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 auto insurance rates for a Toyota Tacoma are $1,296 annually including full coverage. Comprehensive costs around $262 each year, collision insurance costs $446, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $2,802. 16-year-old drivers cost the most to insure at up to $4,922 a year.
Average premium for full coverage: $1,296
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Tacoma models.
Price Range Variability
For a driver around age 40, Toyota Tacoma insurance rates range from as cheap as $486 for your basic liability-only policy to a high rate of $2,802 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of 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 Information
The chart below breaks down average Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $756
- Using higher $1,000 deductibles will save about $160 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,296
- Buying low deductibles for physical damage coverage will cost $1,608
- Drivers with multiple tickets or accidents could pay at least $2,802
- Policy cost with full coverage for a teen driver can be $4,922 or more
Insurance rates for a Toyota Tacoma also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $480 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.
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% |
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 Buy the Cheapest Toyota Tacoma Insurance
Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a recap of the ideas that were covered above.
- Teenagers are charged the highest rates, with premiums being up to $410 each month if they have full coverage
- Higher risk drivers that have major violations or accidents may pay on average $1,510 more every year for car insurance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- You may be able to save up to $150 per year just by quoting online in advance
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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