
|---|---|---|---|
| Toyota Yaris | 4–15 | Very low | from £230 |
| Toyota Aygo | 6–13 | Very low | from £260 |
| Toyota Auris | 10–19 | Low | from £330 |
| Toyota Corolla | 12–22 | Low | from £365 |
| Toyota C-HR | 14–24 | Low | from £400 |
*Estimate only, not a quote — based on the lowest trim in each model's range.
How much does it cost to insure a Toyota?
There is no single Toyota insurance cost, because the range covers groups 4 to 38. So what is the average cost to insure a Toyota? Across the models we cover it works out at roughly £545 a year for a driver aged 30–49 on comprehensive cover, with the cheapest entry trims near £285 and the highest-rated derivatives near £1,015. That average Toyota car insurance cost is a midpoint rather than a prediction: it tells you where the brand sits against others, not what you will pay.
So is Toyota expensive to insure? Not especially. Toyota sits in the affordable half of the market. How much does a Toyota cost to insure in practice? That depends almost entirely on which one: the Toyota Yaris is the cheapest model here, starting at group 4, while the Toyota GR Yaris reaches group 38 at the top of its range. That gap matters far more than the badge, which is why a model-by-model comparison beats any brand-level average.
Treat these as comparison figures rather than a Toyota car insurance price you can hold us to. The average cost of Toyota car insurance in your own case will also depend on your age, postcode, mileage, claims history and excess, and for an actual Toyota car insurance quote you will need to price the exact derivative. The fastest way to know which derivative you are looking at is to check the registration.
Compare it against the rest of the market in the insurance group prices table, or see how the group affects your premium across age bands. For everything outside the car, read what affects car insurance price.
Hybrids that don't punish you on the group
Toyota has sold self-charging hybrids in volume for longer than almost anyone, and its mainstream hybrids sit close to equivalent petrol cars rather than well above them. The hardware is well understood, the performance is modest, and the safety equipment is generally strong — all of which keeps the rating in check.
The GR exception
The GR models are rated in a different world from the rest of the range. They're low-volume, genuinely fast, and expensive to repair, which puts them in the thirties while the cars they're loosely based on sit in single figures or the low teens. If you're cross-shopping a Yaris and a GR Yaris, treat them as entirely separate insurance propositions.
Highest-group models here
- Toyota GR Yaris — up to group 38 (high band)
- Toyota MR2 — up to group 33 (high band)
- Toyota Celica — up to group 32 (high band)
All 9 models we cover here
- Toyota Yaris (4–15)
- Toyota Aygo (6–13)
- Toyota Auris (10–19)
- Toyota Corolla (12–22)
- Toyota C-HR (14–24)
- Toyota RAV4 (17–28)
- Toyota Celica (24–32)
- Toyota MR2 (26–33)
- Toyota GR Yaris (32–38)
How these ratings are set
Every figure here comes from the same ABI/Thatcham 1–50 scale used across the site — there is no separate scale for a body style or a brand. See how insurance groups are decided for the rating factors behind each number, or car insurance groups explained for the wider picture. For model ranges launched since August 2024, check our Vehicle Risk Rating guide — those cars are increasingly rated on a different framework.
Frequently asked questions
Are Toyota hybrids more expensive to insure?
Not markedly. Toyota's self-charging hybrids typically sit within a group or two of the equivalent petrol version, because they're tuned for efficiency rather than performance and the technology is well established.
Check your car's insurance group free
Enter your registration and we'll look up the DVLA record and match it to an insurance group in seconds. No signup, no cost, and we don't store your reg.
Check my insurance group →Other brands
Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.