Toyota Tacoma Insurance Rates
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UPDATED: Jun 6, 2023
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Are Tacomas expensive to insure compared to other vehicles? The average Toyota Tacoma insurance rates are $1,338 a year, or $111 a month. Read on to learn more about Toyota Tacoma car insurance rates and what you can do to save.
To start shopping for the cheapest Toyota Tacoma insurance rates in your area, enter your ZIP code in our free tool above.
Average auto insurance rates for a Toyota Tacoma are $1,296 annually including full coverage. Comprehensive costs approximately $262, collision insurance costs $446, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, and high-risk insurance costs around $2,802. Teenage drivers receive the highest rates at up to $4,922 a year.
Average premium for full coverage: $1,296
Rate estimates by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Tacoma trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $486 for the bare minimum liability coverage to a much higher rate of $2,802 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down average Toyota Tacoma insurance rates for additional coverage and risk scenarios.
- The best discount rate is $756
- Choosing higher $1,000 deductibles can save $160 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,296
- Using more expensive low deductibles for comp and collision coverage will cost $1,608
- Unlucky drivers who are prone to accidents and violations could pay around $2,802
- The cost with full coverage for a teen driver with full coverage can cost $4,922 each year
Insurance rates for a Toyota Tacoma can also vary considerably based on the trim level of your Tacoma, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $480 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Tacoma insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,174 | -$122 | -9.4% |
Alaska | $996 | -$300 | -23.1% |
Arizona | $1,076 | -$220 | -17.0% |
Arkansas | $1,296 | -$0 | 0.0% |
California | $1,478 | $182 | 14.0% |
Colorado | $1,238 | -$58 | -4.5% |
Connecticut | $1,334 | $38 | 2.9% |
Delaware | $1,468 | $172 | 13.3% |
Florida | $1,622 | $326 | 25.2% |
Georgia | $1,196 | -$100 | -7.7% |
Hawaii | $930 | -$366 | -28.2% |
Idaho | $876 | -$420 | -32.4% |
Illinois | $966 | -$330 | -25.5% |
Indiana | $976 | -$320 | -24.7% |
Iowa | $876 | -$420 | -32.4% |
Kansas | $1,234 | -$62 | -4.8% |
Kentucky | $1,768 | $472 | 36.4% |
Louisiana | $1,918 | $622 | 48.0% |
Maine | $800 | -$496 | -38.3% |
Maryland | $1,068 | -$228 | -17.6% |
Massachusetts | $1,038 | -$258 | -19.9% |
Michigan | $2,252 | $956 | 73.8% |
Minnesota | $1,086 | -$210 | -16.2% |
Mississippi | $1,552 | $256 | 19.8% |
Missouri | $1,152 | -$144 | -11.1% |
Montana | $1,394 | $98 | 7.6% |
Nebraska | $1,022 | -$274 | -21.1% |
Nevada | $1,554 | $258 | 19.9% |
New Hampshire | $936 | -$360 | -27.8% |
New Jersey | $1,450 | $154 | 11.9% |
New Mexico | $1,148 | -$148 | -11.4% |
New York | $1,366 | $70 | 5.4% |
North Carolina | $748 | -$548 | -42.3% |
North Dakota | $1,062 | -$234 | -18.1% |
Ohio | $896 | -$400 | -30.9% |
Oklahoma | $1,332 | $36 | 2.8% |
Oregon | $1,186 | -$110 | -8.5% |
Pennsylvania | $1,238 | -$58 | -4.5% |
Rhode Island | $1,730 | $434 | 33.5% |
South Carolina | $1,174 | -$122 | -9.4% |
South Dakota | $1,094 | -$202 | -15.6% |
Tennessee | $1,136 | -$160 | -12.3% |
Texas | $1,564 | $268 | 20.7% |
Utah | $960 | -$336 | -25.9% |
Vermont | $888 | -$408 | -31.5% |
Virginia | $778 | -$518 | -40.0% |
Washington | $1,002 | -$294 | -22.7% |
West Virginia | $1,188 | -$108 | -8.3% |
Wisconsin | $898 | -$398 | -30.7% |
Wyoming | $1,156 | -$140 | -10.8% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Tacoma 2WD | $1,262 | $105 |
Toyota Tacoma 4WD | $1,228 | $102 |
Toyota Tacoma Double Cab 4WD | $1,268 | $106 |
Toyota Tacoma X-Runner 2WD | $1,380 | $115 |
Toyota Tacoma Double Cab 4WD | $1,308 | $109 |
Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,348 | $112 |
Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,348 | $112 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
