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Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates

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Average insurance rates for a Toyota Tacoma Double Cab TRD Off-Road Package 4WD are $1,402 a year for full coverage insurance. Comprehensive insurance costs approximately $340, collision insurance costs $540, and liability insurance costs around $364. Only liability insurance costs as low as $430 a year, and high-risk insurance costs $3,004 or more. Teen drivers receive the highest rates at up to $5,092 a year.

Annual premium for full coverage: $1,402

Rate estimates by type of insurance:

Comprehensive $340
Collision $540
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Tacoma Trim Level

For the normal driver, prices range from as low as $430 for a discount liability-only rate to a much higher rate of $3,004 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,402
High Risk $3,004

These differences illustrate why anyone shopping for car insurance should compare prices 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.

Cheapest Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates

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Insurance rates for a Toyota Tacoma Double Cab TRD Off-Road Package 4WD can also vary considerably based on your driver profile, the model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live has a huge impact on Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $590 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance cost comparison chart
Column chart showing Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance prices range from $814 to $5,092 for full coverage

The chart estimates Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $814. Drivers who choose higher $1,000 deductibles will pay around $1,202. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,402. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,788. High risk drivers could be charged as much as $3,004. The price for full coverage for a teenager can be as high as $5,092.

Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$134 -9.6%
Alaska $1,076 -$326 -23.3%
Arizona $1,164 -$238 -17.0%
Arkansas $1,402 -$0 0.0%
California $1,598 $196 14.0%
Colorado $1,342 -$60 -4.3%
Connecticut $1,442 $40 2.9%
Delaware $1,588 $186 13.3%
Florida $1,754 $352 25.1%
Georgia $1,294 -$108 -7.7%
Hawaii $1,008 -$394 -28.1%
Idaho $948 -$454 -32.4%
Illinois $1,044 -$358 -25.5%
Indiana $1,056 -$346 -24.7%
Iowa $946 -$456 -32.5%
Kansas $1,334 -$68 -4.9%
Kentucky $1,912 $510 36.4%
Louisiana $2,076 $674 48.1%
Maine $866 -$536 -38.2%
Maryland $1,156 -$246 -17.5%
Massachusetts $1,122 -$280 -20.0%
Michigan $2,438 $1,036 73.9%
Minnesota $1,174 -$228 -16.3%
Mississippi $1,680 $278 19.8%
Missouri $1,244 -$158 -11.3%
Montana $1,506 $104 7.4%
Nebraska $1,106 -$296 -21.1%
Nevada $1,682 $280 20.0%
New Hampshire $1,012 -$390 -27.8%
New Jersey $1,568 $166 11.8%
New Mexico $1,242 -$160 -11.4%
New York $1,476 $74 5.3%
North Carolina $808 -$594 -42.4%
North Dakota $1,148 -$254 -18.1%
Ohio $966 -$436 -31.1%
Oklahoma $1,442 $40 2.9%
Oregon $1,284 -$118 -8.4%
Pennsylvania $1,336 -$66 -4.7%
Rhode Island $1,870 $468 33.4%
South Carolina $1,270 -$132 -9.4%
South Dakota $1,184 -$218 -15.5%
Tennessee $1,228 -$174 -12.4%
Texas $1,690 $288 20.5%
Utah $1,040 -$362 -25.8%
Vermont $958 -$444 -31.7%
Virginia $840 -$562 -40.1%
Washington $1,082 -$320 -22.8%
West Virginia $1,286 -$116 -8.3%
Wisconsin $972 -$430 -30.7%
Wyoming $1,250 -$152 -10.8%

View Chart as Image

Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,092
20 $3,196
30 $1,466
40 $1,402
50 $1,276
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,788
$250 $1,610
$500 $1,402
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,475
100/300 $1,566
250/500 $1,802
100 CSL $1,511
300 CSL $1,711
500 CSL $1,857

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,268
20 $5,070
30 $3,078
40 $3,004
50 $2,864
60 $2,834

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $68
Online Quote $100
Total Discounts $588
Rate after discounts $814

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

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