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.
U.S. average insurance prices for a Toyota Tacoma are $1,296 every 12 months for full coverage insurance. Comprehensive insurance costs around $262, collision costs $446, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing $2,802 or more. Teenage drivers pay the highest rates at $4,922 a year or more.
Average premium for full coverage: $1,296
Price estimates for individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Tacoma models.
Price Range from Low to High
For a driver in their 40's, Toyota Tacoma insurance prices go from the cheapest price of $486 for just liability insurance to the much higher price of $2,802 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities.
The example below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based 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.
More Rate Details
The chart below illustrates estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best discount rate is $756
- Using higher $1,000 deductibles will save about $160 each year
- The average price for the average middle-age driver using $500 deductibles is $1,296
- Using pricier low deductibles for physical damage coverage costs an extra $312 annually
- High-risk insureds who are prone to accidents and violations could pay at least $2,802 or more
- The price to insure a 16-year-old driver for full coverage can be $4,922 or more
Insurance prices for a Toyota Tacoma are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $480 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. Toyota Tacoma insurance for high-risk drivers can be from 43% to 129% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.
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% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.
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 Shop for the Right Toyota Tacoma Insurance
Getting lower rates on insurance for a Toyota Tacoma requires avoiding accidents and violations, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a quick rundown of the data covered in the charts and tables above.
- Insureds who may need higher liability limits will pay an extra $470 annually to increase from a low limit to a 250/500 level
- It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $475 each year
- Teenagers are charged the highest prices, as much as $410 a month if full coverage 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 | $4,922 |
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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