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.
Estimated insurance rates for a Toyota Tacoma are $1,324 a year for full coverage insurance. Comprehensive insurance costs on average $294, collision costs $482, and liability is estimated at $390. A policy with only liability insurance costs approximately $452 a year, with a high-risk policy costing $2,844 or more. Teenage drivers pay the most at $4,916 a year or more.
Average premium for full coverage: $1,324
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Tacoma trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Tacoma go from the low end price of $452 for your basic liability-only policy to a much higher rate of $2,844 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The price range example below illustrates how location impacts car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location, 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 Information
The chart below illustrates estimated Toyota Tacoma insurance rates for different risk profiles and scenarios.
- The best discount rate is $772
- Choosing higher $1,000 deductibles can save around $176 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,324
- Using more expensive low deductibles for comp and collision coverage will cost an additional $338 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,844 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,916 each year
Car insurance prices for a Toyota Tacoma also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 135% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age
Where you choose to live 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 be forced to pay as much as $1,790 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,014 | -$310 | -23.4% |
| Arizona | $1,100 | -$224 | -16.9% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,506 | $182 | 13.7% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,656 | $332 | 25.1% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $950 | -$374 | -28.2% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $984 | -$340 | -25.7% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $892 | -$432 | -32.6% |
| Kansas | $1,256 | -$68 | -5.1% |
| Kentucky | $1,804 | $480 | 36.3% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $816 | -$508 | -38.4% |
| Maryland | $1,090 | -$234 | -17.7% |
| Massachusetts | $1,058 | -$266 | -20.1% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,106 | -$218 | -16.5% |
| Mississippi | $1,584 | $260 | 19.6% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,422 | $98 | 7.4% |
| Nebraska | $1,046 | -$278 | -21.0% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $760 | -$564 | -42.6% |
| North Dakota | $1,084 | -$240 | -18.1% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,200 | -$124 | -9.4% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,596 | $272 | 20.5% |
| Utah | $980 | -$344 | -26.0% |
| Vermont | $904 | -$420 | -31.7% |
| Virginia | $792 | -$532 | -40.2% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $916 | -$408 | -30.8% |
| Wyoming | $1,180 | -$144 | -10.9% |
Using high physical damage deductibles can save as much as $520 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,284 | $107 |
| Toyota Tacoma 4WD | $1,250 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,294 | $108 |
| Toyota Tacoma X-Runner 2WD | $1,412 | $118 |
| Toyota Tacoma Double Cab 4WD | $1,336 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,380 | $115 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,380 | $115 |
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 | $308 | $500 | $372 | $1,338 |
| 2023 Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| 2022 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2021 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2020 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2019 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2018 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 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 the Cheapest Toyota Tacoma Insurance
Finding better rates on insurance for a Toyota Tacoma takes avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The list below is a recap of the information touched on above.
- It is possible to save as much as $160 per year simply by shopping early and online
- Teenagers are expensive to insure, with premiums being up to $410 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $525 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,520 more each year for car insurance
- Insureds who require higher liability limits will pay an extra $430 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
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 | $4,916 |
| 20 | $3,030 |
| 30 | $1,376 |
| 40 | $1,324 |
| 50 | $1,208 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,662 |
| $250 | $1,506 |
| $500 | $1,324 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,458 |
| 100/300 | $1,556 |
| 250/500 | $1,809 |
| 100 CSL | $1,497 |
| 300 CSL | $1,712 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,002 |
| 20 | $4,816 |
| 30 | $2,904 |
| 40 | $2,844 |
| 50 | $2,712 |
| 60 | $2,688 |
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 | $70 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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