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Toyota Tacoma Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Toyota Tacoma insurance
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:

Comprehensive $294
Collision $482
Liability $390

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.

Liability Only $452
Full Coverage $1,324
High Risk $2,844

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 $993
Small Cities $1,390
Large Cities $1,787

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

View Chart as Image

Toyota Tacoma insurance cost comparison chart
Column chart showing full coverage Toyota Tacoma insurance rates range from $772 to $4,916

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.

Toyota Tacoma Insurance Rates by State
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%

View Chart as Image

Toyota Tacoma insurance rates by U.S. city

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

Toyota Tacoma Insurance Rates by Model and Trim Level
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.

Toyota Tacoma Insurance Rates by Model Year
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:

  1. https://www.iihs.org/ratings/vehicle/Toyota/tacoma-extended-cab-pickup/2020

Rates by Driver Age

Toyota Tacoma Insurance 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

Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,506
$500 $1,324
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
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

Toyota Tacoma Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $772

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

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