Toyota Tacoma Double Cab 4WD Insurance Rates

Average insurance rates for a Toyota Tacoma Double Cab 4WD are $1,310 a year including full coverage. Comprehensive costs approximately $312, collision costs $476, and liability coverage costs around $364. Just liability insurance costs as low as $430 a year, with coverage for high-risk drivers costing around $2,802. Teenage drivers receive the highest rates at $4,804 a year or more.

Annual premium for full coverage: $1,310

Rate estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Tacoma Trim Level

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

These differences highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Insurance prices for a Toyota Tacoma Double Cab 4WD can also vary considerably based on your driver profile, the replacement cost of your Tacoma, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live has a huge impact on Toyota Tacoma Double Cab 4WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $530 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be around 44% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows average Toyota Tacoma Double Cab 4WD insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $767. Drivers who use higher $1,000 deductibles will pay around $1,132. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,310. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,656. Drivers with multiple violations and accidents could be charged as much as $2,802. The price for full coverage insurance for a teenager can be as high as $4,804.

View Chart as Image