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Toyota HiLux Insurance

Learn the facts so you can find the right insurance for your Toyota HiLux

Alexandra Koster
Alexandra Koster
Updated
Fact checked

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The Toyota HiLux is a vehicle synonymous with hard work. For five decades, the HiLux has proved through and through that reliability is in its bones, taking part in some of the toughest cross-country challenges in the world. It has gained a well-earned reputation as an “unbreakable” vehicle – a reputation that was strengthened even further through its trials on BBC’s Top Gear.

To learn how to get the best from your cover, keep premiums down and save on insurance costs, read our guide to Toyota Hilux insurance.

Compare some Toyota HiLux insurance options

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
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QBE Comprehensive
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
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Bingle Comprehensive
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
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Coles Comprehensive
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
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Poncho Comprehensive
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
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Qantas Comprehensive
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
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Virgin Comprehensive
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
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Stella Comprehensive
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. Get $50 cash back when you purchase online between 1 April – 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
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Youi Comprehensive
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service
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Real Comprehensive
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
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Australia Post Comprehensive
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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*Your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving, the amount of cover you need, plus more. Always read the PDS to find a cover that suits you.

Toyota hilux

What affects my Toyota HiLux insurance rate?

When assessing the risk of providing car insurance, many companies consider a number of factors. These can include your age, marital status, job and residence as well as your driving record, credit history and insurance history. Your vehicle will also be assessed on the following:

  • Model and age of the HiLux
  • Safety rating, security and any anti-theft precautions
  • Annual mileage
  • Engine capacity

How can I save on my Toyota HiLux premiums?

We have some advice that may help you save money on your premiums:

  • Pay annually rather than monthly. Some insurers will charge you more if you choose to pay monthly. Opt to pay annually and this could save you money in the long run and make insurance a little less stressful.
  • Claim less. Having a history of not making any claims on any insurance policies may help you get lower premiums on your HiLux cover.
  • Minimise your use. Instead of zipping down to the shops in your HiLux or running the maze of the city, walk or catch public transport to reduce your premiums. You’ll also save on petrol and reduce your chances of an accident.
  • Question your renewal quote if it seems high. Don’t be afraid to shop around and see what the market has to offer. You could either find a cheaper option or use the information you find to haggle for a better price with your current provider.
  • Safety first. Risk is an insurer’s biggest fear. Any additional safety measures you take, such as higher quality brakes, locks or safety belts, will encourage a lower premium with your cover.
  • Drive safely. While a car can be as safe as a house, the driver will always be considered the main risk. Drive safely, sensibly and always within the law to avoid convictions, fines or demerit points, all of which may raise your risk in the eyes of a provider – and the premiums for your cover.

Toyota HiLux facts

  • The Toyota HiLux has a strong reputation as an “unbreakable” vehicle, famously demonstrated on BBC’s popular program, Top Gear, where a used Toyota HiLux diesel was dunked in the ocean, set alight and placed atop a building which was then demolished. This would kill an ordinary vehicle, but the HiLux chugged on happily.
  • Over 50 years in production, the HiLux has completed the world’s toughest cross-country challenges, including Dakar, and has long been the vehicle of choice for tradesmen, farmers and government agencies.
  • It’s the only ute ever to top Australia’s annual new-sale vehicle charts. The Toyota HiLux, now in its eighth generation, comes in over 30 variants for chassis, cab, drive, back and engine capacity, and it remains one of the most popular and reliable work vehicles on the market.

How safe is the Toyota HiLux?

The Toyota HiLux has maintained the maximum 5-star ANCAP safety rating since 2015. Electronic stability control with trailer sway control and seven airbags come as standard across the range as well as a reverse camera on all pick-up models. However, the HiLux’s main competitor, the Ford Ranger, includes advanced safety tech not found in any of the HiLux models, such as lane-departure warning, forward collision warning and Auto Emergency Braking (AEB).

All dual-cab HiLuxs do include an ISOFIX child seat anchor point, which is perfect for a family with a baby seat or two.

If you are interested in more information about this workhorse, check out our Toyota HiLux review.

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