Toyota Tacoma Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 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.
U.S. average insurance rates for a Toyota Tacoma are $1,296 a year including full coverage. Comprehensive insurance costs approximately $262, collision costs $446, and liability is estimated at $430. Buying just liability costs approximately $486 a year, with insurance for high-risk drivers costing $2,802 or more. Teenage drivers pay the highest rates at $4,922 a year or more.
Average premium for full coverage: $1,296
Price estimates by individual coverage:
Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Tacoma models.
Price Range from Low to High
For the normal driver, Toyota Tacoma insurance prices go from as low as $486 for liability-only coverage to the much higher price of $2,802 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above highlight why everyone should get quotes using their specific location and risk profile, instead of making a decision based 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 Charts and Tables
The chart below breaks down estimated Toyota Tacoma insurance rates for additional coverage and risk scenarios.
- The best discount rate is $756
- Choosing higher $1,000 deductibles can save $160 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,296
- Using pricier low deductibles for comp and collision coverage will cost an extra $312 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $2,802 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost $4,922 each year
Insurance prices for a Toyota Tacoma are also quite variable based on your driving record, the model of your Tacoma, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Tacoma insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, 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% |
Using high physical damage deductibles can save as much as $480 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Toyota Tacoma insurance for high-risk drivers ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and prices may be quite different from one company to the next.
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 Find the Cheapest Toyota Tacoma Insurance
Getting lower rates on insurance for a Toyota Tacoma takes being a safe and courteous driver, having a good credit history, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a recap of the ideas that were presented in the illustrations above.
- Teenage drivers are the costliest to insure, possibly costing $410 a month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,510 more per year for auto insurance
- Increasing physical damage deductibles can save around $475 each year
- You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
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
