Toyota Tacoma Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
U.S. average insurance rates for a Toyota Tacoma are $1,312 a year for full coverage insurance. Comprehensive costs on average $272 a year, collision insurance costs $466, and liability is estimated at $416. Liability-only coverage costs approximately $474 a year, and high-risk coverage costs around $2,832. Teen drivers pay the highest rates at up to $4,948 a year.
Average premium for full coverage: $1,312
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Tacoma trim levels.
Price Range from Low to High
For the normal driver, Toyota Tacoma insurance prices range from as low as $474 for basic liability insurance to a high of $2,832 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on 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 illustrates average Toyota Tacoma insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $762
- Choosing higher $1,000 deductibles can save around $1,144 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,312
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,636
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,832
- The price for full coverage for a 16-year-old driver may cost $4,948 each year
Auto insurance prices for a Toyota Tacoma are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Tacoma insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$126 | -9.6% |
| Alaska | $1,006 | -$306 | -23.3% |
| Arizona | $1,090 | -$222 | -16.9% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,484 | $172 | 13.1% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $942 | -$370 | -28.2% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $990 | -$322 | -24.5% |
| Iowa | $886 | -$426 | -32.5% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,942 | $630 | 48.0% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,082 | -$230 | -17.5% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,278 | $966 | 73.6% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,166 | -$146 | -11.1% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,034 | -$278 | -21.2% |
| Nevada | $1,572 | $260 | 19.8% |
| New Hampshire | $946 | -$366 | -27.9% |
| New Jersey | $1,466 | $154 | 11.7% |
| New Mexico | $1,160 | -$152 | -11.6% |
| New York | $1,382 | $70 | 5.3% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,748 | $436 | 33.2% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,108 | -$204 | -15.5% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,582 | $270 | 20.6% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $788 | -$524 | -39.9% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,168 | -$144 | -11.0% |
Choosing high deductibles can save as much as $500 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,276 | $106 |
| Toyota Tacoma 4WD | $1,242 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,282 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,398 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,324 | $110 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,364 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,364 | $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 | $282 | $478 | $398 | $1,316 |
| 2023 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2022 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2021 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2020 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2019 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2018 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2017 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2016 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2015 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2014 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2013 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2012 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2010 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2009 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2008 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2007 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2006 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 Affordable Toyota Tacoma Insurance
Getting lower rates on insurance for a Toyota Tacoma takes avoiding accidents and claims, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The points below are a brief review of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 are charged the highest prices, as much as $412 a month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,520 more each year to insure a Toyota Tacoma
- Increasing physical damage deductibles can save around $500 each year
- It is possible to save as much as $160 per year just by quoting early and online
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 | $4,948 |
| 20 | $3,018 |
| 30 | $1,364 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,176 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,636 |
| $250 | $1,486 |
| $500 | $1,312 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,447 |
| 100/300 | $1,551 |
| 250/500 | $1,822 |
| 100 CSL | $1,489 |
| 300 CSL | $1,718 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,042 |
| 20 | $4,806 |
| 30 | $2,890 |
| 40 | $2,832 |
| 50 | $2,704 |
| 60 | $2,678 |
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 | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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