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2008 Toyota Tacoma Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 2008 Toyota Tacoma are $1,038 a year with full coverage. Comprehensive insurance costs around $174 each year, collision insurance costs $228, and liability insurance costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs $2,234 or more. Teen drivers receive the highest rates at up to $4,164 a year.

Annual premium for full coverage: $1,038

Rate estimates for 2008 Toyota Tacoma Insurance

Comprehensive $174
Collision $228
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Toyota Tacoma models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $526 for a discount liability-only rate to a high rate of $2,234 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,038
High Risk $2,234

View Chart as Image

2008 Toyota Tacoma insurance rates compared
Column chart showing 2008 Toyota Tacoma insurance prices range from $628 to $4,164 for full coverage

These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Toyota Tacoma Insurance

Searching Companies

Looking for lower insurance rates for your Toyota Tacoma? Are you a victim of high-priced insurance? Trust us, there are a lot of people just like you who feel imprisoned by their insurance policy.

There is such a variety of insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

Take these five discounts and save

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you purchase, but some may not be applied and must be asked about before you will receive the discount.

  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Tacoma insurance than less cautious drivers.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce your premiums.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your state.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out if your insurance needs could use an agent’s help.

  • What is UM/UIM insurance?
  • What is roadside assistance coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I have a commercial auto policy?
  • Does medical payments coverage apply to all occupants?
  • Is there coverage for injuries to my pets?
  • When would I need rental car insurance?
  • Is my ex-spouse still covered by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies say the same thing that you’ll save big if you switch to their company. How does each company claim to save you money? It’s all in the numbers.

All companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer could be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A driver who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential customers who don’t meet this ideal profile must pay higher rates which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. This is how companies can state the savings.

This illustrates why you absolutely need to compare many company’s rates. It’s impossible to know which auto insurance company will provide you with the cheapest Toyota Tacoma insurance rates.

What car insurance coverages do you need?

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average car insurance policy.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, hitting a mailbox, crashing into a building, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hail damage, falling objects, damage from getting keyed and a broken windshield. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for surgery, ambulance fees, dental work, funeral costs and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Toyota Tacoma.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, court costs, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Stretch your dollar

As you restructure your insurance plan, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

You just learned some good ideas how you can lower your 2008 Toyota Tacoma insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Helpful information

Rates by U.S. City

2008 Toyota Tacoma Insurance Rates by City
City Premium
New York City, NY $1,641
Los Angeles, CA $1,773
Philadelphia, PA $1,389
Jacksonville, FL $1,508
Phoenix, AZ $1,207
Chicago, IL $1,393
Houston, TX $1,630
Seattle, WA $1,011
Columbus, OH $869
Indianapolis, IN $884

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Toyota Tacoma Insurance Rates by Driver Age
Driver Age Premium
16 $4,164
20 $2,374
30 $1,058
40 $1,038
50 $956
60 $934

Full coverage, $500 deductibles

Rates by Deductible

2008 Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,212
$250 $1,134
$500 $1,038
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,134
100/300 $1,253
250/500 $1,564
100 CSL $1,181
300 CSL $1,444
500 CSL $1,636

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Toyota Tacoma Insurance Rates for High Risk Drivers
Age Premium
16 $5,872
20 $3,784
30 $2,256
40 $2,234
50 $2,138
60 $2,114

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.

SR-22 Surcharge $139

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $410
Rate after discounts $628

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Toyota Tacoma Insurance Rates by State
State Premium
Alabama $940
Alaska $798
Arizona $862
Arkansas $1,038
California $1,182
Colorado $992
Connecticut $1,070
Delaware $1,176
Florida $1,300
Georgia $958
Hawaii $746
Idaho $704
Illinois $774
Indiana $782
Iowa $700
Kansas $990
Kentucky $1,418
Louisiana $1,536
Maine $642
Maryland $856
Massachusetts $832
Michigan $1,806
Minnesota $870
Mississippi $1,244
Missouri $922
Montana $1,118
Nebraska $820
Nevada $1,244
New Hampshire $748
New Jersey $1,162
New Mexico $918
New York $1,094
North Carolina $598
North Dakota $850
Ohio $718
Oklahoma $1,066
Oregon $952
Pennsylvania $992
Rhode Island $1,386
South Carolina $942
South Dakota $878
Tennessee $910
Texas $1,254
Utah $770
Vermont $712
Virginia $622
Washington $802
West Virginia $952
Wisconsin $718
Wyoming $928

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