2015 Toyota Tacoma Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2015 Toyota Tacoma are $1,248 a year for full coverage insurance. Comprehensive insurance costs around $238 a year, collision costs $400, and liability insurance costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing $2,698 or more. Teenage drivers receive the highest rates at $4,804 a year or more.
Annual premium for full coverage: $1,248
Rate estimates for 2015 Toyota Tacoma Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 the average driver, prices range go from as low as $504 for just liability coverage to a high of $2,698 for a driver that may need high-risk insurance.
These differences illustrate why it is important for drivers to compare rates for a specific zip code and risk profile, rather than relying on average rates.
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 2015 Toyota Tacoma Insurance
Are you overwhelmed by the crazy number of insurance choices? Lot’s of other consumers are too. There are so many choices that it can be more work than you anticipated to find the perfect company for you.
Smart consumers take time to compare rates on a regular basis because rates trend upward over time. Even if you think you had the best deal on Tacoma insurance six months ago you can probably find a better price now. So forget anything you know (or think you know) about insurance because you’re going to learn one of the best ways to find lower rates on insurance.
Shopping for the best car insurance is quite easy. Basically, anyone who shops for car insurance should be able to cut their insurance bill. But drivers must know how the larger insurance companies price insurance differently and take advantage of how the system works.
How to Compare Car Insurance Quotes
Shopping for lower car insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could waste time talking to agents in your area, or you can stay home and use the internet to get prices fast.
The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quote requests for each company.
To find out how much you can save on car insurance click here to open in new window.
The one downside to comparing rates this way is you are unable to specify the providers you want to price. So if you prefer to choose individual companies to compare, we have a page of low cost car insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just ensure you’re using the exact same deductibles and coverage limits for every quote you compare. If the quotes have higher or lower deductibles it will be impossible to make a fair comparison for your Toyota Tacoma. Having just a slight variation in coverage limits can result in a big premium difference. Just remember that quoting more will increase your chances of finding lower pricing.
When should I use an insurance agent?
When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.
Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.
- When can my company non-renew my policy?
- Does my 2015 Toyota Tacoma qualify for pleasure use?
- Do I have coverage when pulling a U-Haul trailer?
- How do I insure my teen driver?
- When should my teen driver be added to my policy?
- Is my camper covered by my car insurance policy?
- If my pet gets injured in an accident are they covered?
- Am I missing any policy discounts?
- Am I covered if I hit my neighbor’s mailbox?
- Am I covered if I drive in a foreign country?
If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.
Car insurance coverage information
Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Uninsured and underinsured coverage
This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2015 Toyota Tacoma.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.
Collision insurance pays for damage to your Tacoma resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as rock chips in glass, fire damage, falling objects, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability auto insurance
This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like funeral expenses, structural damage, medical services, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like ambulance fees, pain medications, hospital visits, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Rates by U.S. City
|New York City, NY||$1,971|
|Los Angeles, CA||$2,133|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$86|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.