Toyota Tacoma Insurance Rates
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Michelle Robbins
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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.
The average insurance prices for a Toyota Tacoma are $1,316 every 12 months for full coverage. Comprehensive insurance costs an estimated $282 each year, collision insurance costs $478, and liability coverage costs $398. Liability-only insurance costs as little as $460 a year, and high-risk driver insurance costs $2,836 or more. Teen drivers cost the most to insure at up to $4,924 a year.
Average premium for full coverage: $1,316
Policy rates broken down by type of insurance:
Price estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Tacoma models.
Price Range Variability
For an average driver, Toyota Tacoma insurance rates range from the cheapest price of $460 for basic liability insurance to a high rate of $2,836 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.
The examples above show why all drivers should compare rates for a targeted area and their own driving history, rather than using 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.
Rate Comparisons
The chart below shows average Toyota Tacoma insurance rates for other coverage scenarios.
- The lowest rate with discounts is $765
- Drivers who choose higher $1,000 deductibles will pay approximately $174 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,316
- Choosing low deductibles for comprehensive and collision insurance costs an extra $332 each year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,836
- Policy cost to insure a teenage driver can cost as much as $4,924 a year
Auto insurance rates for a Toyota Tacoma also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $510 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 136% more than average. View High Risk Driver Rates
Your home state makes a big difference in Toyota Tacoma insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.
| 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% |
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 Shop for Cheaper Toyota Tacoma Insurance
Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
The next list is a condensed summary of the data covered in the above illustrations.
- Consumers who want increased levels of liability coverage will pay about $440 each year to go from a 30/60 limit to a 250/500 level
- Drivers can save approximately $160 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $500 each year
- Drivers age 20 and younger are the costliest to insure, costing up to $410 each month if comprehensive and collision insurance is included
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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