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2009 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: Dec 2, 2021

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Average insurance rates for a 2009 Toyota Tacoma are $1,064 a year including full coverage. Comprehensive insurance costs approximately $180, collision costs $252, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,290 or more. Teen drivers receive the highest rates at $4,244 a year or more.

Annual premium for full coverage: $1,064

Rate estimates for 2009 Toyota Tacoma Insurance

Comprehensive $180
Collision $252
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $522 for the bare minimum liability coverage to the much higher price of $2,290 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,064
High Risk $2,290

View Chart as Image

2009 Toyota Tacoma insurance rates compared
Column chart showing 2009 Toyota Tacoma insurance prices range from $641 to $4,244 for full coverage

These differences highlight why everyone should compare rates using their specific location 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 2009 Toyota Tacoma Insurance

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Scraping up a payment for overpriced Toyota Tacoma insurance can overdraw your savings account and make it impossible to make ends meet. Doing a price comparison is free and is an excellent way to cut your insurance bill.

You have multiple car insurance companies to buy insurance from, and although it’s nice to have a selection, having more car insurance companies makes it harder to find the best rates for your vehicles.

These discounts can lower your rates

Car insurance companies don’t always list every available discount very well, so here is a list both the well known and also the lesser-known discounts you could be receiving.

  • Clubs and Organizations – Participating in certain professional organizations could qualify you for a break on insurance coverage on Tacoma insurance.
  • Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Paperless Signup – A few companies give back up to $50 just for signing your application on their website.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Claim Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Homeowners Discount – Owning a home can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Tacoma insurance than their less cautious counterparts.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Lesser-known factors impacting Toyota Tacoma insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with better car insurance rates.

Shown below are some of the items used by your company to calculate rates.

  • Policy add-ons can waste money – There are many extra coverages that can waste your money on your 2009 Tacoma policy. Coverages for personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Marriage pays dividends – Getting married helps lower the price on car insurance. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Where you live is a factor – Living in less populated areas can save you money when buying car insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Toyota Tacoma scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Discounts for multiple policies – Most insurance companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Do you know your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more expense the insured has to pay upfront, the bigger discount you will receive on Tacoma insurance.
  • Drive less and save money – The more you drive every year the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use qualify for better rates than those used for commuting. An improperly rated Tacoma may be wasting your money. Double check that your car insurance policy properly reflects the correct driver usage.
  • Your credit rating is important – Credit history is a big factor in determining your rates. If your credit is not that good, you could be paying less to insure your 2009 Toyota Tacoma by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.

Different people need different coverages

When buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining if your situation might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Does having multiple vehicles earn me a discount?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my 2009 Toyota Tacoma covered for smoke damage?
  • Does insurance cover tools stolen from my truck?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I carry comprehensive and collision coverage?
  • Are rock chip repairs covered?
  • Does my policy cover my teen driver if they drive my company car?

Ads can be misleading

GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise that you can save if you switch your coverage to them. How can each company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. An example of a preferred risk might be profiled as between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will have to pay higher rates which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently make those claims. Because of the profiling, it’s extremely important to compare as many rates as you can. You cannot predict which insurance coverage company will give you the biggest savings on Toyota Tacoma insurance.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Coverage for collisions

This pays for damage to your Tacoma resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, hitting a mailbox, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, chiropractic care and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, medical services, emergency aid, court costs and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer, vandalism, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

More comparisons equals lower rates

We just covered some good ideas how you can reduce 2009 Toyota Tacoma insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

While you’re price shopping online, do not buy poor coverage just to save money. There are many occasions where an insured cut physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Even more information is located by following these links:

Rates by U.S. City

2009 Toyota Tacoma Insurance Rates by City
City Premium
New York City, NY $1,680
Los Angeles, CA $1,818
Philadelphia, PA $1,420
Jacksonville, FL $1,545
Phoenix, AZ $1,235
Chicago, IL $1,426
Houston, TX $1,667
Seattle, WA $1,036
Columbus, OH $888
Indianapolis, IN $902

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Toyota Tacoma Insurance Rates by Driver Age
Driver Age Premium
16 $4,244
20 $2,434
30 $1,084
40 $1,064
50 $976
60 $956

Full coverage, $500 deductibles

Rates by Deductible

2009 Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,252
$250 $1,164
$500 $1,064
$1,000 $964

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,064
50/100 $1,159
100/300 $1,277
250/500 $1,585
100 CSL $1,206
300 CSL $1,467
500 CSL $1,657

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Toyota Tacoma Insurance Rates for High Risk Drivers
Age Premium
16 $5,986
20 $3,882
30 $2,314
40 $2,290
50 $2,190
60 $2,168

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $67
5-yr Claim Free $67
Paid in Full/EFT $40
Advance Quote $47
Online Quote $72
Total Discounts $423
Rate after discounts $641

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

Find companies with the cheapest rates in your area

2009 Toyota Tacoma Insurance Rates by State
State Premium
Alabama $962
Alaska $816
Arizona $882
Arkansas $1,064
California $1,212
Colorado $1,014
Connecticut $1,094
Delaware $1,204
Florida $1,332
Georgia $980
Hawaii $764
Idaho $718
Illinois $792
Indiana $798
Iowa $716
Kansas $1,012
Kentucky $1,450
Louisiana $1,574
Maine $656
Maryland $876
Massachusetts $852
Michigan $1,846
Minnesota $890
Mississippi $1,272
Missouri $942
Montana $1,142
Nebraska $838
Nevada $1,274
New Hampshire $766
New Jersey $1,188
New Mexico $942
New York $1,120
North Carolina $614
North Dakota $870
Ohio $734
Oklahoma $1,092
Oregon $974
Pennsylvania $1,014
Rhode Island $1,416
South Carolina $962
South Dakota $898
Tennessee $930
Texas $1,282
Utah $786
Vermont $728
Virginia $638
Washington $822
West Virginia $974
Wisconsin $736
Wyoming $948

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