Toyota Car Insurance

Toyota is one of Ireland’s most popular and trusted car brands - valued by drivers for its reliability, safety, and fuel efficiency. 

Founded in Japan in 1937 by Kiichiro Toyoda, Toyota Motor Corporation grew from its roots in precision engineering and manufacturing to become a global leader in automotive design and technology. 

The Japanese government supported Toyota’s early vehicle production as part of its effort to build a domestic automotive industry, and during the Second World War, Toyota manufactured trucks for the Japanese military. The company’s name was changed from Toyoda to Toyota in 1936 because it was easier to pronounce and written with eight brush strokes - a lucky number in Japanese culture. 

After the war, Toyota shifted its focus to peacetime production and in 1947 launched the SA, its first passenger car of the modern era. In the early 1950s, Toyota began building rugged off-road vehicles inspired by the U.S. military Jeep -  a design that evolved into the legendary Toyota Land Cruiser, still one of the world’s most capable 4x4s. 

Toyota introduced its first luxury saloon, the Crown, in 1955 and entered the U.S. market in 1957. Early exports taught Toyota valuable lessons about performance, quality, and customer expectations - lessons that helped shape global successes like the Corona (1965), Corolla (1966), and later the Camry (1982) and Avalon (1994). 

Today, Toyota Motor Company is one of the world’s largest automakers, producing around 10 million vehicles annually and leading the way in hybrid and electric innovation. From the fuel-efficient Yaris and Corolla to the versatile RAV4 and hybrid C-HR, Toyota remains one of Ireland’s most dependable brands - combining performance, safety, and long-term value.

Yes - we provide car insurance cover for most standard Toyota models in Ireland, including popular options such as the Yaris, Corolla, C-HR, RAV4, Prius, Aygo and Land Cruiser. 

We do not currently insure classic or vintage Toyota vehicles, so older or specialist models may not be eligible for cover. 

If your Toyota isn’t listed or you’re unsure about eligibility, you can get quick car insurance quotes online and we’ll confirm your cover options instantly. 

Car insurance groups in Ireland range from 1 to 50. Lower-group cars are generally cheaper to insure, while vehicles in higher groups can cost more as insurers view them as higher-risk or more expensive to repair. 

Toyota models span a broad range of insurance groups - typically from group 1 up to around group 48 depending on the model and specification. For example, compact and economical cars like the Toyota Aygo often fall into lower groups, while higher-spec models or hybrid versions of the Toyota Yaris may sit in higher groups due to performance, technology, and repair considerations. 

A Toyota’s insurance group is usually influenced by factors such as: 

• Vehicle value - higher-value cars usually fall into higher insurance groups because they cost more to repair or replace. 

• Safety & security systems - advanced safety and security features (e.g. anti-theft features, ABS) can help reduce risk and may support more favourable group placement. 

• Repair costs & parts availability - models that are more expensive to repair often have higher insurance group ratings. 

• Performance – more powerful engines or quicker acceleration typically increase the insurance group. 

• Crash protection & build quality - strong safety ratings can support lower categories. 

Insurance groups are just one factor that affects the price of Toyota insurance in Ireland. Your premium will also depend on personal factors such as age, driving history, location, licence type, and claims record. 

Toyota models are often considered affordable to insure thanks to their strong safety ratings, proven reliability, and efficient engines. However, the cost of Toyota car insurance in Ireland can vary significantly between models and will depend on individual factors such as your age, driving experience, location, claims history, and the specific Toyota you drive. 

At its4women.ie, we aim to offer competitive pricing with flexible cover options, fast online quotes, and rewards for safe, claim-free driving - helping you get great value on your Toyota car insurance.  

Get a quick online quote today! 

Toyota vehicles are known for reliability and efficiency, but your insurance cost will still depend on factors such as age, driving experience, location, claims history and the model you drive. Here are some practical ways that may help reduce the cost of Toyota car insurance in Ireland: 

Be accurate with your annual mileage: Drivers who spend more time on the road are considered higher risk. If you mainly use your Toyota for commuting or short journeys, ensure your estimated annual mileage is correct - over-estimating may increase your premium, while under-estimating could cause issues at claim time. 

