Toyota Tacoma Insurance Rates
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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 $1,316 a year with full coverage. Comprehensive insurance costs around $282, collision insurance costs $478, and liability insurance is $398. Buying just liability costs around $460 a year, and insurance for high-risk drivers costs $2,836 or more. Teen drivers receive the highest rates at up to $4,924 a year.
Average premium for full coverage: $1,316
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Tacoma trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $460 for just liability coverage to a much higher rate of $2,836 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on price 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.
Detailed Rate Analysis
The chart below details average Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $765
- Raising to $1,000 deductibles will save about $174 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,316
- Choosing more expensive low deductibles will cost an extra $332 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,836
- The cost for full coverage for a teen driver with full coverage can be $4,924
Auto insurance rates for a Toyota Tacoma can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Where you live also has a big influence on Toyota Tacoma insurance rates. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,780 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$126 | -9.6% |
| Alaska | $1,010 | -$306 | -23.3% |
| Arizona | $1,092 | -$224 | -17.0% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,500 | $184 | 14.0% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,354 | $38 | 2.9% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,646 | $330 | 25.1% |
| Georgia | $1,214 | -$102 | -7.8% |
| Hawaii | $944 | -$372 | -28.3% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $982 | -$334 | -25.4% |
| Indiana | $990 | -$326 | -24.8% |
| Iowa | $888 | -$428 | -32.5% |
| Kansas | $1,252 | -$64 | -4.9% |
| Kentucky | $1,796 | $480 | 36.5% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $812 | -$504 | -38.3% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,054 | -$262 | -19.9% |
| Michigan | $2,286 | $970 | 73.7% |
| Minnesota | $1,102 | -$214 | -16.3% |
| Mississippi | $1,578 | $262 | 19.9% |
| Missouri | $1,168 | -$148 | -11.2% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,038 | -$278 | -21.1% |
| Nevada | $1,578 | $262 | 19.9% |
| New Hampshire | $948 | -$368 | -28.0% |
| New Jersey | $1,472 | $156 | 11.9% |
| New Mexico | $1,166 | -$150 | -11.4% |
| New York | $1,386 | $70 | 5.3% |
| North Carolina | $758 | -$558 | -42.4% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $910 | -$406 | -30.9% |
| Oklahoma | $1,352 | $36 | 2.7% |
| Oregon | $1,206 | -$110 | -8.4% |
| Pennsylvania | $1,256 | -$60 | -4.6% |
| Rhode Island | $1,756 | $440 | 33.4% |
| South Carolina | $1,194 | -$122 | -9.3% |
| South Dakota | $1,110 | -$206 | -15.7% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,586 | $270 | 20.5% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $900 | -$416 | -31.6% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,018 | -$298 | -22.6% |
| West Virginia | $1,206 | -$110 | -8.4% |
| Wisconsin | $910 | -$406 | -30.9% |
| Wyoming | $1,170 | -$146 | -11.1% |
Choosing high deductibles can reduce rates by up to $510 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,278 | $107 |
| Toyota Tacoma 4WD | $1,244 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,286 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,404 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,328 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,368 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,368 | $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 | $294 | $482 | $390 | $1,324 |
| 2023 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2022 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2021 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2020 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2019 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2018 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2017 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2016 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2015 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2014 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2013 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2012 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2010 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2009 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2008 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2007 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2006 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2005 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 Cheap Toyota Tacoma Insurance
Saving money on Toyota Tacoma insurance consists of being a good driver, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a brief summary of the material that was covered in the charts and tables above.
- Drivers who may need an increased level of liability coverage will pay about $440 every year to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $410 per month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,520 more every year than a safer driver
- Increasing deductibles can save around $500 each year
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 | $4,924 |
| 20 | $3,024 |
| 30 | $1,370 |
| 40 | $1,316 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,648 |
| $250 | $1,494 |
| $500 | $1,316 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,448 |
| 100/300 | $1,547 |
| 250/500 | $1,806 |
| 100 CSL | $1,487 |
| 300 CSL | $1,706 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,012 |
| 20 | $4,806 |
| 30 | $2,894 |
| 40 | $2,836 |
| 50 | $2,706 |
| 60 | $2,682 |
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 | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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