Are you a Toyota or Honda owner looking to save on car insurance in 2025? You’re not alone. With rising premiums, many car owners are switching to more affordable yet reliable insurance providers. In this article, we’ve researched and listed the top 5 cheapest insurance options for Toyota and Honda vehicles in the United States.
1. GEICO – Best Overall for Toyota & Honda Drivers
- Average Monthly Cost: $92
- Discounts: Multi-car, Safe driver, Military
- Why Choose GEICO:
GEICO offers consistently lower rates for reliable car models like Toyota Corolla and Honda Civic. Their customer service is top-rated and claims process is smooth.
2. State Farm – Best for Safe Drivers
- Average Monthly Cost: $85
- Discounts: Good driver, Accident-free, Student
- Why Choose State Farm:
If you’ve had a clean driving record, State Farm offers some of the best loyalty and safe driving discounts for Toyota Camry and Honda Accord owners.
3. Progressive – Great for Customization
- Average Monthly Cost: $95
- Discounts: Snapshot app, Bundled policies
- Why Choose Progressive:
Progressive is known for flexible coverage and discounts through their usage-based insurance. Ideal for city drivers using Toyota Prius or Honda Fit.
4. Liberty Mutual – Best for Young Drivers
- Average Monthly Cost: $110
- Discounts: Online quote, Student, Hybrid cars
- Why Choose Liberty Mutual:
Liberty offers special programs for first-time car owners and students, making it a good choice for younger Toyota Yaris or Honda HR-V users.
5. Allstate – Best for Comprehensive Coverage
- Average Monthly Cost: $120
- Discounts: Safe driver bonus, Early signing
- Why Choose Allstate:
If you’re looking for full coverage with roadside assistance, accident forgiveness, and more, Allstate is a solid pick.
Bonus: How to Save More on Car Insurance
- Compare quotes from 3+ providers
- Bundle with home/renter’s insurance
- Increase deductible slightly to lower premium
- Use insurance comparison tools like Policygenius or The Zebra
Comparison Table
| Provider | Avg. Monthly Cost | Best For | Website |
|---|---|---|---|
| GEICO | $92 | Low cost + trusted | geico.com |
| State Farm | $85 | Safe drivers | statefarm.com |
| Progressive | $95 | Custom coverage | progressive.com |
| Liberty Mutual | $110 | Young drivers | libertymutual.com |
| Allstate | $120 | Full coverage | allstate.com |
Conclusion
Whether you drive a Toyota Corolla or a Honda Accord, there are many ways to cut your car insurance costs in 2025. Start by comparing these providers, check for discounts, and switch to the plan that fits your needs and budget.