Enhance your Toyota’s security: Enhanced security can help reduce theft risk. Consider features such as a steering wheel lock, approved alarm, immobiliser, or GPS tracker. Parking in a secure garage or well-lit driveway may also help lower your motor insurance premium. 

 Build and protect your No Claims Bonus: A strong No Claims Bonus (NCB) is one of the most effective ways to lower your insurance costs over time. Each year you drive without making a claim can earn discounts on your premium. You may also choose NCB protection (optional extra where applicable) to help preserve your bonus if you need to make certain types of claims. 

Consider telematics insurance: Young or newer drivers may benefit from a telematics car insurance policy. This type of cover rewards safe driving habits and can help reduce costs over time as you build experience and demonstrate responsible driving. 

Choose the right model & trim level: Smaller, lower-powered Toyotas like the Yaris or Aygo often fall into lower insurance groups compared to larger or higher-spec vehicles such as the RAV4 or performance-focused GR models. Choosing an economical model may help keep premiums down. 

Add a named driver: If you're a younger or less-experienced driver, adding an additional experienced driver (for example, a parent or partner) to your policy may help lower your premium. However, the main driver must be the person who uses the car most often. Listing someone else as the main driver when you are the primary user - known as fronting - is illegal and can result in your policy being cancelled and claims being refused. 

Increase your voluntary excess: Choosing a higher voluntary excess can often help lower your premium, as you’re agreeing to pay a larger amount if you make a claim. Many drivers select a mid-range excess, but if you can comfortably afford to contribute more in the event of a claim, increasing your excess may reduce your overall insurance cost. Always make sure the excess you choose is realistic for your budget. 

Yes - we provide cover for hybrid and electric Toyota models, including popular options like the Toyota Prius, Corolla Hybrid, C-HR Hybrid, Yaris Hybrid, RAV4 Hybrid, and the all-electric Toyota bZ4X. 

Toyota’s hybrid and electric range is well-known for efficiency, reliability, and advanced safety features, making them a popular choice for Irish drivers. Simply get a quick online quote and we’ll confirm your cover options instantly. 

Hybrid and electric Toyota models can sometimes cost slightly more to insure than petrol or diesel versions, mainly due to advanced technology and potentially higher repair costs. However, this depends on the specific model and your personal circumstances - in many cases, premiums may be similar or only marginally higher. 

For many drivers, the long-term savings on fuel and motor tax, combined with Toyota’s excellent reliability and safety ratings, make hybrid and electric Toyotas a cost-effective and environmentally friendly choice overall. 

Yes - young drivers can get Toyota car insurance in Ireland. The cost of cover will depend on factors such as your age, licence type, driving experience, claims history, and the model you choose. Premiums for young driver insurance are typically higher due to limited driving experience, but choosing a smaller or more economical model like a Yaris or Corolla Hybrid may help keep costs lower than larger or higher-powered vehicles, which usually fall  into higher insurance groups. 

Toyotas are known for reliability, strong safety ratings, and efficiency, which can make them a smart option for new and younger drivers. With its4women.ie, you can get a quick online quote and consider telematics black box insurance - helping you build experience, demonstrate safe driving habits, and potentially reduce your premium over time. 

Yes - you must have valid car insurance in place before test driving a Toyota in Ireland. 

If you're test-driving a new or used Toyota at a dealership, many reputable dealers provide temporary cover for the duration of the test drive - but this isn’t guaranteed. Always check with the dealer in advance, as insurance policies vary. If cover isn’t provided, you’ll need your own insurance in place before driving the car. 

If you're test-driving a Toyota privately or considering a second-hand model through a private seller, you must have your own valid insurance. Some policies include a “driving other cars” benefit, but this typically only provides third-party cover, meaning the Toyota wouldn’t be insured for damage. 

For full peace of mind, consider temporary or test-drive insurance with comprehensive cover, ensuring both you and the car are protected should anything happen. 

Yes - if you maintain a claim-free record, you can build up a no-claims discount (NCD), which may help reduce the cost of your car insurance over time. We also reward safe and responsible driving with additional benefits, helping you get great value from your Toyota insurance.