Toyota Tacoma Insurance Rates
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UPDATED: Jun 6, 2023
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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.
U.S. average auto insurance rates for a Toyota Tacoma are $1,312 annually with full coverage. Comprehensive costs around $272, collision costs $466, and liability costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing around $2,832. Teen drivers pay the highest rates at $4,948 a year or more.
Average premium for full coverage: $1,312
Price estimates for individual coverage:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Tacoma trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Tacoma insurance prices go from as cheap as $474 for just liability insurance to a much higher rate of $2,832 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.
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.
More Rate Details
The chart below details estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $762
- Using higher $1,000 deductibles will save about $168 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,312
- Choosing more expensive low deductibles for physical damage coverage will cost $1,636
- Drivers with multiple violations and an at-fault accident could pay at least $2,832 or more
- The price with full coverage for a teen driver with full coverage can be $4,948 or more
Insurance prices for a Toyota Tacoma are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,100 additional each year, depending on your age. High-risk driver insurance can be as much as 42% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $500 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$126 | -9.6% |
| Alaska | $1,006 | -$306 | -23.3% |
| Arizona | $1,090 | -$222 | -16.9% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,484 | $172 | 13.1% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $942 | -$370 | -28.2% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $990 | -$322 | -24.5% |
| Iowa | $886 | -$426 | -32.5% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,942 | $630 | 48.0% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,082 | -$230 | -17.5% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,278 | $966 | 73.6% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,166 | -$146 | -11.1% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,034 | -$278 | -21.2% |
| Nevada | $1,572 | $260 | 19.8% |
| New Hampshire | $946 | -$366 | -27.9% |
| New Jersey | $1,466 | $154 | 11.7% |
| New Mexico | $1,160 | -$152 | -11.6% |
| New York | $1,382 | $70 | 5.3% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,748 | $436 | 33.2% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,108 | -$204 | -15.5% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,582 | $270 | 20.6% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $788 | -$524 | -39.9% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,168 | -$144 | -11.0% |
Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,276 | $106 |
| Toyota Tacoma 4WD | $1,242 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,282 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,398 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,324 | $110 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,364 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,364 | $114 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2019 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2017 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2016 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2015 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2014 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2013 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2012 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2010 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2009 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2008 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2007 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2006 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2005 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2004 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2003 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 Buy Cheaper Toyota Tacoma Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $160 per year simply by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,520 more every year for Tacoma insurance
- Increasing physical damage deductibles could save up to $500 each year
- Teens are charged the highest prices, costing up to $412 a month if they have full coverage
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 | $4,948 |
| 20 | $3,018 |
| 30 | $1,364 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,176 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,636 |
| $250 | $1,486 |
| $500 | $1,312 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,447 |
| 100/300 | $1,551 |
| 250/500 | $1,822 |
| 100 CSL | $1,489 |
| 300 CSL | $1,718 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,042 |
| 20 | $4,806 |
| 30 | $2,890 |
| 40 | $2,832 |
| 50 | $2,704 |
| 60 | $2,678 |
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 | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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