Toyota Crown Insurance Cost
Full coverage for a Toyota Crown costs about $1,670 a year ($139/month) by our estimate — ▲ +5% versus the average vehicle, ranking 169th cheapest of 310 current models.
Toyota Crown 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 2026 model year. Our vehicle data covers the 2023–2026 model years of the Toyota Crown.
| 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. | $555 | $46 | $455–$655 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $805 | $67 | $660–$955 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,670 | $139 | $1,370–$1,970 |
What drives the cost of insuring a Toyota Crown
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Crown's results put our vehicle factor at 0.91× for liability, 1.29× for collision and 1.27× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 133 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 131 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 83 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 90 | Better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 136 | Much worse than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 135 | Much worse than average | Injuries to occupants of this car (claim frequency) |
- Repair and parts costs: Full-size car — mainstream parts availability keeps repairs moderate.
- Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 3 NHTSA recall campaigns and 23 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Toyota Crown trims and configurations (2026)
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 | MPG (comb.) |
|---|---|---|---|
| Crown AWD | AWD | 2.4L 4-cyl Turbo Hybrid | 30 |
| Crown Hybrid AWD | AWD | 2.5L 4-cyl Hybrid | 41 |
Toyota Crown 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 | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.4L 4-cyl Turbo Hybrid, 2.5L 4-cyl Hybrid | AWD | 30–41 | $1,670 |
| 2025 | 2.4L 4-cyl Turbo Hybrid, 2.5L 4-cyl Hybrid | AWD | 30–41 | $1,625 |
| 2024 | 2.4L 4-cyl Turbo Hybrid, 2.5L 4-cyl Hybrid | AWD | 30–41 | $1,585 |
| 2023 | 2.4L 4-cyl Turbo Hybrid, 2.5L 4-cyl Hybrid | AWD | 30–41 | $1,545 |
Toyota Crown 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 | $1,480 | $435 | −11% |
| Alaska | $1,470 | $565 | −12% |
| Arizona | $1,740 | $600 | +4% |
| Arkansas | $1,520 | $405 | −9% |
| California | $1,655 | $520 | −1% |
| Colorado | $1,925 | $590 | +15% |
| Connecticut | $1,740 | $645 | +4% |
| Delaware | $1,800 | $725 | +8% |
| District of Columbia | $2,115 | $675 | +27% |
| Florida | $2,275 | $980 | +36% |
| Georgia | $2,005 | $790 | +20% |
| Hawaii | $1,165 | $395 | −30% |
| Idaho | $1,140 | $365 | −32% |
| Illinois | $1,465 | $450 | −12% |
| Indiana | $1,200 | $365 | −28% |
| Iowa | $1,185 | $280 | −29% |
| Kansas | $1,385 | $365 | −17% |
| Kentucky | $1,400 | $480 | −16% |
| Louisiana | $2,295 | $720 | +37% |
| Maine | $1,080 | $385 | −35% |
| Maryland | $1,850 | $685 | +11% |
| Massachusetts | $1,640 | $535 | −2% |
| Michigan | $1,830 | $695 | +10% |
| Minnesota | $1,425 | $425 | −15% |
| Mississippi | $1,625 | $480 | −3% |
| Missouri | $1,540 | $465 | −8% |
| Montana | $1,385 | $355 | −17% |
| Nebraska | $1,385 | $365 | −17% |
| Nevada | $1,830 | $785 | +10% |
| New Hampshire | $1,205 | $365 | −28% |
| New Jersey | $1,945 | $850 | +16% |
| New Mexico | $1,515 | $470 | −9% |
| New York | $2,180 | $845 | +31% |
| North Carolina | $1,285 | $405 | −23% |
| North Dakota | $1,135 | $250 | −32% |
| Ohio | $1,210 | $365 | −28% |
| Oklahoma | $1,550 | $430 | −7% |
| Oregon | $1,460 | $570 | −13% |
| Pennsylvania | $1,485 | $385 | −11% |
| Rhode Island | $1,970 | $745 | +18% |
| South Carolina | $1,745 | $665 | +4% |
| South Dakota | $1,365 | $285 | −18% |
| Tennessee | $1,415 | $410 | −15% |
| Texas | $2,010 | $625 | +20% |
| Utah | $1,480 | $590 | −11% |
| Vermont | $1,125 | $290 | −33% |
| Virginia | $1,435 | $570 | −14% |
| Washington | $1,420 | $535 | −15% |
| West Virginia | $1,435 | $395 | −14% |
| Wisconsin | $1,165 | $340 | −30% |
| Wyoming | $1,390 | $295 | −17% |
Toyota Crown insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,530 | $2,220 | $4,585 | $382 |
| Young adult (22) | $890 | $1,290 | $2,670 | $223 |
| Adult in their 30s | $555 | $805 | $1,670 | $139 |
| Adult in their 50s | $510 | $745 | $1,535 | $128 |
| Senior (72) | $625 | $905 | $1,870 | $156 |
| 30s, one at-fault accident | $805 | $1,170 | $2,420 | $202 |
| 30s, DUI on record | $1,030 | $1,495 | $3,085 | $257 |
Toyota Crown vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Toyota Crown | $1,670 | 133 | 131 | — |
| Dodge Charger | $1,635 | — | — | — |
| Tesla Model S | $2,025 | 216 | 152 | — |
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Other Toyota models
- bZ $1,545/yr
- 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 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 Crown?
We estimate about $1,670 a year ($139 a month) for full coverage and $555 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% more than the average vehicle.
Is the Toyota Crown expensive to insure?
HLDI insurance-loss data rates it at 133 for collision and 131 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Toyota Crown?
Maine has the lowest estimate (about $1,080 a year for full coverage) and Louisiana the highest (about $2,295).
What is the Toyota Crown's NHTSA safety rating?
The 2026 Toyota Crown earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Toyota Crown cheaper to insure than the Dodge Charger?
By our estimate the Toyota Crown costs about $1,670 a year versus $1,635 for the Dodge Charger, making the Dodge Charger cheaper to insure.
How much is Toyota Crown insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,585 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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database