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2012 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: Nov 23, 2017

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Average insurance rates for a 2012 Toyota Tacoma are $1,134 a year including full coverage. Comprehensive insurance costs an estimated $206, collision costs $310, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,446 or more. Teen drivers receive the highest rates at $4,448 a year or more.

Annual premium for full coverage: $1,134

Rate estimates for 2012 Toyota Tacoma Insurance

Comprehensive $206
Collision $310
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 40-year-old driver, prices range go from as low as $510 for only liability insurance to a much higher rate of $2,446 for high-risk insurance.

Liability Only $510
Full Coverage $1,134
High Risk $2,446

View Chart as Image

2012 Toyota Tacoma insurance rates compared
Column chart showing 2012 Toyota Tacoma insurance prices range from $674 to $4,448 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using 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 2012 Toyota Tacoma Insurance

Searching Companies

Want better insurance rates for your Toyota Tacoma? Expensive insurance can drain your personal savings and make it impossible to make ends meet. Shopping your coverage around is a smart way to cut your insurance bill. Insurance companies such as GEICO, Progressive and Allstate all promote huge savings with catchy ads and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

It’s a good idea to take a look at other company’s rates every six months due to the fact that insurance rates go up and down regularly. Just because you had the best price on Tacoma insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you purchase, but a few need to be asked about before you get the savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage because maintaining a house is proof that your finances are in order.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on Tacoma insurance.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings when shopping for insurance coverage on Tacoma insurance.
  • Paperwork-free – Certain companies may give you up to $50 simply for signing digitally online.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

Keep in mind that some credits don’t apply the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

A partial list of companies who might offer these discounts include:

Check with every prospective company how you can save money. Discounts may not apply everywhere.

The easiest way to get policy rate comparisons is to know the fact most of the bigger providers have advanced systems to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information like what you do for a living, distance driven, if you are currently licensed, and if you’re married. That rating information is submitted instantly to many of the top insurers and they return rate quotes with very little delay.

Why your Toyota Tacoma insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

  • Policy add-ons can waste money – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for vanishing deductibles, accidental death and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Never go without insurance – Having an insurance coverage lapse will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a steep fine or even jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Toyota. A few examples of covered claims are collision with another vehicle, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more expense you have to pay, the lower your rates will be on Tacoma insurance.
  • Teen drivers pay high rates – Teen drivers are known to be less responsible when driving so auto insurance rates are higher. If you’ve ever had to add a teen driver to your policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.

Your personal situation dictates your coverage

When buying coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Does my policy cover my teen driver if they drive my company car?
  • What vehicles should carry emergency assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my trailer covered?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Is there deception in advertising?

Consumers constantly see and hear ads that promise big savings by Allstate and Progressive. They all have a common claim about savings if you move to their company.

How do they all claim to save you money? This is how they do it.

All companies can use profiling for the right customer that makes them money. For example, a preferred risk could possibly be between 30 and 50, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” receives the best rates and most likely will save when they switch companies.

Potential customers who don’t qualify for the requirements must pay higher rates which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save money. This is how companies can make those claims.

This illustrates why drivers must compare as many rates as you can. It’s impossible to know which company will have the lowest Toyota Tacoma insurance rates.

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, medical expenses, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a bird, a broken windshield, fire damage and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses for things like ambulance fees, EMT expenses, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

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

Collision coverage pays for things such as hitting a parking meter, scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

One last thing about your coverage

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many instances, someone sacrificed liability coverage limits and discovered at claim time that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate.

Cost effective 2012 Toyota Tacoma insurance is attainable both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Additional insurance coverage information is available below:

Rates by U.S. City

2012 Toyota Tacoma Insurance Rates by City
City Premium
New York City, NY $1,791
Los Angeles, CA $1,938
Philadelphia, PA $1,515
Jacksonville, FL $1,645
Phoenix, AZ $1,319
Chicago, IL $1,519
Houston, TX $1,778
Seattle, WA $1,106
Columbus, OH $949
Indianapolis, IN $963

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Toyota Tacoma Insurance Rates by Driver Age
Driver Age Premium
16 $4,448
20 $2,602
30 $1,164
40 $1,134
50 $1,038
60 $1,016

Full coverage, $500 deductibles

Rates by Deductible

2012 Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,254
$500 $1,134
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,134
50/100 $1,226
100/300 $1,341
250/500 $1,640
100 CSL $1,272
300 CSL $1,525
500 CSL $1,709

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Toyota Tacoma Insurance Rates for High Risk Drivers
Age Premium
16 $6,292
20 $4,142
30 $2,478
40 $2,446
50 $2,338
60 $2,316

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $52
Online Quote $78
Total Discounts $460
Rate after discounts $674

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

Find companies with the cheapest rates in your area

2012 Toyota Tacoma Insurance Rates by State
State Premium
Alabama $1,026
Alaska $870
Arizona $942
Arkansas $1,134
California $1,292
Colorado $1,084
Connecticut $1,164
Delaware $1,284
Florida $1,418
Georgia $1,046
Hawaii $814
Idaho $768
Illinois $844
Indiana $852
Iowa $764
Kansas $1,076
Kentucky $1,548
Louisiana $1,678
Maine $700
Maryland $936
Massachusetts $908
Michigan $1,970
Minnesota $950
Mississippi $1,358
Missouri $1,006
Montana $1,218
Nebraska $894
Nevada $1,360
New Hampshire $818
New Jersey $1,268
New Mexico $1,004
New York $1,194
North Carolina $652
North Dakota $928
Ohio $784
Oklahoma $1,164
Oregon $1,038
Pennsylvania $1,082
Rhode Island $1,514
South Carolina $1,028
South Dakota $958
Tennessee $994
Texas $1,368
Utah $840
Vermont $776
Virginia $680
Washington $878
West Virginia $1,038
Wisconsin $784
Wyoming $1,010

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