Toyota Tacoma Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 28, 2024
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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.
Average insurance rates for a Toyota Tacoma are $1,312 a year for full coverage. Comprehensive costs on average $272, collision insurance costs $466, and liability coverage costs around $416. A policy with just liability insurance costs as low as $474 a year, and coverage for high-risk drivers costs around $2,832. 16-year-old drivers receive the highest rates at up to $4,948 a year.
Average premium for full coverage: $1,312
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Tacoma trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $474 for just liability insurance to a much higher rate of $2,832 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.
These examples show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using rate averages.
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 different risk profiles and scenarios.
- The best full coverage rate is $762
- Using higher $1,000 deductibles will save around $168 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,312
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,636
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,832
- The cost for full coverage for a teenage driver with full coverage may cost $4,948 or more
Insurance rates for a Toyota Tacoma can also vary considerably based on your driver profile, the trim level of your Tacoma, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age
Where you live has a huge impact on Toyota Tacoma insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or at least $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$126 | -9.6% |
| Alaska | $1,006 | -$306 | -23.3% |
| Arizona | $1,090 | -$222 | -16.9% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,484 | $172 | 13.1% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $942 | -$370 | -28.2% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $990 | -$322 | -24.5% |
| Iowa | $886 | -$426 | -32.5% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,942 | $630 | 48.0% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,082 | -$230 | -17.5% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,278 | $966 | 73.6% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,166 | -$146 | -11.1% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,034 | -$278 | -21.2% |
| Nevada | $1,572 | $260 | 19.8% |
| New Hampshire | $946 | -$366 | -27.9% |
| New Jersey | $1,466 | $154 | 11.7% |
| New Mexico | $1,160 | -$152 | -11.6% |
| New York | $1,382 | $70 | 5.3% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,748 | $436 | 33.2% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,108 | -$204 | -15.5% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,582 | $270 | 20.6% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $788 | -$524 | -39.9% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,168 | -$144 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $500 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,100 additional per year, depending on your age. High-risk driver insurance can be around 42% to 136% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,276 | $106 |
| Toyota Tacoma 4WD | $1,242 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,282 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,398 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,324 | $110 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,364 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,364 | $114 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2023 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2022 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2021 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2020 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2019 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2018 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2017 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2016 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2015 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2014 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2013 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2012 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2010 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2009 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2008 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2007 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2006 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
Saving money on auto insurance requires being safe and accident-free, having a good credit history, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Below you'll find a condensed summary of the car insurance concepts illustrated above.
- Drivers with multiple at-fault accidents will pay on average $1,520 more each year than a low-risk driver
- Drivers can save as much as $160 per year just by shopping early and online
- Increasing deductibles can save around $500 each year
- Consumers who require more liability protection will pay around $460 each year to increase from a minimum limit to 250/500 limits
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 | $4,948 |
| 20 | $3,018 |
| 30 | $1,364 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,176 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,636 |
| $250 | $1,486 |
| $500 | $1,312 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,447 |
| 100/300 | $1,551 |
| 250/500 | $1,822 |
| 100 CSL | $1,489 |
| 300 CSL | $1,718 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,042 |
| 20 | $4,806 |
| 30 | $2,890 |
| 40 | $2,832 |
| 50 | $2,704 |
| 60 | $2,678 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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