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 rates for a Toyota Tacoma are $1,296 a year for full coverage insurance. Comprehensive insurance costs around $262, collision insurance costs $446, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs $2,802 or more. 16-year-old drivers pay the highest rates at up to $4,922 a year.
Average premium for full coverage: $1,296
Price estimates for individual coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Tacoma models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Tacoma insurance prices range from the low end price of $486 for just the minimum liability insurance to the much higher price of $2,802 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why everyone should compare rates quotes for a specific zip code, rather than 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.
Additional Rate Analysis
The chart below illustrates average Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $756
- Raising to $1,000 deductibles will save about $160 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,296
- Buying pricier low deductibles will cost an additional $312 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,802
- The price that insures a teenage driver for full coverage can be $4,922
Insurance prices for a Toyota Tacoma are also quite variable based on the model of your Tacoma, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Toyota Tacoma insurance for high-risk drivers is expensive and can cost around 43% to 129% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age
The state you live in also has a big influence on Toyota Tacoma insurance rates. A middle-age driver might find prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Opting for high physical damage deductibles can reduce prices by up to $480 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
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 Find More Affordable Toyota Tacoma Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a summary of the concepts that were touched on in the above illustrations.
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more every year to insure their Tacoma
- Teen drivers pay higher prices, as much as $410 a month if full coverage is included
- It is possible to save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $475 each year
- It is possible to save up to $150 per year just by quoting online well ahead of the renewal date
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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