Toyota Tacoma Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 28, 2024
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Are Tacomas expensive to insure compared to other vehicles? The average Toyota Tacoma insurance rates are $1,338 a year, or $111 a month. Read on to learn more about Toyota Tacoma car insurance rates and what you can do to save.
To start shopping for the cheapest Toyota Tacoma insurance rates in your area, enter your ZIP code in our free tool above.
Average insurance prices for a Toyota Tacoma are $1,316 every 12 months for full coverage. Comprehensive costs around $282, collision costs $478, and liability coverage is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing around $2,836. Teenage drivers receive the highest rates at $4,924 a year or more.
Average premium for full coverage: $1,316
Rate estimates for individual coverage type:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Tacoma trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $460 for minimum levels of liability insurance to a much higher rate of $2,836 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best discount rate is $765
- Raising to $1,000 deductibles will save about $174 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,316
- Using more expensive low deductibles increases the price to $1,648
- Unlucky drivers who are prone to accidents and violations could pay at least $2,836 or more
- The cost to insure a teenage driver with full coverage can be $4,924
Auto insurance rates for a Toyota Tacoma can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota Tacoma insurance rates. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$126 | -9.6% |
| Alaska | $1,010 | -$306 | -23.3% |
| Arizona | $1,092 | -$224 | -17.0% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,500 | $184 | 14.0% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,354 | $38 | 2.9% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,646 | $330 | 25.1% |
| Georgia | $1,214 | -$102 | -7.8% |
| Hawaii | $944 | -$372 | -28.3% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $982 | -$334 | -25.4% |
| Indiana | $990 | -$326 | -24.8% |
| Iowa | $888 | -$428 | -32.5% |
| Kansas | $1,252 | -$64 | -4.9% |
| Kentucky | $1,796 | $480 | 36.5% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $812 | -$504 | -38.3% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,054 | -$262 | -19.9% |
| Michigan | $2,286 | $970 | 73.7% |
| Minnesota | $1,102 | -$214 | -16.3% |
| Mississippi | $1,578 | $262 | 19.9% |
| Missouri | $1,168 | -$148 | -11.2% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,038 | -$278 | -21.1% |
| Nevada | $1,578 | $262 | 19.9% |
| New Hampshire | $948 | -$368 | -28.0% |
| New Jersey | $1,472 | $156 | 11.9% |
| New Mexico | $1,166 | -$150 | -11.4% |
| New York | $1,386 | $70 | 5.3% |
| North Carolina | $758 | -$558 | -42.4% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $910 | -$406 | -30.9% |
| Oklahoma | $1,352 | $36 | 2.7% |
| Oregon | $1,206 | -$110 | -8.4% |
| Pennsylvania | $1,256 | -$60 | -4.6% |
| Rhode Island | $1,756 | $440 | 33.4% |
| South Carolina | $1,194 | -$122 | -9.3% |
| South Dakota | $1,110 | -$206 | -15.7% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,586 | $270 | 20.5% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $900 | -$416 | -31.6% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,018 | -$298 | -22.6% |
| West Virginia | $1,206 | -$110 | -8.4% |
| Wisconsin | $910 | -$406 | -30.9% |
| Wyoming | $1,170 | -$146 | -11.1% |
With so much variability in rates, the only way to know your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,278 | $107 |
| Toyota Tacoma 4WD | $1,244 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,286 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,404 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,328 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,368 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,368 | $114 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| 2023 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2022 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2021 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2020 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2019 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2018 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2017 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2016 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2015 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2014 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2013 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2012 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2010 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2009 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2008 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2007 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2006 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2005 Toyota Tacoma | $126 | $144 | $442 | $870 |
Rates are averaged for all Toyota Tacoma models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Toyota Tacoma Insurance
Saving money on auto insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a quick rundown of the ideas that were raised in the charts and tables above.
- Teenagers are expensive to insure, costing as high as $410 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions may pay on average $1,520 more every year for car insurance
- Increasing deductibles could save as much as $500 each year
- Drivers can save up to $160 per year simply by shopping early and online
Whether you are buying 2020 Tacoma insurance or insurance for a used Toyota Tacoma, remember that shopping for insurance quotes will help you save. Use our free tool below to find the best Tacoma insurance costs in your area.
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What are the safety ratings of the Toyota Tacoma?
Not only do good safety features and ratings help keep you safe, but they will also help lower your car insurance rates. The Toyota Tacoma has some great safety features. In addition to a multiple airbag system, it has brake assist, traction control, lane departure warning, and more.
The 2020 Toyota Tacoma’s safety ratings from the Insurance Institute of Highway Safety (IIHS) are also good. Take a look at the ratings for various IIHS crash tests below.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the best rating from the IIHS, so most insurers should provide a small discount for the Toyota Tacoma’s safety features and ratings. If you would like to see how the IIHS tests vehicles, watch the video below to see what these ratings are based on.
Toyota Tacoma Compared Against Other Vehicles in the Same Class
The Toyota Tacoma is a small pickup. The IIHS has rated the Toyota Tacoma’s bodily injury and property damage liability losses as average, which means the Toyota Tacoma’s liability rates should be normal.
To see how the Toyota Tacoma’s insurance rates compare to other small pickups’ insurance rates, take a look at the list of vehicles below.
Are you ready to start shopping for Toyota Tacoma insurance rates? Enter your ZIP code in our free rate comparison tool.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,924 |
| 20 | $3,024 |
| 30 | $1,370 |
| 40 | $1,316 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,648 |
| $250 | $1,494 |
| $500 | $1,316 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,448 |
| 100/300 | $1,547 |
| 250/500 | $1,806 |
| 100 CSL | $1,487 |
| 300 CSL | $1,706 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,012 |
| 20 | $4,806 |
| 30 | $2,894 |
| 40 | $2,836 |
| 50 | $2,706 |
| 60 | $2,682 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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