2019 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
2017 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
2016 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
2015 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
2014 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
2013 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
2012 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
2010 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
2009 Toyota Tacoma | $152 | $190 | $474 | $974 |
2008 Toyota Tacoma | $148 | $170 | $468 | $944 |
2007 Toyota Tacoma | $146 | $166 | $460 | $930 |
2006 Toyota Tacoma | $144 | $160 | $452 | $914 |
2005 Toyota Tacoma | $132 | $152 | $446 | $888 |
2004 Toyota Tacoma | $126 | $144 | $442 | $870 |
Rates are averaged for all Toyota Tacoma models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Toyota Tacoma Insurance
Saving money on car insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The points below are a brief summary of the information touched on in the above illustrations.
- You may be able to save around $150 per year just by shopping early and online
- Drivers under the age of 20 are expensive to insure, as much as $410 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $475 each year
- Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,510 more per year to insure a Toyota Tacoma
- Policyholders who purchase increased liability limits will pay an extra $470 per year to raise limits from a minimum limit to higher 250/500 limits
Whether you are buying 2020 Tacoma insurance or insurance for a used Toyota Tacoma, remember that shopping for insurance quotes will help you save. Use our free tool below to find the best Tacoma insurance costs in your area.
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What are the safety ratings of the Toyota Tacoma?
Not only do good safety features and ratings help keep you safe, but they will also help lower your car insurance rates. The Toyota Tacoma has some great safety features. In addition to a multiple airbag system, it has brake assist, traction control, lane departure warning, and more.
The 2020 Toyota Tacoma’s safety ratings from the Insurance Institute of Highway Safety (IIHS) are also good. Take a look at the ratings for various IIHS crash tests below.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the best rating from the IIHS, so most insurers should provide a small discount for the Toyota Tacoma’s safety features and ratings. If you would like to see how the IIHS tests vehicles, watch the video below to see what these ratings are based on.
Toyota Tacoma Compared Against Other Vehicles in the Same Class
The Toyota Tacoma is a small pickup. The IIHS has rated the Toyota Tacoma’s bodily injury and property damage liability losses as average, which means the Toyota Tacoma’s liability rates should be normal.
To see how the Toyota Tacoma’s insurance rates compare to other small pickups’ insurance rates, take a look at the list of vehicles below.
Are you ready to start shopping for Toyota Tacoma insurance rates? Enter your ZIP code in our free rate comparison tool.
References:
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,922 |
20 | $2,984 |
30 | $1,344 |
40 | $1,296 |
50 | $1,186 |
60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,608 |
$250 | $1,464 |
$500 | $1,296 |
$1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,296 |
50/100 | $1,434 |
100/300 | $1,542 |
250/500 | $1,821 |
100 CSL | $1,477 |
300 CSL | $1,714 |
500 CSL | $1,886 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,000 |
20 | $4,750 |
30 | $2,854 |
40 | $2,802 |
50 | $2,674 |
60 | $2,650 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $68 |
Multi-vehicle | $68 |
Homeowner | $20 |
5-yr Accident Free | $92 |
5-yr Claim Free | $83 |
Paid in Full/EFT | $56 |
Advance Quote | $62 |
Online Quote | $91 |
Total Discounts | $540 |
Discounts are estimated and may not be available from every company or in every state.
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