Toyota bZ Insurance Cost
Full coverage for a Toyota bZ costs about $1,545 a year ($129/month) by our estimate — ▼ −3% versus the average vehicle, ranking 112th cheapest of 310 current models.
Toyota bZ insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2026–2027 model years of the Toyota bZ.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $585 | $49 | $480–$690 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $845 | $70 | $695–$1,000 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,545 | $129 | $1,265–$1,820 |
What drives the cost of insuring a Toyota bZ
HLDI does not publish loss results for the Toyota bZ, so our estimate uses the typical losses of its segment (Small SUV): 0.95× average for liability, 1.03× for collision and 0.92× for comprehensive.
- Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
- Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
- Recalls & complaints: 2 NHTSA recall campaigns and 17 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Toyota bZ trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPGe (comb.) | Range |
|---|---|---|---|---|
| bZ (energy capacity 191 Ah) | FWD | Electric | 131 | 314 mi |
| bZ (energy capacity 200 Ah) | FWD | Electric | 130 | 236 mi |
| bZ AWD | AWD | Electric | 120 | 288 mi |
| bZ AWD LIMITED | AWD | Electric | 117 | 278 mi |
| bZ LIMITED | FWD | Electric | 125 | 299 mi |
| bZ Woodland AWD 235/60R18 | AWD | Electric | 117 | 281 mi |
| bZ Woodland AWD 235/65R18 | AWD | Electric | 109 | 260 mi |
Toyota bZ insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPGe | Est. full / yr |
|---|---|---|---|---|
| 2027 | Electric | AWD, FWD | — | $1,545 |
| 2026 | Electric | AWD, FWD | — | $1,510 |
Toyota bZ insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,350 | $455 | −13% |
| Alaska | $1,355 | $595 | −12% |
| Arizona | $1,615 | $630 | +5% |
| Arkansas | $1,370 | $425 | −11% |
| California | $1,525 | $545 | −1% |
| Colorado | $1,750 | $620 | +13% |
| Connecticut | $1,635 | $675 | +6% |
| Delaware | $1,710 | $760 | +11% |
| District of Columbia | $1,950 | $705 | +26% |
| Florida | $2,180 | $1,025 | +41% |
| Georgia | $1,900 | $830 | +23% |
| Hawaii | $1,070 | $415 | −31% |
| Idaho | $1,050 | $380 | −32% |
| Illinois | $1,340 | $475 | −13% |
| Indiana | $1,100 | $385 | −29% |
| Iowa | $1,055 | $295 | −32% |
| Kansas | $1,235 | $385 | −20% |
| Kentucky | $1,295 | $500 | −16% |
| Louisiana | $2,130 | $750 | +38% |
| Maine | $985 | $405 | −36% |
| Maryland | $1,730 | $715 | +12% |
| Massachusetts | $1,520 | $560 | −2% |
| Michigan | $1,685 | $725 | +9% |
| Minnesota | $1,290 | $445 | −17% |
| Mississippi | $1,480 | $505 | −4% |
| Missouri | $1,400 | $485 | −9% |
| Montana | $1,235 | $375 | −20% |
| Nebraska | $1,240 | $385 | −20% |
| Nevada | $1,755 | $825 | +14% |
| New Hampshire | $1,105 | $380 | −28% |
| New Jersey | $1,850 | $890 | +20% |
| New Mexico | $1,385 | $495 | −10% |
| New York | $2,060 | $885 | +33% |
| North Carolina | $1,160 | $425 | −25% |
| North Dakota | $995 | $260 | −36% |
| Ohio | $1,105 | $385 | −28% |
| Oklahoma | $1,395 | $450 | −10% |
| Oregon | $1,380 | $595 | −11% |
| Pennsylvania | $1,355 | $405 | −12% |
| Rhode Island | $1,860 | $780 | +20% |
| South Carolina | $1,640 | $695 | +6% |
| South Dakota | $1,185 | $300 | −23% |
| Tennessee | $1,290 | $430 | −17% |
| Texas | $1,830 | $655 | +18% |
| Utah | $1,395 | $620 | −10% |
| Vermont | $1,010 | $300 | −35% |
| Virginia | $1,330 | $595 | −14% |
| Washington | $1,340 | $560 | −13% |
| West Virginia | $1,295 | $415 | −16% |
| Wisconsin | $1,060 | $355 | −31% |
| Wyoming | $1,215 | $310 | −21% |
Toyota bZ insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,605 | $2,325 | $4,245 | $354 |
| Young adult (22) | $935 | $1,355 | $2,470 | $206 |
| Adult in their 30s | $585 | $845 | $1,545 | $129 |
| Adult in their 50s | $535 | $780 | $1,420 | $118 |
| Senior (72) | $655 | $945 | $1,730 | $144 |
| 30s, one at-fault accident | $845 | $1,225 | $2,240 | $187 |
| 30s, DUI on record | $1,080 | $1,565 | $2,855 | $238 |
Toyota bZ vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Toyota bZ | $1,545 | — | — | — |
| Honda CR-V | $1,200 | 63 | 65 | — |
| Subaru Forester | $1,140 | 64 | 84 | — |
| Mazda CX-5 | $1,325 | 80 | 71 | — |
Estimate Toyota bZ insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Toyota models
- C-HR $1,480/yr
- Corolla $1,705/yr
- GR86 $2,095/yr
- Land Cruiser $1,290/yr
- Prius $1,595/yr
- 4Runner $1,295/yr
- Camry $1,735/yr
- Corolla Cross $1,430/yr
- Crown $1,670/yr
- Crown Signia $1,505/yr
- GR Supra $1,920/yr
- Grand Highlander $1,305/yr
- Highlander $1,410/yr
- Mirai $2,450/yr
- RAV4 $1,285/yr
- Sequoia $1,515/yr
- Sienna $1,590/yr
- Tacoma $1,375/yr
- Tundra $1,515/yr
- bZ4X $1,420/yr
- Venza $1,455/yr
- Avalon $1,440/yr
- Prius c $1,365/yr
- Yaris $1,340/yr
- Prius v $1,225/yr
- FJ Cruiser $1,165/yr
- Matrix $1,245/yr
- Camry Solara $1,245/yr
- Celica $1,445/yr
- Echo $1,245/yr
Frequently asked questions
How much is insurance for a Toyota bZ?
We estimate about $1,545 a year ($129 a month) for full coverage and $585 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% less than the average vehicle.
Which state is cheapest to insure a Toyota bZ?
Maine has the lowest estimate (about $985 a year for full coverage) and Florida the highest (about $2,180).
Is the Toyota bZ cheaper to insure than the Honda CR-V?
By our estimate the Toyota bZ costs about $1,545 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.
How much is Toyota bZ insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,245 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.