Toyota Tacoma 4WD Insurance Rates

U.S. average insurance rates for a Toyota Tacoma 4WD are $1,266 a year with full coverage. Comprehensive costs on average $298, collision insurance costs $446, and liability coverage costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs around $2,702. Teenage drivers pay the highest rates at up to $4,658 a year.

Annual premium for full coverage: $1,266

Price estimates by type of insurance:

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

Price Range for Insurance for this Toyota Tacoma Trim Level

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

These price ranges demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Toyota Tacoma 4WD are also quite variable based on your driving record, the actual cash value of your Tacoma, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Tacoma 4WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $500 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates may be quite different from one company to the next.

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The chart above shows Toyota Tacoma 4WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $745. Drivers who use higher $1,000 deductibles will pay around $1,098. The average rate for a 40-year-old male driver using $500 deductibles is $1,266. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,590. Drivers with multiple violations and accidents could be charged at least $2,702. The price for full coverage insurance for a teen driver is $4,658.

View Chart as Image