FAQs | Toyota Insurance

General

Toyota Insurance is the only Toyota owned independent insurance agency in the USA selling Property & Casualty products. We partner with 23 insurance companies, so it’s easy to find great coverage at a great price.

At Toyota Insurance, our objective is to make the ownership experience even better for Toyota and Lexus drivers by providing them with convenient access to insurance quotes and coverage from our trusted partners. Our goal is to reduce the overall cost of ownership and ensure that your Toyota or Lexus will be repaired using Toyota Genuine Parts whenever possible. We are also working with other Toyota companies and external partners to deliver better insurance solutions that harness data and technology to improve safety, convenience, and save customers’ time and money.

Our current partners include American Strategic Insurance, Chubb Limited, Dairyland Insurance, Hagerty Insurance, The Hartford Insurance, Infinity Insurance, Pacific Specialty Insurance, Openly Insurance, American Risk Insurance, California Fair Plan Property Insurance, Texas Windstorm Insurance Association, Pure Insurance, Vault Insurance, Travelers Insurance, Progressive Insurance, Foremost Insurance, Bristol West Insurance, Clearcover Insurance, Mercury Insurance, and Safeco Insurance; we are working to bring additional companies on board to provide our customers with a wide variety of insurance options. We will partner only with companies that are as committed as we are to providing value for Toyota owners.

Consumers who live in Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisianna, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming currently can get quotes and purchase auto insurance through Toyota Insurance.

Our team at Toyota Insurance would love to hear your comments! Please contact us by visiting the Contact Us page.

Usage-Based Insurance

Usage-based insurance is a way for you to opt-in to share your driving data, and based on how you and your family drive, potentially save money on an auto insurance policy.

With your consent, your modern car, truck, or SUV collects input from your vehicle every time you drive. Hundreds of sensors in the vehicle monitor data points including speed, braking, acceleration, driving time, steering, safety system activation, and even when your vehicle needs its next maintenance.

Modern vehicles are equipped with a device called a Data Communication Module (DCM) that transmits telematics data every single second. Anti-lock braking systems (ABS), traction control, adaptive cruise control, all need to collect feedback from dozens of vehicle systems so that you can use them when you drive.

Telematics from your vehicle can paint a clearer picture of your driving for an insurer. By opting in to share your data directly from your connected vehicle, you enable your rate to be influenced by how you, as a unique individual, drive. When your insurer can see tangible evidence that you're a safe driver, you can see lower premiums.

If you own an eligible Toyota vehicle, you can opt-in to Insure Connect through the Toyota Owners App. This enables our affiliate Connected Analytic Services to share the telematics data from your vehicle with insurance carriers. For more information visit connectedanalyticservices.com.

Coverage

Yes! The insurance companies we partner with will provide an auto insurance quote for other makes and models. Original Equipment Manufacturer (Toyota Genuine Parts) parts coverage for vehicles other than Toyota or Lexus will be subject to vehicle eligibility.

In general, auto insurance is a collection of coverages for different events, such as damage you cause to other people or their property (liability coverage), or damage to your vehicle (physical damage coverage). Most states have minimum liability insurance requirements, but they often are very low and may not be enough to cover repair costs or medical expenses. If you still are making payments on your car, your lender typically will require you to purchase specific coverages. A Toyota Insurance agent can explain what is required in your state and help you choose a policy that suits your needs.

Auto insurance policies offer many different types of coverage. Here are some of the most common options, and what they cover:

Bodily Injury coverage (BI) — This covers you when you cause an injury to another person. It pays for their medical care, loss of income and additional expenses. It also can cover your legal defense if you are sued for causing the injury.
Collision coverage — This pays for the damage to your vehicle caused when your vehicle hits another vehicle or a stationary object, such as a building.
Comprehensive coverage – This covers your vehicle for damage caused by something other than a collision, such as a tree falling on your car.
Medical Payments or Personal Injury Protection (PIP) — This covers you or anybody in your vehicle who needs medical treatment after an accident.
Property Damage coverage (PD) — This pays for damage you do to other people’s property. Most often this means the other person’s vehicle, but it can include buildings, fences and other property.
Rental Car coverage — If you are in a collision, this coverage provides you with a rental vehicle while yours is being repaired if the accident was your fault or the other driver did not have insurance.
Uninsured and Underinsured Motorist coverage (UIM) — Many drivers don’t have adequate insurance. These coverages pay for the medical expenses of you and your passengers when injuries are caused by another driver who is either uninsured or doesn’t have enough insurance to cover your costs. Coverage for damage to your vehicle also can be included

Insurance companies offer customers a variety of ways to save on insurance, such as discounts for having multiple policies. The following discounts may be available from our insurance partners (availability varies by state and insurance company):

Homeowner
Paid in full
Good driver
Vehicle safety features
Multiple-policy
Good student

Toyota Genuine Parts

Toyota Genuine Parts have been engineered to meet Toyota’s safety, reliability, and functionality standards. To learn more visit the Toyota Genuine Parts page.

The Toyota Genuine Parts benefit is not available to vehicles that are older than 10 “model years”. Please see your policy documents for details.

For recent model year Toyota and Lexus vehicles (and some other vehicle makes), Toyota Insurance’s partners offer policies that will pay for Toyota Genuine Parts replacement, if such parts are available, even when other replacement parts are less expensive. In some instances, Toyota Genuine Parts may not be available in your area, or the repair facility may recommend using other replacement parts. Please consult the policy documents for details.

If you are not at fault in the collision, your repairs will be subject to the terms of the other party’s insurance coverage. This may not include Toyota Genuine Parts.

Original Equipment Manufacturer (OEM) parts are replacement parts that were designed for your non-Toyota/Lexus vehicle when it was originally sold.

OEM Parts for vehicles other than Toyota or Lexus will be be subject to vehicle eligibility for each carrier.

Claims

Contacting your insurance company directly is the quickest and easiest way to report a claim via our Claims Center.

For the best service, have the following information available, whether you’re reporting a claim via phone or online:

Your policy number
Information about the loss
Multiple phone numbers (cell, home and work) and your email address, so the adjuster can provide information and return your calls quickly

State insurance laws allow you to choose where your vehicle is repaired, even when an insurance company is paying for the repairs. In addition to repair facilities in your Insurer’s network, you can choose a Toyota Certified Collision Center.

Account

Contacting your insurance company directly is the quickest and easiest way to make a change to an existing policy, such as adding or removing a specific coverage, a driver or a vehicle. However, if you want to switch your auto insurance to a new company, make sure your new policy is in effect before you cancel your old policy. This will ensure you avoid any gap in coverage. For more detailed contact information, please visit the Claims Center page.

An insurance card will be sent to you directly from your insurance company. Some companies provide the ability to print cards at home, and many states allow electronic proof of insurance.

Premiums are paid directly to your insurance company. Recurring credit-card payments or electronic funds transfers are the best ways to ensure your premiums are paid on time. Please check with your insurance company to determine your payment options via our Claims Center.

Most insurance companies will send a welcome packet that includes forms for you to complete. These are necessary to finalize the insurance underwriting process. Return instructions should also be included; contact the insurance company directly via our Claims Center.

If you need additional assistance, please contact Toyota Insurance by visiting the Contact Us page.

Please contact your insurance company and alert them to your planned move. They can advise you of the steps you need to take. Because each state has different laws regarding insurance, this usually involves providing your new address and replacing your policy with one that conforms to the regulations in your new state.