Toyota Tacoma Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 3, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance prices for a Toyota Tacoma are $1,296 every 12 months for full coverage. Comprehensive costs an estimated $262, collision insurance costs $446, and liability costs around $430. A liability-only policy costs as low as $486 a year, and high-risk insurance costs around $2,802. Teens pay the most at up to $4,922 a year.
Average premium for full coverage: $1,296
Premium estimates broken down by type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Tacoma trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Tacoma range from the cheapest price of $486 for just liability insurance to a much higher rate of $2,802 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.
These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using averaged prices.
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 shows average Toyota Tacoma insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $756
- Using higher $1,000 deductibles will save approximately $160 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,296
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,608
- Drivers with serious driving violations could pay up to $2,802
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,922 or more
Auto insurance prices for a Toyota Tacoma also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, and Michigan.
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% |
Insurance Rates by Trim Level and Model Year
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.
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 Shop for Low Cost Toyota Tacoma Insurance
Finding better rates on car insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates once a year by requesting quotes from direct carriers, and also from several local insurance agents.
The list below is a review of the data that was covered in the charts and tables above.
- Drivers can save approximately $150 per year just by shopping early and online
- Policyholders who want higher liability limits will pay approximately $470 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Teenagers are the costliest to insure, as much as $410 per month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations pay on average $1,510 more annually for car 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,922 |
20 | $2,984 |
30 | $1,344 |
40 | $1,296 |
50 | $1,186 |
60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,608 |
$250 | $1,464 |
$500 | $1,296 |
$1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area