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Toyota Tacoma Insurance Rates

Toyota Tacoma insurance

The average insurance rates for a Toyota Tacoma are $1,256 a year including full coverage. Comprehensive costs an estimated $278, collision costs $456, and liability insurance costs around $370. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $2,704. Teenage drivers cost the most to insure at $4,668 a year or more.

Average premium for full coverage: $1,256

Policy rates broken down by type of insurance:

Comprehensive $278
Collision $456
Liability $370

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 $430 for minimum levels of liability insurance to a much higher rate of $2,704 for a high risk driver.

Liability Only $430
Full Coverage $1,256
High Risk $2,704

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.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

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.

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Additional Rate Details

The chart below breaks down estimated Toyota Tacoma insurance rates for other coverage scenarios.

  • The best discount rate is $733
  • Using higher $1,000 deductibles will save approximately $166 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,256
  • Using more expensive low deductibles for physical damage coverage will increase the cost to $1,580
  • Drivers who are prone to accidents and violations could pay up to $2,704 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,668 or more

View Chart as Image

Toyota Tacoma insurance cost comparison chart
Column chart showing full coverage Toyota Tacoma insurance rates range from $733 to $4,668

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 $4,600 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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,000 on average in Louisiana, New York, and Michigan.

Toyota Tacoma Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
New Hampshire$1,026-$230-18.3%
New Jersey$1,252-$4-0.3%
New Mexico$1,166-$90-7.2%
New York$1,634$37830.1%
North Carolina$892-$364-29.0%
North Dakota$1,222-$34-2.7%
Rhode Island$1,524$26821.3%
South Carolina$1,172-$84-6.7%
South Dakota$984-$272-21.7%
West Virginia$1,280$241.9%

View Chart as Image

Toyota Tacoma insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $490 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 $333 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 $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 133% 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

Toyota Tacoma Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Toyota Tacoma 2WD$1,220$102
Toyota Tacoma 4WD$1,188$99
Toyota Tacoma Double Cab 4WD$1,228$102
Toyota Tacoma X-Runner 2WD$1,342$112
Toyota Tacoma Double Cab 4WD$1,270$106
Toyota Tacoma Double Cab TRD Off-Road Package 4WD$1,312$109
Toyota Tacoma Double Cab TRD Sport Package 4WD$1,312$109

Rates assume 2017 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 YearComprehensiveCollisionLiabilityTotal Premium
2017 Toyota Tacoma$278$456$370$1,256
2016 Toyota Tacoma$268$454$378$1,252
2015 Toyota Tacoma$258$442$396$1,248
2014 Toyota Tacoma$250$424$408$1,234
2013 Toyota Tacoma$236$408$420$1,216
2012 Toyota Tacoma$226$380$428$1,186
2011 Toyota Tacoma$218$358$432$1,160
2010 Toyota Tacoma$208$320$436$1,116
2009 Toyota Tacoma$194$294$436$1,076
2008 Toyota Tacoma$188$276$440$1,056
2007 Toyota Tacoma$184$258$450$1,044
2006 Toyota Tacoma$170$240$450$1,012
2005 Toyota Tacoma$166$218$454$990
2004 Toyota Tacoma$154$198$450$954
2003 Toyota Tacoma$146$180$450$928
2002 Toyota Tacoma$140$162$446$900
2001 Toyota Tacoma$138$158$436$884
2000 Toyota Tacoma$136$152$428$868
1999 Toyota Tacoma$124$144$424$844
1998 Toyota Tacoma$120$136$420$828

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 $500 each year
  • You may be able to save approximately $150 per year simply by shopping early and online
  • Drivers who want higher liability limits will pay an extra $410 per year to increase from a 30/60 limit to 250/500 limits
  • Teens are charged the highest rates, with premiums being up to $389 each month for full coverage
  • High-risk drivers that have multiple accidents or serious violations may pay on average $1,450 more annually for Tacoma insurance

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Rates by Driver Age

Toyota Tacoma Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

Toyota Tacoma Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,423
300 CSL$1,627
500 CSL$1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Tacoma Insurance Rates for High Risk Drivers

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 $171

Potential Rate Discounts

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

5-yr Accident Free$90
5-yr Claim Free$80
Paid in Full/EFT$56
Advance Quote$61
Online Quote$88
Total Discounts$523
Rate after discounts $733

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

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