Toyota Tacoma Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 9, 2020
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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.
The average insurance rates for a Toyota Tacoma are $1,324 a year including full coverage. Comprehensive costs an estimated $294, collision costs $482, and liability insurance costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing around $2,844. Teenage drivers cost the most to insure at $4,916 a year or more.
Average premium for full coverage: $1,324
Policy rates broken down by type of insurance:
Rates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Tacoma trim levels.
Price Range Variability
For a middle-aged driver, Toyota Tacoma insurance rates go from as low as $452 for minimum levels of liability insurance to a much higher rate of $2,844 for a high risk driver.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates the effect of location on insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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 breaks down estimated Toyota Tacoma insurance rates for other coverage scenarios.
- The best discount rate is $772
- Using higher $1,000 deductibles will save approximately $176 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,324
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,662
- Drivers who are prone to accidents and violations could pay up to $2,844 or more
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,916 or more
Insurance rates for a Toyota Tacoma also range considerably based on your risk profile, the model of your Tacoma, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age
Your home state has a huge impact on Toyota Tacoma insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,014 | -$310 | -23.4% |
| Arizona | $1,100 | -$224 | -16.9% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,506 | $182 | 13.7% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,656 | $332 | 25.1% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $950 | -$374 | -28.2% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $984 | -$340 | -25.7% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $892 | -$432 | -32.6% |
| Kansas | $1,256 | -$68 | -5.1% |
| Kentucky | $1,804 | $480 | 36.3% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $816 | -$508 | -38.4% |
| Maryland | $1,090 | -$234 | -17.7% |
| Massachusetts | $1,058 | -$266 | -20.1% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,106 | -$218 | -16.5% |
| Mississippi | $1,584 | $260 | 19.6% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,422 | $98 | 7.4% |
| Nebraska | $1,046 | -$278 | -21.0% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $760 | -$564 | -42.6% |
| North Dakota | $1,084 | -$240 | -18.1% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,200 | -$124 | -9.4% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,596 | $272 | 20.5% |
| Utah | $980 | -$344 | -26.0% |
| Vermont | $904 | -$420 | -31.7% |
| Virginia | $792 | -$532 | -40.2% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $916 | -$408 | -30.8% |
| Wyoming | $1,180 | -$144 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $520 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,284 | $107 |
| Toyota Tacoma 4WD | $1,250 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,294 | $108 |
| Toyota Tacoma X-Runner 2WD | $1,412 | $118 |
| Toyota Tacoma Double Cab 4WD | $1,336 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,380 | $115 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,380 | $115 |
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 | $294 | $482 | $390 | $1,324 |
| 2019 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2018 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2017 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2016 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2015 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2014 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2013 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2012 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2011 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2010 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2009 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2008 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2007 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2006 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2005 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2004 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2003 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2002 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2001 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 Cheaper Toyota Tacoma Insurance
Finding cheaper rates on Toyota Tacoma insurance requires not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to shop around at least every two years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a summary of the information that was covered in this article.
- Increasing comprehensive and collision deductibles can save around $525 each year
- You may be able to save approximately $160 per year simply by shopping early and online
- Drivers who want higher liability limits will pay an extra $430 per year to increase from a 30/60 limit to 250/500 limits
- Teens are charged the highest rates, with premiums being up to $410 each month for full coverage
- High-risk drivers that have multiple accidents or serious violations may pay on average $1,520 more annually 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.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,916 |
| 20 | $3,030 |
| 30 | $1,376 |
| 40 | $1,324 |
| 50 | $1,208 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,662 |
| $250 | $1,506 |
| $500 | $1,324 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,458 |
| 100/300 | $1,556 |
| 250/500 | $1,809 |
| 100 CSL | $1,497 |
| 300 CSL | $1,712 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,002 |
| 20 | $4,816 |
| 30 | $2,904 |
| 40 | $2,844 |
| 50 | $2,712 |
| 60 | $2,688 |
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 | $70 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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