Your automobile insurance rate will not be affected by the Toyota safety recall because the fault for any potential accidents will rest with the car manufacturer, not the individual driving the car in most cases. Accidents stemming from the defective parts will have no bearing on how auto insurance companies set their rates. If your automobile is one of those affected by the recall, be sure to have the repairs done at an authorized Toyota dealership and secure a repair statement from the dealership so that you have proof the repair work was done. That way you will have proof that you are not responsible if your auto insurance company questions an accident claim you might have as a result of the defect.