Toyota Tacoma Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 auto insurance rates for a Toyota Tacoma are $1,316 annually for full coverage. Comprehensive insurance costs approximately $282, collision insurance costs $478, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs $2,836 or more. Teenage drivers receive the highest rates at up to $4,924 a year.
Average premium for full coverage: $1,316
Rate estimates by individual coverage type:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Tacoma trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $460 for just liability insurance to a much higher rate of $2,836 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.
These examples show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, 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 shows average Toyota Tacoma insurance rates for additional coverage and risk scenarios.
- The best discount rate is $765
- Using higher $1,000 deductibles will save $174 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,316
- Using more expensive low deductibles for physical damage coverage costs an additional $332 annually
- High-risk insureds who are prone to accidents and violations could pay around $2,836
- The cost with full coverage for a 16-year-old driver with full coverage can cost $4,924 or more
Insurance rates for a Toyota Tacoma can also vary considerably based on the trim level of your Tacoma, your driver profile, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 additional per year, depending on your age. High-risk driver insurance can be from 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $510 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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 Buy More Affordable Toyota Tacoma Insurance
Saving money on insurance for a Toyota Tacoma requires having a good driving record, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the material that was covered in the above illustrations.
- Insureds who purchase increased levels of liability coverage will pay an extra $440 each year to increase from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are the costliest to insure, costing as high as $410 per month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,520 more per year to buy Toyota Tacoma insurance
- Increasing deductibles could save up to $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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