Toyota Tacoma Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,296 a year with full coverage. Comprehensive costs around $262, collision costs $446, and liability insurance costs $430. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $2,802. Teenage drivers cost the most to insure at $4,922 a year or more.
Average premium for full coverage: $1,296
Policy rates for type of insurance:
Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Tacoma trim levels.
Price Range Variability
For a 40-year-old driver, Toyota Tacoma insurance rates go from the low end price of $486 for minimum levels of liability insurance to a much higher rate of $2,802 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, 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 details estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best discount rate is $756
- Drivers who choose higher $1,000 deductibles will pay about $160 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,296
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,608
- High risk drivers who are prone to accidents and violations could pay at least $2,802 or more
- Policy cost that insures a teen driver with full coverage can be $4,922 a year
Auto insurance rates for a Toyota Tacoma also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age
Your home state makes a big difference in Toyota Tacoma insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$122 | -9.4% |
| Alaska | $996 | -$300 | -23.1% |
| Arizona | $1,076 | -$220 | -17.0% |
| Arkansas | $1,296 | -$0 | 0.0% |
| California | $1,478 | $182 | 14.0% |
| Colorado | $1,238 | -$58 | -4.5% |
| Connecticut | $1,334 | $38 | 2.9% |
| Delaware | $1,468 | $172 | 13.3% |
| Florida | $1,622 | $326 | 25.2% |
| Georgia | $1,196 | -$100 | -7.7% |
| Hawaii | $930 | -$366 | -28.2% |
| Idaho | $876 | -$420 | -32.4% |
| Illinois | $966 | -$330 | -25.5% |
| Indiana | $976 | -$320 | -24.7% |
| Iowa | $876 | -$420 | -32.4% |
| Kansas | $1,234 | -$62 | -4.8% |
| Kentucky | $1,768 | $472 | 36.4% |
| Louisiana | $1,918 | $622 | 48.0% |
| Maine | $800 | -$496 | -38.3% |
| Maryland | $1,068 | -$228 | -17.6% |
| Massachusetts | $1,038 | -$258 | -19.9% |
| Michigan | $2,252 | $956 | 73.8% |
| Minnesota | $1,086 | -$210 | -16.2% |
| Mississippi | $1,552 | $256 | 19.8% |
| Missouri | $1,152 | -$144 | -11.1% |
| Montana | $1,394 | $98 | 7.6% |
| Nebraska | $1,022 | -$274 | -21.1% |
| Nevada | $1,554 | $258 | 19.9% |
| New Hampshire | $936 | -$360 | -27.8% |
| New Jersey | $1,450 | $154 | 11.9% |
| New Mexico | $1,148 | -$148 | -11.4% |
| New York | $1,366 | $70 | 5.4% |
| North Carolina | $748 | -$548 | -42.3% |
| North Dakota | $1,062 | -$234 | -18.1% |
| Ohio | $896 | -$400 | -30.9% |
| Oklahoma | $1,332 | $36 | 2.8% |
| Oregon | $1,186 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$58 | -4.5% |
| Rhode Island | $1,730 | $434 | 33.5% |
| South Carolina | $1,174 | -$122 | -9.4% |
| South Dakota | $1,094 | -$202 | -15.6% |
| Tennessee | $1,136 | -$160 | -12.3% |
| Texas | $1,564 | $268 | 20.7% |
| Utah | $960 | -$336 | -25.9% |
| Vermont | $888 | -$408 | -31.5% |
| Virginia | $778 | -$518 | -40.0% |
| Washington | $1,002 | -$294 | -22.7% |
| West Virginia | $1,188 | -$108 | -8.3% |
| Wisconsin | $898 | -$398 | -30.7% |
| Wyoming | $1,156 | -$140 | -10.8% |
Using high physical damage deductibles could save up to $480 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,262 | $105 |
| Toyota Tacoma 4WD | $1,228 | $102 |
| Toyota Tacoma Double Cab 4WD | $1,268 | $106 |
| Toyota Tacoma X-Runner 2WD | $1,380 | $115 |
| Toyota Tacoma Double Cab 4WD | $1,308 | $109 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,348 | $112 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,348 | $112 |
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 | $262 | $446 | $430 | $1,296 |
| 2019 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2017 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2016 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2015 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2014 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2013 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2012 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2010 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2009 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2008 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2007 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2006 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2005 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2004 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 the Best Cheap Toyota Tacoma Insurance
Finding cheaper rates on Toyota Tacoma insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following is a quick review of the data that was illustrated above.
- You may be able to save up to $150 per year simply by shopping early and online
- Drivers who may need higher liability limits will pay an extra $470 every year to go from a 30/60 limit to the 250/500 level
- Teens are expensive to insure, as much as $410 each month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,510 more every year 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 | $4,922 |
| 20 | $2,984 |
| 30 | $1,344 |
| 40 | $1,296 |
| 50 | $1,186 |
| 60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,464 |
| $500 | $1,296 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,296 |
| 50/100 | $1,434 |
| 100/300 | $1,542 |
| 250/500 | $1,821 |
| 100 CSL | $1,477 |
| 300 CSL | $1,714 |
| 500 CSL | $1,886 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,000 |
| 20 | $4,750 |
| 30 | $2,854 |
| 40 | $2,802 |
| 50 | $2,674 |
| 60 | $2,650 |
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 | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $91 |
| Total Discounts | $540 |
Discounts are estimated and may not be available from every company or in every state.
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