Toyota Tacoma Insurance Rates
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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 prices for a Toyota Tacoma are $1,312 every 12 months for full coverage. Comprehensive costs around $272, collision costs $466, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $2,832. Teen drivers pay the highest rates at $4,948 a year or more.
Average premium for full coverage: $1,312
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Tacoma models.
Price Range from Low to High
For the normal driver, Toyota Tacoma insurance prices go from the cheapest price of $474 for a discount liability-only rate to the much higher price of $2,832 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance rates.
The ranges above show why everyone should compare rates quotes for a specific zip code and their own driving history, 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.
Rates by State, City, and Model
The chart below shows estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $762
- Raising to $1,000 deductibles will save about $168 a year
- The average price for the average middle-age driver using $500 deductibles is $1,312
- Choosing pricier low deductibles increases the price to $1,636
- Drivers with multiple violations and an at-fault accident could pay at least $2,832 or more
- The price to insure a 16-year-old driver for full coverage can be $4,948
Insurance prices for a Toyota Tacoma are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $500 annually, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 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 every 12 months on average for full coverage. Prices are highest 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 could be paying at least $1,600 to $2,100 additional each year, depending on your age. Toyota Tacoma insurance for high-risk drivers is expensive and can cost from 42% to 136% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Tacoma insurance prices. A middle-age driver might find prices as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,276 | $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 Shop for Low Cost Toyota Tacoma Insurance
Getting lower rates on insurance for a Toyota Tacoma consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the coverage data presented in the illustrations above.
- Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $500 each year
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $412 a month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,520 more every year than a driver with a clean driving record
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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