Toyota
bZ Insurance Cost 2026
Published averages put the Toyota bZ at $2,197–$2,768 a year for full coverage: QuinStreet's Insurance.com and MoneyGeek, both for a 40-year-old driver, 100/300/100 liability, $500 deductibles. Our estimator uses the midpoint of the two, $2,480, which is 29% below the same-basis EV average.
Where the Toyota bZ range comes from
We show a model's insurance cost only when two insurer-data publishers measure the same thing and agree within 1.5 times. For the Toyota bZ they do: the higher figure is 1.26 times the lower.
The midpoint, $2,480, is 29% below $3,490, the midpoint of the same-basis national EV averages (QuinStreet $3,708, MoneyGeek $3,281), which puts the Toyota bZ in our "Below the EV average" band.
What publishers report for the Toyota bZ
National, full-coverage Toyota bZ averages from insurer-data publishers, one per publisher, cheapest first. They use different drivers, deductibles and statistics, so they are not interchangeable; only the two marked "same basis" form the range above.
| Publisher | Annual | Statistic | Driver | Liability | Deductible | Updated |
|---|---|---|---|---|---|---|
| MoneyGeek same basis listed as “Toyota bZ4X” | $2,197 | average | 40 | 100/300/100 | $500 | August 24, 2026 |
| Insurance.com same basis listed as “Toyota bZ4X” | $2,768 | average | 40 (male) | 100/300/100 | $500 | September 8, 2026 |
- MoneyGeek: Published under the car's pre-2026 name, bZ4X.
- Insurance.com: Published under the car's pre-2026 name, bZ4X.
Toyota bZ insurance cost by state (estimates)
Estimate = the $2,480 midpoint × the state's multiplier. Each multiplier is that state's average full-coverage premium divided by the $2,578 US average in CarInsurance.com's state table (updated July 21, 2026). That table prices a benchmark sedan (a 2025 Honda Accord LX), not an EV, and real quotes also vary by city, age, credit and driving record.
| State | Multiplier | Estimated annual |
|---|---|---|
| Louisiana | 1.55× | $3,840 |
| Michigan | 1.54× | $3,820 |
| Nevada | 1.54× | $3,820 |
| Florida | 1.52× | $3,770 |
| California | 1.34× | $3,320 |
| District of Columbia | 1.34× | $3,320 |
| Colorado | 1.23× | $3,050 |
| Delaware | 1.22× | $3,030 |
| New Jersey | 1.21× | $3,000 |
| Texas | 1.20× | $2,980 |
| Oklahoma | 1.16× | $2,880 |
| Arkansas | 1.14× | $2,830 |
| Rhode Island | 1.12× | $2,780 |
| Connecticut | 1.06× | $2,630 |
| Kentucky | 1.02× | $2,530 |
| North Carolina | 1.02× | $2,530 |
| Minnesota | 1.01× | $2,500 |
| New York | 1.01× | $2,500 |
| New Mexico | 1.00× | $2,480 |
| South Dakota | 1.00× | $2,480 |
| Georgia | 0.97× | $2,410 |
| Kansas | 0.97× | $2,410 |
| Montana | 0.96× | $2,380 |
| Iowa | 0.95× | $2,360 |
| North Dakota | 0.95× | $2,360 |
| Arizona | 0.94× | $2,330 |
| Massachusetts | 0.94× | $2,330 |
| South Carolina | 0.94× | $2,330 |
| West Virginia | 0.94× | $2,330 |
| Mississippi | 0.93× | $2,310 |
| Washington | 0.93× | $2,310 |
| Utah | 0.91× | $2,260 |
| Wisconsin | 0.91× | $2,260 |
| Pennsylvania | 0.90× | $2,230 |
| Tennessee | 0.87× | $2,160 |
| Alaska | 0.84× | $2,080 |
| Missouri | 0.83× | $2,060 |
| Alabama | 0.82× | $2,030 |
| Nebraska | 0.81× | $2,010 |
| Wyoming | 0.80× | $1,980 |
| Oregon | 0.79× | $1,960 |
| Maryland | 0.78× | $1,930 |
| Illinois | 0.75× | $1,860 |
| Idaho | 0.74× | $1,840 |
| Indiana | 0.73× | $1,810 |
| Virginia | 0.71× | $1,760 |
| Maine | 0.70× | $1,740 |
| Ohio | 0.69× | $1,710 |
| Hawaii | 0.68× | $1,690 |
| New Hampshire | 0.66× | $1,640 |
| Vermont | 0.64× | $1,590 |
EVs that cost about the same to insure
The models whose published ranges sit closest to the Toyota bZ's, plus a same-brand sibling where there is one:
Estimate your own Toyota bZ premium
Our estimator starts from the $2,480 midpoint and adjusts it for your state, age, credit, driving record and deductible. Treat the result as a rough guide, then compare real quotes.
Use the estimator →Frequently asked questions
How much does Toyota bZ insurance cost?
Published averages put the Toyota bZ at $2,197–$2,768 a year for full coverage. QuinStreet's Insurance.com reports $2,768 (updated September 8, 2026) and MoneyGeek $2,197 (updated August 24, 2026), both for a 40-year-old driver, 100/300/100 liability, $500 deductibles. The midpoint of the two is $2,480.
How much is Toyota bZ insurance in my state?
Multiplying the $2,480 midpoint by each state's multiplier gives estimates from about $1,590 a year in Vermont to $3,840 in Louisiana. They are estimates: the multipliers come from CarInsurance.com's state averages for a benchmark sedan, not from Toyota bZ quotes.
Is the Toyota bZ expensive to insure?
Its midpoint, $2,480, is 29% below $3,490, the midpoint of the same-basis national EV averages (QuinStreet $3,708, MoneyGeek $3,281). That puts it in our "Below the EV average" band.
How can I lower my Toyota bZ insurance?
Compare quotes from several insurers first: published averages for the same car differ between publishers, and individual insurers differ more. Then ask about a home-and-auto bundle and any EV discount, price a higher deductible you could actually pay after a claim, and ask whether a telematics program would lower your rate.