Cheap Auto Insurance Quotes for a Toyota Tacoma in California
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UPDATED: Nov 19, 2019
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Buying economical insurance for a Toyota Tacoma hinges on a lot of factors such as your birth date, your credit rating, and your choice of physical damage deductibles. California drivers pay approximately $1,487 per year for Tacoma insurance, but that price is an estimate based upon a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even female), you might be married instead of single, and you need different coverage limits than the sample rates. Everone’s needs are different, and this illustrates why the only way to find the cheapest coverage for your Toyota is to compare as many rates as you can.
Vehicle trim level tends to have a direct effect on price, so the rate you will pay to insure a Tacoma 2WD will cost $80 less than the cost to insure the higher-end Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$308||$570||$596||$36||$178||$1,688||$141|
|Tacoma X-Runner 2WD||$308||$672||$596||$36||$178||$1,790||$149|
|Tacoma Double Cab 4WD||$348||$570||$596||$36||$178||$1,728||$144|
|Tacoma Double Cab TRD Off-Road Package 4WD||$348||$570||$596||$36||$178||$1,728||$144|
|Tacoma Double Cab TRD Sport Package 4WD||$348||$570||$596||$36||$178||$1,728||$144|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in vehicle location which can change coverage prices noticeably.
Buying cheap car insurance is not always easy, and deciding which company offers the best auto insurance rates for a Toyota Tacoma may require even more diligence.
Every car insurance company has their own process to determine rates, so we’ll take a look at the auto insurance companies with the overall best prices in California. It’s important that readers know that California auto insurance rates are impacted by many things which can substantially decrease or increase your annual premium. Simply improving your credit, becoming a homeowner, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than competitors.
|Rank||Company||Cost Per Year|
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USAA may have some of the most affordable car insurance rates in California at around $1,143 annually. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the lowest-priced California insurance companies.
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In this example, if you are insured with Wawanesa and switched to USAA, you might realize a yearly price reduction of roughly $38. Policyholders with CSAA could save as much as $79 a year, and Nationwide insureds might lower prices by $107 a year.
To find cheap auto insurance quotes in California for your vehicle, click here to get quotes or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Remember that these premiums are averaged for all insureds and vehicles and and are not figured with a specific rate value for a Toyota Tacoma. So the car insurance company that fits you best may not even be shown in the chart above. That’s why you need to get car insurance quotes using your own personal information and vehicle type.
Careless California drivers pay higher rates
One of the best ways to obtain the cheapest auto insurance rates in California for a Tacoma is to be a safe driver and avoid accidents and traffic violations. The example below illustrates how traffic citations and at-fault collisions can impact auto insurance rates for different age groups of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy in California per year with no violations or accidents is $2,414. Add in two speeding tickets and the average cost increases to $3,191, an increase of $777 each year. Then include one accident along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tacoma increases to an average of $3,986. That’s an increase of $1,572, or $131 per month, just for not being attentive to the road!
Low rates can quickly become overpriced
California auto insurance rates are determined by lots of factors which can substantially change the policy price. Turning one year older, buying higher coverage limits, or getting a ticket for running a stop sign may generate price changes resulting in some rates now being cheaper than competitors.
In addition to those changes, insurance companies modify rates at least once a year to adjust for gains or losses. Significantly higher losses can cause higher priced premiums, while a lower level of claims may produce cheaper Tacoma insurance rates.
The bar chart below shows the cheapest car insurance in California for a 40-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we estimate rates based on her personal profile, USAA may offer the cheapest car insurance rates in California at $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the top five cheapest California auto insurance companies.
The chart below compares rates after we give the driver from above some claims, slightly worse credit, and a traffic citation. Because every insurance company has a unique approach for determining prices, comparing quotes may now present a different ranking of companies as shown below.
Grange now has the best auto insurance rate in California with Mercury, GEICO, Allstate, and Allied now rounding out the top five. This shows why consumers need to take the time to shop around when trying to get the cheapest insurance quotes for a Toyota Tacoma.
Rates consist of many different factors and change substantially, so the most economical company six months ago may now be priced much higher than other options.
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