Toyota Tacoma Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Toyota Tacoma insurance
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.

The average insurance rates for a Toyota Tacoma are $1,296 a year with full coverage. Comprehensive costs around $262, collision costs $446, and liability insurance costs $430. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $2,802. Teenage drivers cost the most to insure at $4,922 a year or more.

Average premium for full coverage: $1,296

Policy rates for type of insurance:

Comprehensive $262
Collision $446
Liability $430

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Tacoma trim levels.

Price Range Variability

For a 40-year-old driver, Toyota Tacoma insurance rates go from the low end price of $486 for minimum levels of liability insurance to a much higher rate of $2,802 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,296
High Risk $2,802

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on 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 details estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $756
  • Drivers who choose higher $1,000 deductibles will pay about $160 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,296
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,608
  • High risk drivers who are prone to accidents and violations could pay at least $2,802 or more
  • Policy cost that insures a teen driver with full coverage can be $4,922 a year

View Chart as Image

Toyota Tacoma insurance cost comparison chart
Column chart showing full coverage Toyota Tacoma insurance rates range from $756 to $4,922

Auto insurance rates for a Toyota Tacoma also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Your home state makes a big difference in Toyota Tacoma insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

Toyota Tacoma Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$122 -9.4%
Alaska $996 -$300 -23.1%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,478 $182 14.0%
Colorado $1,238 -$58 -4.5%
Connecticut $1,334 $38 2.9%
Delaware $1,468 $172 13.3%
Florida $1,622 $326 25.2%
Georgia $1,196 -$100 -7.7%
Hawaii $930 -$366 -28.2%
Idaho $876 -$420 -32.4%
Illinois $966 -$330 -25.5%
Indiana $976 -$320 -24.7%
Iowa $876 -$420 -32.4%
Kansas $1,234 -$62 -4.8%
Kentucky $1,768 $472 36.4%
Louisiana $1,918 $622 48.0%
Maine $800 -$496 -38.3%
Maryland $1,068 -$228 -17.6%
Massachusetts $1,038 -$258 -19.9%
Michigan $2,252 $956 73.8%
Minnesota $1,086 -$210 -16.2%
Mississippi $1,552 $256 19.8%
Missouri $1,152 -$144 -11.1%
Montana $1,394 $98 7.6%
Nebraska $1,022 -$274 -21.1%
Nevada $1,554 $258 19.9%
New Hampshire $936 -$360 -27.8%
New Jersey $1,450 $154 11.9%
New Mexico $1,148 -$148 -11.4%
New York $1,366 $70 5.4%
North Carolina $748 -$548 -42.3%
North Dakota $1,062 -$234 -18.1%
Ohio $896 -$400 -30.9%
Oklahoma $1,332 $36 2.8%
Oregon $1,186 -$110 -8.5%
Pennsylvania $1,238 -$58 -4.5%
Rhode Island $1,730 $434 33.5%
South Carolina $1,174 -$122 -9.4%
South Dakota $1,094 -$202 -15.6%
Tennessee $1,136 -$160 -12.3%
Texas $1,564 $268 20.7%
Utah $960 -$336 -25.9%
Vermont $888 -$408 -31.5%
Virginia $778 -$518 -40.0%
Washington $1,002 -$294 -22.7%
West Virginia $1,188 -$108 -8.3%
Wisconsin $898 -$398 -30.7%
Wyoming $1,156 -$140 -10.8%

View Chart as Image

Toyota Tacoma insurance rates by U.S. city

Using high physical damage deductibles could save up to $480 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Toyota Tacoma Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Tacoma 2WD $1,262 $105
Toyota Tacoma 4WD $1,228 $102
Toyota Tacoma Double Cab 4WD $1,268 $106
Toyota Tacoma X-Runner 2WD $1,380 $115
Toyota Tacoma Double Cab 4WD $1,308 $109
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,348 $112
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,348 $112

Rates assume 2020 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.

Toyota Tacoma Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Tacoma $262 $446 $430 $1,296
2019 Toyota Tacoma $248 $430 $442 $1,278
2017 Toyota Tacoma $230 $376 $456 $1,220
2016 Toyota Tacoma $220 $338 $460 $1,176
2015 Toyota Tacoma $206 $310 $460 $1,134
2014 Toyota Tacoma $198 $292 $464 $1,112
2013 Toyota Tacoma $194 $272 $474 $1,098
2012 Toyota Tacoma $180 $252 $474 $1,064
2010 Toyota Tacoma $162 $210 $474 $1,004
2009 Toyota Tacoma $152 $190 $474 $974
2008 Toyota Tacoma $148 $170 $468 $944
2007 Toyota Tacoma $146 $166 $460 $930
2006 Toyota Tacoma $144 $160 $452 $914
2005 Toyota Tacoma $132 $152 $446 $888
2004 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 Find the Best Cheap Toyota Tacoma Insurance

Finding cheaper rates on Toyota Tacoma insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following is a quick review of the data that was illustrated above.

  • You may be able to save up to $150 per year simply by shopping early and online
  • Drivers who may need higher liability limits will pay an extra $470 every year to go from a 30/60 limit to the 250/500 level
  • Teens are expensive to insure, as much as $410 each month if the policy includes full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,510 more every year for Tacoma insurance

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.



Rates by Driver Age

Toyota Tacoma Insurance Rates by Driver Age
Driver Age Premium
16 $4,922
20 $2,984
30 $1,344
40 $1,296
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,464
$500 $1,296
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,434
100/300 $1,542
250/500 $1,821
100 CSL $1,477
300 CSL $1,714
500 CSL $1,886

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tacoma Insurance Rates for High Risk Drivers
Age Premium
16 $7,000
20 $4,750
30 $2,854
40 $2,802
50 $2,674
60 $2,650

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 $179

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $91
Total Discounts $540
Rate after discounts $756

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

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